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Banco Santander (Brasil) S.A. (SANB11.SA)

BRL26.88 +0.16 (+0.60%)
BR SAO Financial Services Banks - Regional
Address Avenida Presidente Juscelino Kubitschek 04543-011
São Paulo, SP, BR
CEO Mario Roberto Opice Leao
IPO 2009-10-07
ISIN BRSANBCDAM13

Explore sections of this company profile

Also trades on B3 S.A. · SANB11.SA (BRL) B3 S.A. · SANB4.SA (BRL) New York Stock Exchange · BSBR (USD)
Description

Headquartered in São Paulo, Brazil, and incorporated in 1985, Banco Santander (Brasil) S.A. operates as a comprehensive financial institution. It delivers a wide array of banking products and services to a diverse clientele, encompassing individual consumers, small and medium-sized enterprises (SMEs), and large corporate entities, both domestically within Brazil and across international markets. The company's operations are strategically divided into two core divisions: Commercial Banking and Global Wholesale Banking. Its extensive service portfolio includes fundamental banking provisions such as deposit accounts and other funding instruments, alongside a suite of payment solutions like debit and credit cards, digital prepaid options, payment platforms, loyalty programs, and employee benefit vouchers. Lending activities are robust, covering personal finance products like payroll loans, mortgages, home equity, and general consumer credit, as well as digital lending and online debt renegotiation services. For businesses, it provides local and commercial loans, trade finance, guarantees, structured financial solutions, cash management, and capital redirection services. Beyond conventional banking, Santander (Brasil) is active in capital markets, offering specialized advisory services for mergers and acquisitions and equity capital transactions. It also provides expertise in funding, project finance, fixed-income security origination and distribution, acquisition financing, syndicated loans, other complex financial structuring, and transactions involving subordinated debt and energy efficiency. Furthermore, the institution delivers stock brokerage, equity, and equity research services. The company facilitates a range of investment and risk management tools, including foreign exchange, derivative products, and diverse investment options tailored for institutional, corporate, and retail clients, coupled with market-making capabilities. Additional specialized offerings span instant payment systems, bespoke products for the agribusiness sector, microfinance initiatives, online automotive listings, digital car insurance, and a digital trading platform. Customers access these financial services through a robust multichannel distribution network, which includes traditional branches, mini-branches, automated teller machines (ATMs), call centers, and advanced digital platforms such as Internet and mobile banking.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
BRL26.88 +0.16 (+0.60%)
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Volume Profile
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Liquidity & share structure
Average Volume
3M
Beta
0.19
Float Shares
845.96M
Free Float %
15.7%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-0.65% -5.53% -13.92% -21.58% -17.22% -18.03% -7.12% -8.60% -23.13% +50.76% +27.30%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Analyst Consensus (9 ratings, all time) Sell
Price Targets & DCF
Current price
26.88
DCF (Unlevered) 20.31 -24.5%
DCF (Levered) 13.73 -48.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 31% Bullish
Rating 2026-05 Change
Strong Buy 1 0
Buy 3 0
Hold 8 0
Sell 1 0
Strong Sell 0 0
Quality scores
Altman Z-Score
-0.16
Distress
Piotroski F-Score
3 / 9
Average
Composite Rating
B-
Overall Score
3 / 5
Medium
DCF Score
3 / 5
Medium
ROE Score
3 / 5
Medium
ROA Score
3 / 5
Medium
D/E Score
2 / 5
Medium
P/E Score
2 / 5
Medium
P/Book Score
2 / 5
Medium
Operational MOAT
  • Revenue growth
    +17.5% Q1'26: +6.7% (vs Q1'25)
  • EPS growth
    -53.6% Q1'26: +2.4% (vs Q1'25)
  • FCF margin
    Q1'26: +101.5% (vs Q1'25)
  • EBIT margin
    Q1'26: +12.3% (vs Q1'25)
  • ROIC
    Q1'26: -36.4% (vs Q1'25)
  • Share dilution
    +0.2% Q1'26: +0.1% (vs Q1'25)
