BRB Banco de Brasilia SA (BSLI3) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of BRB Banco de Brasilia SA stock BRL 3.40, price BRL 2.00, upside +70.0%, quality 38 out of 100. Rating: strongly undervalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 8, 2026.
How to read this chart
60‑month range R$2.00 – R$33.37 · fair‑value band R$3.39 – R$3.71 · the R$2.00 price screens below the R$3.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 8, 2026.
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BRB - Banco de Brasília S.A. engages in the credit, financing, and investment activities for individual and corporate customers in Brazil. The company involved in the distribution of securities and fund management, credit cards, insurance, and provision of other related services.
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The company was formerly known as Banco regional de Brasília SA " BRB and changed its name to BRB - Banco de Brasília S.A. in January 1986. BRB - Banco de Brasília S.A. was incorporated in 1964 and is headquartered in Brasília, Brazil.
Stock analysis
BRB Banco de Brasilia SA (BSLI3) currently trades at R$2.00, while our model-based Fair Value estimate is R$3.40, implying the stock looks roughly 41% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of R$8.88 per share, and 4 of the 6 models we run sit above the R$2.00 price.
Bear case: the Asset-Based group reads lowest at R$4.51, and 2 of the 6 models stay below the price. Data coverage for this calculation is low.
Scenario range: R$3.39 (bear) to R$3.71 (bull), the price of R$2.00 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 38/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
BRB Banco de Brasilia SA reported revenue of R$8.9B in FY2024 versus R$3.3B in FY2020, a compound +27.8%/yr. Reported net income was R$311M in FY2024, compounding −8.8%/yr from FY2020.
Key figures
Market cap R$1.1B (≈ $193M) Micro · P/E ratio 1.2 · P/S ratio 0.25 · EPS (TTM) R$1.79 · Dividend yield 4.5% · Net margin 19.2% · Return on equity 25.1% · Return on assets (EBIT) 1.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 70 out of 100 (low confidence).
What moves the price
The share trades about 77% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at 70%, BSLI3 screens cheaper than that median.
Fair Value models
BearR$3.39Fair Value R$3.40BullR$3.71
Price R$2.00 · Upside +70.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then (R$1.70 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual IncomeR$5.23R$5.24R$5.7275
Gordon GGMR$0.0100R$0.0200R$0.020067
DDM Multi-StageR$0.0100R$0.0200R$0.020065
All 6 models by family
Dividend Discount
Gordon GGMR$0.0100R$0.0200R$0.020067
DDM Multi-StageR$0.0100R$0.0200R$0.020065
Multiples
P/E MultipleR$6.24R$8.32R$10.4061
P/B MultipleR$7.07R$9.43R$11.7853
Asset-Based
NCAV (Graham)R$3.37R$4.51R$6.7352
Economic Profit
Residual IncomeR$5.23R$5.24R$5.7275
The fair value above starts from this blend and is adjusted for dilution from new shares.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.92/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+133.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+23.4%
Revenue growth 19 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
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What shareholders gained per year (last 5 years), in BRL ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Measured in BRL: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+0.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.9%
Dividend (yield on the price)4.5%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−3.9% vs 7.9%, slowing
Profit margin 2019 to 2024 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.23% → 5%
Compare BRB Banco de Brasilia SA with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 996 stocks
Beats the industry median on 9/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score38 · Bottom 25%
Fair Value upside+70.0% · Top 25%
Profitability
Return on equity (12 months)25.1% · Top 25%
Return on assets0.5% · Bottom 25%
Net margin (12 months)19.2% · Bottom 25%
Operating margin (12 months)28.5% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)56.2% · Top 25%
Dividend yield (12 months)4.5% · Top 25%
Balance sheet
Debt / equity1.04× · Highest 25%
Valuation Multiplesvs Banks - Regional median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "BRB Banco de Brasilia SA Fair Value". https://www.fairvalue-calculator.com/stock/BSLI3
Frequently asked questions
Is BRB Banco de Brasilia SA (BSLI3) overvalued or undervalued?
As of Nov 8, 2026, our model estimates a fair value of R$3.40 versus a price of R$2.00, about +70% upside (undervalued).
What is the fair value of BSLI3?
Our model-based fair value for BRB Banco de Brasilia SA is R$3.40 (as of Nov 8, 2026), built from audited fundamentals. The current price: R$2.00.
What is the quality score of BSLI3?
BRB Banco de Brasilia SA has a Quality Score of 38/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for BRB Banco de Brasilia SA (BSLI3)?
Our model-based price target is the fair value of R$3.40 (as of Nov 8, 2026) from 6 valuation models. Cautious scenario R$3.39, optimistic scenario R$3.71. It is a calculation from audited fundamentals, not an analyst target.
What is the BRB Banco de Brasilia SA stock forecast for 2026?
Our models put fair value at R$3.40, about +70% upside versus a price of R$2.00 (undervalued). Cautious scenario R$3.39, optimistic scenario R$3.71. The calculation is refreshed regularly with new filings.
What is the revenue of BRB Banco de Brasilia SA (BSLI3)?
BRB Banco de Brasilia SA reported trailing-twelve-month revenue of about R$4.2B (latest available figure, as of Nov 8, 2026).
Does BRB Banco de Brasilia SA pay a dividend?
BRB Banco de Brasilia SA currently shows a dividend yield of 4.50% relative to its recent price (as of Nov 8, 2026).
