profit from every R$100 of sales.
R$0R$100
Banco do Estado do Rio Grande do Sul
R$17.20+1.96% today
+23.0% in 1 year
1-year low R$13.981-year high R$21.82
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay R$4.10 for every R$1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Banco do Estado do Rio Grande do Sul sold, what it kept, and what it did with the cash.
Sales went from R$7.19 billion in 2022 to R$8.84 billion in 2025, with R$1.71 billion of profit last year.
SalesProfit
Banco do Estado do Rio Grande do Sul handed back 0% of the cash it generated last year.
R$36M
Free cash flow 2025R$14.8B
Bought back its own shares–
Paid as dividendsR$36M
Cash vs. debtR$22.5B vs. R$10.7B
Banco do Estado do Rio Grande do Sul vs. similar companies
Banco do Estado do Rio Grande do Sul grows in the middle of these 5 and is the cheapest for its profits.
| Company | Profit from R$100 of sales | Sales growth a year | Price per R$1 of profit |
|---|---|---|---|
| Banco do Estado do Rio Grande do Sul | 4.1× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.2× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Banco do Estado do Rio Grande do Sul's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of BRL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 7,190 | 7,534 | 8,411 | 8,842 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 715 | 870 | 727 | 1,714 | |
| 1.75 | 2.13 | 1.78 | 4.19 | |
| – | – | – | – | |
| – | – | – | – | |
| 9.9% | 11.5% | 8.6% | 19.4% |
Balance sheet
| In millions of BRL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 113,166 | 125,064 | 147,937 | 163,859 |
| Cash | 16,102 | 19,586 | 16,551 | 22,474 |
| Total debt | 5,000 | 4,855 | 7,881 | 10,712 |
| Total liabilities | 103,746 | 115,395 | 137,518 | 152,393 |
| 9,414 | 9,662 | 10,415 | 11,462 | |
| 409 | 409 | 409 | 409 | |
| – | – | – | – | |
| 7.6% | 9.0% | 7.0% | 15.0% |
Cash flow
| In millions of BRL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 841 | 6,055 | 16,524 | 15,096 | |
| 221 | 321 | 241 | 291 | |
| 620 | 5,735 | 16,283 | 14,805 | |
| Dividends paid | 15 | 15 | 75 | 36 |
| – | – | – | – | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 4.1×
- –
- 0.12
- 0.6×
- 0.8×
- 24.4%
- 0.5%
Profitability
- 19.4%
- –
- –
- –
- –
Growth
- +7.1%
- +33.8%
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 3%of 880
Bottom 46%of 878
0.5%of the share price, paid each year
On $1,000 invested$5a year at today's yield, before tax
–per share
Raised–not every year
How safe it looks
2.1% of its profit
Room to growStretchedMore than it earns: 0.2%
News
Banco Bradesco declares $0.0038 dividendSeeking Alpha · Oct 15, 2026Banco Bradesco S.A. declares $0.0035 dividendSeeking Alpha · Oct 15, 2026Quant snapshot: Okta and Citi Trends lead top-rated names, as Banco BBVA Argentina and Prudential lagSeeking Alpha · Aug 24, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Banco do Estado do Rio Grande do Sul
Is Banco do Estado do Rio Grande do Sul a good stock to buy?
A solid business, and the price looks low. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Banco do Estado do Rio Grande do Sul AI analysis
What does Banco do Estado do Rio Grande do Sul do?
Banco do Estado do Rio Grande do Sul S.A., a multiple-service bank, provides a range of banking products and services primarily in Brazil. It is in Banks - Regional, based in Porto Alegre, RS, Brazil, with 9,394 employees.
Does Banco do Estado do Rio Grande do Sul pay a dividend?
Yes. At today's price the dividend is 0.5% a year, about 2% of its yearly profit. In 2025 it paid out R$36.0 million in dividends.
Is Banco do Estado do Rio Grande do Sul stock halal?
No. Banco do Estado do Rio Grande do Sul does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Banco do Estado do Rio Grande do Sul stock done over the past year?
Up 23.0% over the past twelve months, to R$17.20. It traded between R$13.98 and R$21.82 and is 21.2% below its high.
Who are Banco do Estado do Rio Grande do Sul's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Banco do Estado do Rio Grande do Sul's.
Prices: daily closes to Nov 13, 2026. Fundamentals: company reports via invest-like data.