US · BSBR
Banco Santander (Brasil) S.A.
- Sector
- Financial Services · Banks - Regional
- Headquarters
- São Paulo, SP 04543-011
- Website
- santander.com.br
Price · as of 2024-12-31
$5.80
Market cap 49.54B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $0.90 | -84.48% |
| Intrinsic Value(DCF) | $34.00 | +486.21% |
| Graham-Dodd Method(GD) | $1.90 | -67.24% |
| Graham Formula(GF) | $4.80 | -17.24% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2010 | $4.57 | $6.43 | $19.11 | $1.10 | $3.30 |
| 2011 | $4.31 | $6.22 | $15.76 | $0.80 | $5.50 |
| 2012 | $3.50 | $6.16 | $1.63 | $1.10 | $0.00 |
| 2013 | $2.53 | $6.12 | $1.61 | $1.30 | $1.50 |
| 2014 | $2.21 | $5.34 | $1.49 | $1.10 | $4.40 |
| 2015 | $2.57 | $5.25 | $1.24 | $1.00 | $2.20 |
| 2016 | $5.97 | $6.98 | $77.37 | $1.10 | $9.80 |
| 2017 | $6.94 | $7.57 | $7.43 | $0.50 | $0.00 |
| 2018 | $7.40 | $6.23 | $1.72 | $0.90 | $0.00 |
| 2019 | $5.38 | $6.44 | $1.91 | $1.20 | $8.40 |
| 2020 | $5.01 | $6.89 | $1.94 | $0.00 | $0.00 |
| 2021 | $5.14 | $8.74 | $6.41 | $0.20 | $21.00 |
| 2022 | $4.40 | $8.96 | $83.11 | $1.10 | $19.10 |
| 2023 | $5.20 | $7.51 | $94.29 | $1.30 | $4.10 |
| 2024 | $4.37 | $4.64 | $16.70 | $1.90 | $4.80 |
AI valuation
Our deep-learning model estimates Banco Santander (Brasil) S.A.'s (BSBR) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $0.90
- Current price
- $5.80
- AI upside
- -84.48%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$34.00
+486.21% upside
Graham-Dodd
$1.90
-67.24% upside
Graham Formula
$4.80
-17.24% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| BSBR | Banco Santander (Brasil) … | $5.80 | 49.54B | -20% | +486% | -67% | -17% | 13.00 | 1.46 | 1.35 | 0.58 | 32.23 | 2.01 | 34.04% | 14.87% | 10.36% | 11.47% | -73.17% | 1.14% | 1.13 | 0.24 | 0.39 | 0.39 | -3.17 | 4032.00% | 631.00% | -17138.00% | -13.62% | -0.03 | 129.50% | 3.22% | 41.90% | 14.44% | 0.66 | -0.54 | 0.10 | -0.16 |
| AIG | American International Gr… | $80.49 | 43.43B | -24% | -14% | -15% | -56% | 14.80 | 1.11 | 1.71 | 2.15 | 23.84 | 1.29 | 34.51% | 14.49% | 11.56% | 7.40% | -37.88% | 1.92% | 0.22 | 9.80 | 0.85 | 0.85 | 1.02 | 6209.00% | -182.00% | 125.00% | 7.23% | 0.03 | -40.54% | 2.13% | 31.50% | 14.86% | 4.29 | 5.02 | 0.62 | 0.69 |
| AMP | Ameriprise Financial, Inc… | $470.12 | 43.68B | +26% | -49% | — | +6% | 17.63 | 6.88 | 2.39 | 21.82 | 176.03 | 11.48 | 54.04% | 26.95% | 18.86% | 43.41% | -16.90% | 1.37% | 0.90 | 15.72 | 7.87 | 7.87 | -2.27 | 1002.00% | 539.00% | -5493.00% | 6.42% | 0.91 | -12.14% | 6.71% | 118.30% | 14.08% | 8.02 | 14.11 | 2.16 | 0.67 |
| BBD | Banco Bradesco S.A. | $4.09 | 43.26B | -28% | +15,415% | -51% | +338% | 9.75 | 1.29 | 0.67 | -94.71 | 28.39 | 1.51 | 34.61% | -1.12% | 6.78% | 13.65% | -0.90% | 1.08% | 2.02 | -0.02 | 0.58 | 0.58 | -62.94 | 3436.00% | 3711.00% | 23731.00% | -136.79% | -0.71 | -74.33% | 5.13% | 50.00% | 133.97% | -87.87 | -1.07 | 0.98 | 0.16 |
| BBDO | Banco Bradesco S.A. | $3.74 | 39.57B | +287% | +2,945% | -47% | +416% | 8.65 | 1.15 | 0.59 | 46.87 | 23.12 | 1.34 | 34.61% | 5.40% | 6.78% | 13.65% | 2.79% | 1.08% | 4.45 | 0.10 | 0.46 | 0.00 | 37.26 | 3742.00% | 3985.00% | -37561.00% | 125.95% | 0.39 | 38.13% | 5.78% | 50.00% | 5.89% | 52.95 | 3.87 | 2.86 | 0.10 |
| HBAN | Huntington Bancshares Inc… | $16.80 | 24.85B | +58% | -11% | -43% | +10% | 11.26 | 1.03 | 2.01 | 5.83 | 80.81 | 1.43 | 61.70% | 21.53% | 17.71% | 10.11% | 13.11% | 1.04% | 0.76 | 0.62 | 0.19 | 0.19 | 6.21 | 1393.00% | 438.00% | 3624.00% | 9.08% | 0.02 | 13.40% | 4.05% | 45.60% | 4.05% | 5.83 | 6.88 | 1.25 | -0.43 |
| KB | KB Financial Group Inc. | $110.00 | 39.44B | -6% | +446,716% | +54% | +307% | 10.01 | 0.95 | 1.15 | 6.85 | 49.71 | 0.95 | 49.06% | 16.83% | 11.54% | 9.80% | 9.00% | 1.54% | 0.00 | 0.65 | — | — | 0.00 | 2013.00% | 3420.00% | -10000.00% | 0.00% | — | 0.00% | 0.00% | 0.00% | 188.08% | 6.85 | — | 1.15 | — |
| MET | MetLife, Inc. | $72.07 | 47.49B | +5% | -2% | -26% | +26% | 14.41 | 1.71 | 0.63 | 8.04 | — | 2.59 | 36.36% | 6.05% | 4.38% | 12.10% | -23.70% | 0.48% | 0.68 | 4.39 | — | — | -0.47 | -1919.00% | 1022.00% | -8121.00% | 5.83% | — | -19.78% | 0.00% | 0.00% | 2.77% | 9.87 | 16.20 | 0.60 | 0.38 |
| MSCI | MSCI Inc. | $571.83 | 42.97B | -14% | -57% | — | -52% | 36.83 | -16.68 | 14.13 | 25.92 | 342.68 | -6.91 | 82.44% | 54.67% | 38.36% | -66.90% | 42.75% | 21.57% | -2.38 | 8.16 | 0.90 | 0.82 | 3.00 | 1075.00% | 975.00% | 554.00% | 3.50% | 0.87 | 48.03% | 1.26% | 46.30% | 6.87% | 29.22 | 32.32 | 15.98 | 6.01 |
| TFC | Truist Financial Corporat… | $49.31 | 63.08B | +17% | -22% | -53% | +177% | 11.83 | 0.96 | 2.06 | 12.37 | 86.43 | 1.34 | 62.21% | 20.86% | 17.44% | 8.24% | 6.20% | 0.98% | 1.07 | 0.63 | 0.87 | 0.87 | 4.74 | 1369.00% | 2550.00% | 0.00% | 3.45% | 0.01 | 2.53% | 4.77% | 56.50% | 10.34% | 13.74 | 40.31 | 2.87 | 0.11 |
About Banco Santander (Brasil) S.A.
Banco Santander (Brasil) S.A., together with its subsidiaries, provides various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. The company operates in two segments, Commercial Banking and Global Wholesale Banking. It offers deposits and other bank funding instruments; debit and credit cards; digital prepaid solutions; payment platform; loyalty programs; employee benefit vouchers; payroll loans; digital lending and online debt renegotiation services; mortgages; home equity financing products; consumer credit; and local loans, commercial and trade finance, guarantees, structured loans, and cash management and funding solutions, as well as on-lending transfer services. It also provides funding and financial advisory services related to projects, origination and distribution of fixed-income securities in the debt capital markets, financing of acquisitions and syndicated loans, other structured financing arrangements, and subordinated debt and energy efficiency transactions; advisory services for mergers and acquisitions, and equity capital markets transactions; and stock brokerage and advisory, equity, and equity research services. In addition, the company structures and offers foreign exchange, derivative, and investment products for institutional investors, and corporate and retail customers; and provides market making services. Further, it offers instant payment services; range of products and services focused on the agribusiness sector; microfinance services; and online automotive listing and digital car insurance solutions, as well as digital trading platform. Additionally, it provides its financial services and products to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. Banco Santander (Brasil) S.A. was incorporated in 1985 and is headquartered in São Paulo, Brazil.
- CEO
- Mario Roberto Opice Leao
- Employees
- 55.3K
- Beta
- 0.60
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($34.00 ÷ $5.80) − 1 = +486.21% (DCF, example).