Banco Santander Brasil SA (BSBR) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Banco Santander Brasil SA $3.86, price $5.71, upside -32.4%, quality 47 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
- Add to watchlist
Banco Santander Brasil SA
BSBR · USWeak valuationQuality is weak on top of the rich price.
What runs behind every stock
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range $3.40 – $7.08 · fair‑value band $2.90 – $6.13 · the $5.71 price screens above the $3.86 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
Every Wednesday you see whether Banco Santander Brasil SA ADR 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.
Company profile
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. It operates in two segments, Commercial Banking and Global Wholesale Banking.
Show more
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. It operates in two segments, Commercial Banking and Global Wholesale Banking. The company offers payment and loyalty products, including credit and debit cards; payroll and real estate loans; home equity financing solutions; microfinance programs; consortiums; agribusiness products, such as credit, securities and other products; call center and digital solutions; nonperforming assets; and insurance products comprising life, personal accident, vehicle, property, and credit insurance, as well as insurance for travel and banking transactions. It also provides emergency solutions for homes, cars, motorcycles, pets, and telemedicine; consumer finance; and corporate and investment banking services, which include cash management, structured trade and working capital solutions, trade and lending, mergers and acquisitions, equity capital markets, investment grade and emerging markets debt, and structured finance, as well as sales markets, market making, energy trading, equities, research, and private debt mobilization and securitization. In addition, the company offers cash management solutions, such as collections, payments, instant payments, and payroll and custody services; advance program, a non-financial platform to support entrepreneurs regarding educational content, certified courses, events focused on management, innovation, internationalization, and team development; customer funding through deposits and other bank funding instruments; and various investments. It offers its products and services through branches, mini-branches, and automated teller machines; call centers; banking correspondents and third-party vendors; and online and mobile banking platforms. The company was founded in 1970 and is headquartered in São Paulo, Brazil.
Stock analysis
Banco Santander Brasil SA ADR (BSBR) currently trades at $5.71, while our model-based Fair Value estimate is $3.86, implying the stock looks roughly 47.9% overvalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $22.16 per share, and 6 of the 6 models we run sit above the $5.71 price.
Bear case: the Asset-Based group reads lowest at $11.20, and 0 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: $2.90 (bear) to $6.13 (bull), the price of $5.71 sits inside 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 47/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Banco Santander Brasil SA ADR reported revenue of R$152B in FY2025 versus R$75.3B in FY2021, a compound +19.1%/yr. Reported net income was R$12.8B in FY2025, compounding −4.8%/yr from FY2021.
Key figures
Market cap $40.5B · P/E ratio 17.8 · P/S ratio 1.50 · EPS (TTM) $0.3200 · Dividend yield 2.3% · Net margin 8.4% · Return on equity 10.5% · Return on assets (EBIT) 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (medium confidence).
What moves the price
The share trades about 19% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −32%, BSBR screens cheaper than that median.
Fair Value models
All 6 models by family
Notify me when BSBR reaches fair value
Put BSBR on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Of which business quality 45 · Market factors (momentum, volatility) 56
Revenue & earnings trend
Growth Forecast
BSBR screens 48% overvalued. Compare with DBS Group →
Recent news
- Banco Santander (BME:SAN) Unveils $800 Million Chile Investment Plan
- Update: Market Chatter: Banco Santander, BBVA, Deutsche Bank Working on Several Significant Risk Transfer Deals
Compare Banco Santander Brasil SA ADR with another stock
Price, fair value, quality and upside side by side.
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 · 1076 stocks
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Strength profile in five axes (Snowflake)
VALUE 0: the price sits above our fair-value range.
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 77.48 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 3968 | HK$51.20 | HK$62.32 | +22% |
| UniCredit S.p.A UCG | €82.18 | €77.62 | −6% |
| Intesa Sanpaolo S.p.A ISP | €6.72 | €4.04 | −40% |
| Mizuho Financial Group MFG | $10.56 | $6.79 | −36% |
| BNP Paribas SA BNP | €98.43 | €105.99 | +8% |
| HDFC Bank Limited HDFCBANK | ₹728.90 | ₹406.44 | −44% |
| ICICI Bank Limited ICICIBANK | ₹1,340 | ₹616.16 | −54% |
| The PNC Financial Services Group PNC | $224.03 | $159.52 | −29% |
| Oversea-Chinese Banking Corporation O39 | 32.14 SGD | 19.80 SGD | −38% |
Explore undervalued stocks
More undervalued Financial Services stocks →
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
Discover tools
Frequently asked questions
Is Banco Santander Brasil SA (BSBR) overvalued or undervalued?
What is the fair value of BSBR?
What is the quality score of BSBR?
What is the price target for Banco Santander Brasil SA (BSBR)?
What is the Banco Santander Brasil SA ADR stock forecast for 2026?
Does Banco Santander Brasil SA ADR pay a dividend?
What growth is priced into Banco Santander Brasil SA (BSBR)?
What discount rate (WACC) does the fair value of BSBR use?
What is a reverse DCF?
How much growth has Banco Santander Brasil SA (BSBR) delivered so far?
How fast is the sector of Banco Santander Brasil SA (BSBR) growing?
What is the free cash flow yield of Banco Santander Brasil SA (BSBR)?
What is the intrinsic value of Banco Santander Brasil SA (BSBR)?
Is Banco Santander Brasil SA ADR stock overvalued or undervalued in 2026?
Is fair value the same as the market price of BSBR?
How much is Banco Santander Brasil SA ADR worth?
What do the bullish and bearish scenarios say about BSBR?
What is the P/E ratio of BSBR?
What is the PEG ratio of BSBR?
How solid is the balance sheet of Banco Santander Brasil SA (BSBR)?
How far is BSBR from its 52-week high?
Which stocks are comparable to Banco Santander Brasil SA ADR?
Is Banco Santander Brasil SA ADR stock attractive at the current price?
How is the fair value of BSBR calculated?
Is it still worth investing in stocks now?
What is the share price of Banco Santander Brasil SA (BSBR)?
What should I pay attention to with Banco Santander Brasil SA ADR right now?
Where does the earnings growth of Banco Santander Brasil SA (BSBR) come from?
Key figures of Banco Santander Brasil SA ADR
How large is the market capitalisation of Banco Santander Brasil SA (BSBR)?
What is the P/S ratio of Banco Santander Brasil SA (BSBR)?
What are the earnings per share of Banco Santander Brasil SA (BSBR)?
What is the dividend yield of Banco Santander Brasil SA (BSBR)?
What is the net margin of Banco Santander Brasil SA (BSBR)?
What is the return on equity of Banco Santander Brasil SA (BSBR)?
What is the EBIT return on assets of Banco Santander Brasil SA (BSBR)?
What is the operating margin of Banco Santander Brasil SA (BSBR)?
How fast is revenue growing at Banco Santander Brasil SA (BSBR)?
How fast are earnings growing at Banco Santander Brasil SA (BSBR)?
How much net cash does Banco Santander Brasil SA (BSBR) hold?
Watch Banco Santander Brasil SA ADR in the live analysis
One click puts Banco Santander Brasil SA ADR 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.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.