profit from every $100 of sales.
$0$100
Banco Santander (Brasil)
$5.02+2.45% today
-20.6% in 1 year
1-year low $4.411-year high $7.20
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 $16.61 for every $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 Santander (Brasil) sold, what it kept, and what it did with the cash.
Sales went from R$43.2 billion in 2022 to R$46.7 billion in 2025, with R$12.8 billion of profit last year.
SalesProfit
Banco Santander (Brasil) handed back more cash to shareholders than it generated last year.
R$6.5B
Free cash flow 2025R$1.3B
Bought back its own shares–
Paid as dividendsR$6.5B
Cash vs. debtR$202.0B vs. R$28.1B
Banco Santander (Brasil) vs. similar companies
Banco Santander (Brasil) grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Banco Santander (Brasil) | 16.6× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.5× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Banco Santander (Brasil)'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 |
|---|---|---|---|---|
| 43,173 | 39,965 | 48,518 | 46,680 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| 14,287 | 9,449 | 13,366 | 12,766 | |
| 1.83 | 1.21 | 1.81 | 1.63 | |
| – | – | – | – | |
| – | – | – | – | |
| 33.1% | 23.6% | 27.5% | 27.3% |
Balance sheet
| In millions of BRL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 985,451 | 1,115,653 | 1,238,797 | 1,270,029 |
| Cash | 149,640 | 193,990 | 204,884 | 201,982 |
| Total debt | 126,658 | 19,627 | 23,138 | 28,114 |
| Total liabilities | 874,771 | 1,000,796 | 1,118,970 | 1,143,476 |
| 110,183 | 114,453 | 119,492 | 125,174 | |
| 3,788 | 3,795 | 7,460 | 3,804 | |
| – | – | – | – | |
| 13.0% | 8.3% | 11.2% | 10.2% |
Cash flow
| In millions of BRL | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 6,847 | 36,615 | -21,131 | 4,992 | |
| 2,864 | 3,353 | 2,610 | 3,656 | |
| 3,983 | 33,262 | -23,741 | 1,336 | |
| Dividends paid | 7,393 | 5,450 | 5,619 | 6,496 |
| 506 | – | – | – | |
| – | – | – | – |
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
- 16.6×
- 5.6×
- –
- 1.6×
- 4.5×
- 6.0%
- 3.1%
Profitability
- 27.3%
- 4.0%
- 5.5%
- 11.1%
- 1.0%
Growth
- +2.6%
- −3.8%
- +5.3%
- −15.5%
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.
Bottom 49%of 827
Bottom 40%of 709
Bottom 38%of 876
Bottom 28%of 879
Bottom 28%of 926
What analysts expect
- Average price target
- $7.20
- Range
- $7.20 – $7.20
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 29, 2026 | 0.20 | 0.21 | −3.3% |
| Feb 4, 2026 | 0.21 | 0.20 | +7.1% |
| Oct 27, 2025 | 0.50 | 0.18 | +180.9% |
| Jul 30, 2025 | 0.26 | 0.18 | +45.2% |
| Apr 30, 2025 | 0.42 | 0.17 | +140.4% |
| Feb 5, 2025 | 0.02 | 0.18 | −91.4% |
| Oct 29, 2024 | 0.09 | 0.17 | −47.1% |
| Jul 24, 2024 | 0.08 | 0.16 | −50.0% |
3.1%of the share price, paid each year
On $1,000 invested$31a year at today's yield, before tax
+5.3%2020 to 2025
Raised2 yearsin a row, in our data
Paid per share, each year
$0.27 in 2015 → $0.25 in 2025
How safe it looks
50.9% of its profit
Room to growStretchedMore than it earns: 486.2%
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.
The seven classic investing rulebooks
0/7Passes 0 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
34No pass
Benjamin Graham
59No pass
Philip Fisher
45No pass
Peter Lynch
28No pass
Joel Greenblatt
13No pass
Charlie Munger
43No pass
Terry Smith
30No pass
Questions about Banco Santander (Brasil)
Is Banco Santander (Brasil) a good stock to buy?
A strong, very profitable business at a fair price. 0 of the 7 famous investors' published rulebooks we apply pass it. 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 Santander (Brasil) AI analysis
What does Banco Santander (Brasil) do?
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 is in Banks - Regional, based in São Paulo, SP, Brazil, with 49,107 employees.
Does Banco Santander (Brasil) pay a dividend?
Yes. At today's price the dividend is 3.1% a year, about 51% of its yearly profit. In 2025 it paid out $6.50 billion in dividends.
Is Banco Santander (Brasil) stock halal?
No. Banco Santander (Brasil) does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Banco Santander (Brasil) stock done over the past year?
Down 20.6% over the past twelve months, to $5.02. It traded between $4.41 and $7.20 and is 30.3% below its high.
Who are Banco Santander (Brasil)'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 Santander (Brasil)'s.
Prices: daily closes to Nov 12, 2026. Fundamentals: company reports via invest-like data.