BRB Banco de Brasilia SA (BSLI3) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of BRB Banco de Brasilia SA BRL 4.76, price BRL 2.38, upside +100.0%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 R$2.38 – R$33.37 · fair‑value band R$4.73 – R$4.76 · the R$2.38 price screens below the R$4.76 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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. 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$2.38, while our model-based Fair Value estimate is R$4.76, implying the stock looks roughly 50.0% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of R$12.63 per share, and 4 of the 6 models we run sit above the R$2.38 price.
Bear case: the Asset-Based group reads lowest at R$7.40, and 2 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: R$4.73 (bear) to R$4.76 (bull), the price of R$2.38 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 52/100 (solid 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$1.5B · P/E ratio 1.5 · P/S ratio 0.05 · EPS (TTM) R$2.02 · Dividend yield 3.8% · Net margin 3.5% · Return on equity 25.1% · Return on assets (EBIT) 1.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 74% 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 −29% fair-value upside, at 100%, BSLI3 screens cheaper than that median.
Fair Value models
Bear R$4.73Fair Value R$4.76Bull R$4.76
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 (R$1.93 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.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.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.
−0.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.9%
Dividend (yield on the price)3.8%
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.−4% vs 8%, 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
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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 · 1076 stocks
Beats the industry median on 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score51 · Below median
Fair Value upside+100% · Top 25%
Profitability
Return on equity (TTM)25% · Top 25%
Return on assets1% · Above median
Net margin (TTM)19% · Bottom 25%
Operating margin (TTM)29% · Below median
Growth and dividend
Revenue growth56% · Top 25%
Dividend yield (TTM)3.8% · Above median
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 Sep 24, 2026, our model estimates a fair value of R$4.76 versus a price of R$2.38, about +100% upside (undervalued).
What is the fair value of BSLI3?
Our model-based fair value for BRB Banco de Brasilia SA is R$4.76 (as of Sep 24, 2026), built from audited fundamentals. The current price: R$2.38.
What is the quality score of BSLI3?
BRB Banco de Brasilia SA has a Quality Score of 52/100. 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$4.76 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario R$4.73, optimistic scenario R$4.76. 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$4.76, about +100% upside versus a price of R$2.38 (undervalued). Cautious scenario R$4.73, optimistic scenario R$4.76. 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 Sep 24, 2026).
Does BRB Banco de Brasilia SA pay a dividend?
BRB Banco de Brasilia SA currently shows a dividend yield of about 3.78% relative to its recent price (as of Sep 24, 2026).
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$4.76 per share (as of Sep 24, 2026), against a price of R$2.38. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is BRB Banco de Brasilia SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BSLI3 trades below its calculated fair value: price R$2.38, fair value R$4.76, 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 BSLI3?
No. The price is what the market pays today (R$2.38); the fair value is what the company's own numbers justify (R$4.76). For BRB Banco de Brasilia SA the two are R$2.38 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$1.5B (market capitalisation, as of Sep 24, 2026). Per share that is R$2.38; our models calculate a fair value of R$4.76 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$4.73, base R$4.76, optimistic R$4.76 per share (as of Sep 24, 2026, price R$2.38). 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 1.5 (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 R$4.76 is built from several models across several years. Other multiples: P/B 0.1, P/S 0.1, EV/EBITDA 5.1.
How solid is the balance sheet of BRB Banco de Brasilia SA (BSLI3)?
Balance-sheet figures for BRB Banco de Brasilia SA (as of Sep 24, 2026): return on equity 25.1%, debt of 1.04 per unit of equity. They feed the Quality Score of 52/100, 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$2.38, about 74% below its 52-week high of R$9.25 and at the low of R$2.38 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of R$4.76 is for.
Which stocks are comparable to BRB Banco de Brasilia SA?
From the same area (Financial Services) we also value DBS Group, HDFC Bank Limited, China Merchants Bank Co, Intesa Sanpaolo S.p.A, 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 Sep 24, 2026: price R$2.38, calculated fair value R$4.76 (+100%), Quality Score 52/100, 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 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 R$4.76, 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 13.0 % above its aggregate fair value. BRB Banco de Brasilia SA currently trades 100 % 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 Sep 23, 2026 was R$2.38. Our model-based fair value is R$4.76, about +100% 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 price is below even our cautious bear case (R$4.73). 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. Solid quality (52/100) at a price below fair value, the discount is the argument here, not the business quality. The models converge in a tight band (R$4.73 to R$4.76), 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$1.5B. 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 0.05 (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 BRB Banco de Brasilia SA (BSLI3)?
Earnings per share at BRB Banco de Brasilia SA are R$2.02 (price ÷ EPS = P/E 1.5). 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 3.8% (payout 4.5%). 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 3.5% (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 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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