How much is the dividend of BRB Banco de Brasilia SA (BSLI3) and when is the ex-dividend date?
BRB Banco de Brasilia SA pays a dividend of R$0.09 per share a year, a dividend yield of 4.5%. The last ex-dividend date was Sep 4, 2025. A dividend has been paid every year since 2019. The payout ratio is 5.0% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of BRB Banco de Brasilia SA (BSLI3)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BRB Banco de Brasilia SA it is R$3.40 per share (as of Nov 8, 2026), against a price of R$2.00. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is BRB Banco de Brasilia SA stock overvalued or undervalued in 2026?
As of Nov 8, 2026, BSLI3 trades below its calculated fair value: price R$2.00, fair value R$3.40, a gap of about +70% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BSLI3?
No. The price is what the market pays today (R$2.00); the fair value is what the company's own numbers justify (R$3.40). For BRB Banco de Brasilia SA the two are R$1.40 per share apart. That gap is exactly why we show both numbers side by side.
How much is BRB Banco de Brasilia SA worth?
The market values BRB Banco de Brasilia SA at about R$1.1B (market capitalisation, as of Nov 8, 2026). Per share that is R$2.00; our models calculate a fair value of R$3.40 per share.
What do the bullish and bearish scenarios say about BSLI3?
Our models span a range for BRB Banco de Brasilia SA: cautious scenario R$3.39, base R$3.40, optimistic R$3.71 per share (as of Nov 8, 2026, price R$2.00). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BSLI3?
BRB Banco de Brasilia SA trades at a price-to-earnings ratio of 1.2 (as of Nov 8, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$3.40 is built from several models across several years. Other multiples: P/B 0.3, P/S 0.3, EV/EBITDA 6.4.
How solid is the balance sheet of BRB Banco de Brasilia SA (BSLI3)?
Balance-sheet figures for BRB Banco de Brasilia SA (as of Nov 8, 2026): return on equity 25.1%, debt of 1.04 per unit of equity. They feed the Quality Score of 38/100, which measures business quality independently of the share price.
How far is BSLI3 from its 52-week high?
BRB Banco de Brasilia SA trades at R$2.00, about 77% below its 52-week high of R$8.79 and at the low of R$2.00 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of R$3.40 is for.
Which stocks are comparable to BRB Banco de Brasilia SA?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is BRB Banco de Brasilia SA stock attractive at the current price?
The data as of Nov 8, 2026: price R$2.00, calculated fair value R$3.40 (+70%), Quality Score 38/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BSLI3 calculated?
We run BRB Banco de Brasilia SA through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of R$3.40 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. BRB Banco de Brasilia SA currently trades 41% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of BRB Banco de Brasilia SA (BSLI3)?
The closing price on Nov 6, 2026 was R$2.00. Our model-based fair value is R$3.40, about +70% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BRB Banco de Brasilia SA right now?
The large discount to fair value meets weak quality (38/100). That raises the risk this is a value trap rather than a bargain. The price is below even our cautious bear case (R$3.39). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. The models converge in a tight band (R$3.39 to R$3.71), unusually little disagreement for a valuation.
Where does the earnings growth of BRB Banco de Brasilia SA (BSLI3) come from?
Earnings per share at BRB Banco de Brasilia SA grew +9.0 % a year from 2013 to 2024. Broken into its drivers: revenue per share +7.8 %, EBIT margin +3.8 %, tax rate −0.5 %, residual (interest, one-offs) −2.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of BRB Banco de Brasilia SA
How large is the market capitalisation of BRB Banco de Brasilia SA (BSLI3)?
The market capitalisation of BRB Banco de Brasilia SA is R$1.1B (≈ $193M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of BRB Banco de Brasilia SA (BSLI3)?
The price-to-sales ratio of BRB Banco de Brasilia SA is 0.25 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of BRB Banco de Brasilia SA (BSLI3)?
Earnings per share at BRB Banco de Brasilia SA are R$1.79 (price ÷ EPS = P/E 1.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BRB Banco de Brasilia SA (BSLI3)?
The dividend yield of BRB Banco de Brasilia SA is 4.5% (payout 5.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of BRB Banco de Brasilia SA (BSLI3)?
The net margin of BRB Banco de Brasilia SA is 19.2% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of BRB Banco de Brasilia SA (BSLI3)?
The return on equity (ROE) of BRB Banco de Brasilia SA is 25.1% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of BRB Banco de Brasilia SA (BSLI3)?
On an EBIT basis the return on assets of BRB Banco de Brasilia SA is 1.6% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of BRB Banco de Brasilia SA (BSLI3)?
The operating margin of BRB Banco de Brasilia SA is 28.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BRB Banco de Brasilia SA (BSLI3)?
Revenue at BRB Banco de Brasilia SA is growing +56.2% versus a year earlier (3y avg +29.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at BRB Banco de Brasilia SA (BSLI3)?
Earnings per share at BRB Banco de Brasilia SA are growing +302% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does BRB Banco de Brasilia SA (BSLI3) generate?
The free cash flow of BRB Banco de Brasilia SA is R$1.3B (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does BRB Banco de Brasilia SA (BSLI3) carry?
The net debt of BRB Banco de Brasilia SA is R$1.8B (fiscal year 2024, ≈ 1.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 8, 2026