Banco Santander Río S.A (BRIO) fair value: what the stock is really worth
As of Jul 17, 2026: fair value of Banco Santander Río S.A ARS 67.00, price ARS 33.50, upside +100.0%, quality 56 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Watch Banco Santander Río S.A for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 17.10 ARS – 33.75 ARS · fair‑value band 49.53 ARS – 178.97 ARS · the 33.50 ARS price screens below the 67.00 ARS fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Follow Banco Santander Río in your weekly email
Every Wednesday you see whether Banco Santander Río is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
Banco Santander Argentina S.A. provides various banking products and services to individuals, corporates, companies, agro business, and small and medium-sized enterprises in Argentina.
Show more
Banco Santander Argentina S.A. provides various banking products and services to individuals, corporates, companies, agro business, and small and medium-sized enterprises in Argentina. The company offers various accounts and cards; private banking services; and loans, as well as car, motorcycle, bike, life, personal accident, home, domestic personal ART, protected business, notebook, cell phone, tablet, video game, audio equipment, musical instrument, sporting goods, protected purchase, portfolio, withdrawal, protected expense, and agro insurance products. It also provides investment services, including fixed term, mutual funds, bonds and shares, and dollars and other foreign currencies; investment banking services, such as syndicated and structured loans, project financing, capital market, and fusion and acquisition services; and foreign trade, treasury, custody, collection, payment, electronic credit invoice, international business, financing services, telephone and online banking, and security box services. The company was formerly known as Banco Santander Rio S.A. and changed its name to Banco Santander Argentina S.A. in April 2022. The company is based in Buenos Aires, Argentina. Banco Santander Argentina S.A. is a subsidiary of Ablasa Participaciones, S.L.
Stock analysis
Banco Santander Río S.A (BRIO) currently trades at 33.50 ARS, while our model-based Fair Value estimate is 67.00 ARS, implying the stock looks roughly 50.0% undervalued today.
Show more
Valuation
How firm this estimate is: it rests on 24 models at a data quality of 91/100, which puts the evidence level at low.
Scenario range: 49.53 ARS (bear) to 178.97 ARS (bull), the price of 33.50 ARS 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 56/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Banco Santander Río S.A reported revenue of 5.1T ARS in FY2024 versus 143B ARS in FY2020, a compound +143.7%/yr. Reported net income was 921B ARS in FY2024, compounding +192.5%/yr from FY2020. FY2020 was a trough year, so the rate overstates the trend.
Key figures
Market cap 147B ARS (≈ $96.5M) · P/E ratio 12.6 · P/S ratio 2.30 · EPS (TTM) 2.64 ARS · Net margin 18.2% · Return on equity 17.1% · Return on assets (EBIT) 3.7% · Operating margin 19.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and at its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 100%, BRIO screens cheaper than that median.
Fair Value models
Bear 49.53 ARSFair Value 67.00 ARSBull 178.97 ARS
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2024 figures (about 12 months old). Earnings retained since then (2.64 ARS 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.Evidence ⓘEvidence = 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.
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.86/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−7.9%
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.
+188.4%
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.
+120.5%
Revenue growth 24 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.
+40.0%
’13
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
Profit margin (trend) ⓘ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.
60.3% (2014) → 31.4% (2019)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: rate outside our plausibility band
Compare Banco Santander Río S.A with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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 · 1052 stocks
Beats the industry median on 6/9 measures
Overall it ranks above its industry peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside+100.0% · Top 25%
Profitability
Return on equity (TTM)17.1% · Top 25%
Return on assets2.6% · Top 25%
Net margin (TTM)12.4% · Bottom 25%
Operating margin (TTM)19.2% · Bottom 25%
Growth and dividend
Revenue growth45.9% · Top 25%
Balance sheet
Debt / equity0.00× · Lowest 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). "Banco Santander Río S.A Fair Value". https://www.fairvalue-calculator.com/stock/BRIO
Frequently asked questions
Is Banco Santander Río S.A (BRIO) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 67.00 ARS versus the last price from Jul 17, 2026 of 33.50 ARS, about +100% upside (undervalued).
What is the fair value of BRIO?
Our model-based fair value for Banco Santander Río S.A is 67.00 ARS (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 17, 2026): 33.50 ARS.
What is the quality score of BRIO?
Banco Santander Río S.A has a Quality Score of 56/100. 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 Banco Santander Río S.A (BRIO)?
Our model-based price target is the fair value of 67.00 ARS (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 49.53 ARS, optimistic scenario 178.97 ARS. It is a calculation from audited fundamentals, not an analyst target.
What is the Banco Santander Río S.A stock forecast for 2026?
Our models put fair value at 67.00 ARS, about +100% upside versus the last price from Jul 17, 2026 of 33.50 ARS (undervalued). Cautious scenario 49.53 ARS, optimistic scenario 178.97 ARS. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Banco Santander Río S.A (BRIO)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Banco Santander Río S.A it is 67.00 ARS per share (as of Sep 24, 2026), against a price of 33.50 ARS. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Banco Santander Río S.A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BRIO trades below its calculated fair value: price 33.50 ARS, fair value 67.00 ARS, a gap of about +100% (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 BRIO?
No. The price is what the market pays today (33.50 ARS); the fair value is what the company's own numbers justify (67.00 ARS). For Banco Santander Río S.A the two are 33.50 ARS per share apart. That gap is exactly why we show both numbers side by side.
How much is Banco Santander Río S.A worth?
The market values Banco Santander Río S.A at about 147B ARS (market capitalisation, as of Sep 24, 2026). Per share that is 33.50 ARS; our models calculate a fair value of 67.00 ARS per share.
What do the bullish and bearish scenarios say about BRIO?
Our models span a range for Banco Santander Río S.A: cautious scenario 49.53 ARS, base 67.00 ARS, optimistic 178.97 ARS per share (as of Sep 24, 2026, price 33.50 ARS). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BRIO?
Banco Santander Río S.A trades at a price-to-earnings ratio of 12.6 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 67.00 ARS is built from several models across several years.
How solid is the balance sheet of Banco Santander Río S.A (BRIO)?
Balance-sheet figures for Banco Santander Río S.A (as of Sep 24, 2026): return on equity 17.1%, debt of 0.00 per unit of equity. They feed the Quality Score of 56/100, which measures business quality independently of the share price.
How far is BRIO from its 52-week high?
Banco Santander Río S.A trades at 33.50 ARS, at its 52-week high of 33.50 ARS and at the low of 33.50 ARS (as of Jul 17, 2026). Distance from the high says nothing about value: that is what the fair value of 67.00 ARS is for.
Which stocks are comparable to Banco Santander Río S.A?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, 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 Banco Santander Río S.A stock attractive at the current price?
The data as of Sep 24, 2026: price 33.50 ARS, calculated fair value 67.00 ARS (+100%), Quality Score 56/100, from 4 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 BRIO calculated?
We run Banco Santander Río S.A through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of 67.00 ARS, 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 14.5 % above its aggregate fair value. Banco Santander Río S.A currently trades 50 % 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 Banco Santander Río S.A (BRIO)?
The latest price we hold is from Jul 17, 2026 and stands at 33.50 ARS. Our model-based fair value is 67.00 ARS, about +100% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Banco Santander Río S.A right now?
The price is below even our cautious bear case (49.53 ARS). The market is more pessimistic than our downside scenario. The model range is unusually wide (49.53 ARS to 178.97 ARS). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (56/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of Banco Santander Río S.A
How large is the market capitalisation of Banco Santander Río S.A (BRIO)?
The market capitalisation of Banco Santander Río S.A is 147B ARS (≈ $96.5M). 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 Banco Santander Río S.A (BRIO)?
The price-to-sales ratio of Banco Santander Río S.A is 2.30 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Banco Santander Río S.A (BRIO)?
Earnings per share at Banco Santander Río S.A are 2.64 ARS (price ÷ EPS = P/E 12.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Banco Santander Río S.A (BRIO)?
The net margin of Banco Santander Río S.A is 18.2% (fiscal year 2024). 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 Banco Santander Río S.A (BRIO)?
The return on equity (ROE) of Banco Santander Río S.A is 17.1% (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 Banco Santander Río S.A (BRIO)?
On an EBIT basis the return on assets of Banco Santander Río S.A is 3.7% (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 Banco Santander Río S.A (BRIO)?
The operating margin of Banco Santander Río S.A is 19.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Banco Santander Río S.A (BRIO)?
Revenue at Banco Santander Río S.A is growing +45.9% versus a year earlier (3y avg +188%). 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 Banco Santander Río S.A (BRIO)?
Earnings per share at Banco Santander Río S.A are growing −28.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Banco Santander Río S.A (BRIO) generate?
The free cash flow of Banco Santander Río S.A is 3.2T ARS (fiscal year 2024). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
Free · no account needed
Watch Banco Santander Río S.A in the live analysis
One click puts Banco Santander Río S.A on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