  • Debt / EBITDA
    Q1'26: 6.23× (vs Q1'25)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (0.32) × ERP
WACC = 62% × Ke + 38% × Kd (80.7%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 20.32 Current price: 26.88
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
10 Rev. Ana.
5 EPS Ana.
Dec 2027
10 Rev. Ana.
6 EPS Ana.
Dec 2028
8 Rev. Ana.
2 EPS Ana.
Revenue
121.36B
est: 73.01B (+66.2%)
129.02B
est: 81.95B (+57.4%)
151.54B
est: 45.90B (+230.1%)
88.44B
83.70B – 90.83B
+92.7% YoY
95.52B
91.07B – 98.55B
+8.0% YoY
101.60B
96.52B – 104.59B
+6.4% YoY
EBITDA
14.66B
est: 15.94B (-8.0%)
21.92B
est: 16.05B (+36.6%)
19.35B
est: 8.99B (+115.3%)
17.32B
16.39B – 17.79B
+92.7% YoY
18.70B
17.83B – 19.30B
+8.0% YoY
19.89B
18.90B – 20.48B
+6.4% YoY
EBIT
11.92B
est: 13.75B (-13.3%)
19.19B
est: 14.13B (+35.8%)
16.73B
est: 7.92B (+111.3%)
15.25B
14.44B – 15.67B
+92.7% YoY
16.47B
15.71B – 17.00B
+8.0% YoY
17.52B
16.65B – 18.04B
+6.4% YoY
Net Income
9.45B
est: 20.59B (-54.1%)
13.37B
est: 27.43B (-51.3%)
12.77B
est: 25.05B (-49.0%)
32.76B
31.38B – 34.14B
+30.8% YoY
38.24B
36.28B – 40.19B
+16.7% YoY
41.52B
40.00B – 43.03B
+8.6% YoY
SGA
18.07B
est: 13.99B (+29.1%)
18.87B
est: 12.84B (+47.0%)
19.37B
est: 7.19B (+169.3%)
13.86B
13.11B – 14.23B
+92.7% YoY
14.97B
14.27B – 15.44B
+8.0% YoY
15.92B
15.12B – 16.39B
+6.4% YoY
EPS
1.27
est: 2.76 (-54.0%)
1.79
est: 3.67 (-51.2%)
0.83
est: 3.40 (-75.6%)
4.46
4.20 – 4.57
+31.2% YoY
5.11
4.86 – 5.38
+14.6% YoY
5.56
5.35 – 5.76
+8.8% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 B- 3/5 3/5 3/5 3/5 2/5 2/5 2/5
2026-05-08 B 3/5 3/5 3/5 4/5 2/5 2/5 2/5
2026-05-07 B 3/5 3/5 3/5 4/5 2/5 2/5 2/5
2026-05-06 B 3/5 3/5 3/5 4/5 2/5 2/5 2/5
2026-05-05 B 3/5 3/5 3/5 4/5 2/5 2/5 2/5
2026-05-04 B 3/5 3/5 3/5 4/5 2/5 2/5 2/5
2026-04-30 B- 3/5 3/5 3/5 4/5 2/5 2/5 1/5
2026-04-29 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-28 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-27 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-24 B- 3/5 3/5 3/5 4/5 1/5 2/5 2/5
2026-04-23 B 3/5 3/5 4/5 4/5 1/5 2/5 2/5
2026-04-22 B 3/5 3/5 4/5 4/5 1/5 2/5 2/5
2026-04-20 B 3/5 3/5 4/5 4/5 2/5 2/5 2/5
2026-04-17 B 3/5 4/5 4/5 4/5 1/5 2/5 2/5
2026-04-16 B 3/5 4/5 4/5 4/5 1/5 2/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
4.37B
OE per share TTM
0.59
Owner's Yield
2.10%
Maintenance CapEx ratio
14.97%
Maint CapEx / Avg PPE
7.6%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 49 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Pictet Emerging Markets Rising Economies ETF RISE 1.37% 296.8K 0.73%
2 Cambria Global Value ETF GVAL 0.52% 2.77M 0.66%
3 Franklin FTSE Brazil UCITS ETF FLXB.L 0.48% 754.2K 0.19%
4 Franklin FTSE Brazil ETF FLBR 0.46% 2.49M 0.19%
5 Invesco FTSE Emerging Markets High Dividend Low Volatility UCITS ETF EMHD.L 0.41% 1.17M 0.49%
6 iShares Emerging Markets Dividend ETF DVYE 0.41% 4.89M 0.50%
7 iShares EM Dividend UCITS ETF IEDY.L 0.41% 5.89M 0.65%
8 Franklin FTSE Latin America ETF FLLA 0.28% 303.1K 0.19%
9 Dimensional - Emerging Markets Value ETF DFEV 0.19% 3.72M 0.46%
10 Dimensional Emerging Markets Sustainability Core 1 ETF DFSE 0.14% 884.2K 0.44%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
302.5K
Shares Outstanding
5.37B

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Alessandro Tomao Vice President of the Board of Executive Officers male
Andre Juacaba de Almeida Vice President of the Board of Executive Officers male
Carlos Jose da Costa Andre Vice President of the Board of Executive Officer male
Cezar Augusto Janikian Vice President of the Board of Executive Officers male
Ede Ilson Viani Vice President of the Board of Executive Officers & Director male
Germanuela de Almeida de Abreu Vice President of the Board of Executive Officers female
Gilberto Duarte de Abreu Filho VP of Technology & Operations and VP of the Board of Executive Officers male
Gustavo Alejo Viviani Chief Financial Officer, EVice President, IR Officer & Vice President of the Board of Executive Officers male
Mario Roberto Opice Leao Chief Executive Officer, Director & Member of the Board of Executive Officers male
Renato Ejnisman Vice President of the Board of Executive Officer male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits