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Upturn AI SWOT - About
BSBR 
Banco Santander Brasil SA ADR (BSBR)
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Upturn Advisory Summary
04/01/2025: BSBR (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -31.59% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 33.95B USD | Price to earnings Ratio 16.25 | 1Y Target Price 6.58 |
Price to earnings Ratio 16.25 | 1Y Target Price 6.58 | ||
Volume (30-day avg) 531108 | Beta 0.75 | 52 Weeks Range 3.75 - 5.85 | Updated Date 03/30/2025 |
52 Weeks Range 3.75 - 5.85 | Updated Date 03/30/2025 | ||
Dividends yield (FY) 6.63% | Basic EPS (TTM) 0.28 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.11% | Operating Margin (TTM) 26.44% |
Management Effectiveness
Return on Assets (TTM) 1.03% | Return on Equity (TTM) 12.19% |
Valuation
Trailing PE 16.25 | Forward PE 6.69 | Enterprise Value 86163382272 | Price to Sales(TTM) 0.61 |
Enterprise Value 86163382272 | Price to Sales(TTM) 0.61 | ||
Enterprise Value to Revenue 2.53 | Enterprise Value to EBITDA - | Shares Outstanding 7460469760 | Shares Floating 739257873 |
Shares Outstanding 7460469760 | Shares Floating 739257873 | ||
Percent Insiders 13.72 | Percent Institutions 0.51 |
Analyst Ratings
Rating 3.29 | Target Price 8.46 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold 4 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Banco Santander Brasil SA ADR
Company Overview
History and Background
Banco Santander (Brasil) S.A., founded in 1982, is one of the largest banks in Brazil. Originally Banco Geral do Comu00e9rcio, it was acquired by Grupo Santander in 2000 and rebranded. Through acquisitions and organic growth, it expanded its operations significantly to become a major player in the Brazilian financial market.
Core Business Areas
- Retail Banking: Offers a wide range of banking services to individual customers, including current accounts, savings accounts, credit cards, personal loans, mortgages, and investment products.
- Corporate Banking: Provides financial services to businesses of all sizes, including loans, trade finance, cash management, and investment banking services.
- Investment Banking: Offers advisory services for mergers and acquisitions, capital raising, and other financial transactions.
- Insurance: Offers a variety of insurance products, including life insurance, property insurance, and auto insurance.
- Asset Management: Manages investment portfolios for individual and institutional clients.
Leadership and Structure
The leadership team includes the CEO, CFO, and other key executives responsible for overseeing different business areas. The organizational structure is hierarchical, with various divisions and departments reporting to the executive team.
Top Products and Market Share
Key Offerings
- Credit Cards: Offers a range of credit cards with various benefits and rewards programs. Market share is significant but competes with Itau Unibanco and Bradesco. Revenue estimates are unavailable but contribute substantially. Competitors: Itau Unibanco (ITUB), Bradesco (BBDC), Nubank.
- Personal Loans: Provides personal loans to individuals for various purposes. Market share is notable but faces competition from fintech lenders. Revenue estimates are unavailable but contribute substantially. Competitors: Itau Unibanco (ITUB), Bradesco (BBDC), Creditas.
- Mortgages: Offers mortgage loans for home purchases. Market share is moderate, competing with Caixa Economica Federal. Revenue estimates are unavailable but contribute substantially. Competitors: Caixa Economica Federal, Itau Unibanco (ITUB), Bradesco (BBDC).
Market Dynamics
Industry Overview
The Brazilian banking industry is dominated by a few large players, with increasing competition from fintech companies and digital banks. The regulatory environment is relatively stable, but subject to changes in government policy.
Positioning
Banco Santander (Brasil) S.A. is a leading bank in Brazil, positioned as a full-service financial institution offering a wide range of products and services. Its competitive advantages include its strong brand recognition, large customer base, and extensive branch network.
Total Addressable Market (TAM)
The total addressable market is the entire Brazilian financial services sector, estimated at hundreds of billions of USD annually. Banco Santander Brasil is positioned as a major player but doesn't dominate the entire market due to strong competition.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Large customer base
- Extensive branch network
- Diversified product portfolio
- Strong capital base
Weaknesses
- Higher operating costs compared to digital banks
- Exposure to Brazilian economic volatility
- Potential for regulatory changes
- Slower adoption of digital technologies compared to fintech companies
- Reputational Risk
Opportunities
- Expanding digital banking services
- Growing demand for credit in Brazil
- Acquiring smaller banks or fintech companies
- Developing new products and services for specific customer segments
- Leveraging data analytics to improve customer experience
Threats
- Increasing competition from fintech companies
- Economic downturn in Brazil
- Rising interest rates
- Cybersecurity threats
- Regulatory changes that increase compliance costs
Competitors and Market Share
Key Competitors
- ITUB
- BBDC
- XP
Competitive Landscape
Banco Santander (Brasil) S.A. faces intense competition from other large banks and fintech companies. Its advantages include its strong brand and large customer base. Disadvantages include higher operating costs compared to digital banks.
Major Acquisitions
GetNet
- Year: 2014
- Acquisition Price (USD millions): 1104
- Strategic Rationale: Banco Santander acquired GetNet, a payment technology company, to expand its payment processing capabilities and strengthen its presence in the merchant acquiring market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been influenced by factors such as economic conditions, regulatory changes, and competition. The bank has grown through acquisitions and organic expansion.
Future Projections: Future growth is projected to be driven by factors such as increased demand for credit, expansion of digital banking services, and acquisitions. Analyst estimates vary, but generally indicate moderate growth.
Recent Initiatives: Recent initiatives include investing in digital banking technologies, expanding the branch network in underserved areas, and developing new products and services for specific customer segments.
Summary
Banco Santander Brasil is a major player in the Brazilian financial sector with strong brand recognition and a wide range of services. It faces increasing competition from fintech companies and exposure to economic volatility. Investing in digital technologies and managing operating costs are crucial for future growth. Despite competitive threats, its established presence provides a solid foundation.
Similar Companies
BBDC
Barings BDC Inc
BBDC
Barings BDC Inc
EWZ
iShares MSCI Brazil ETF
EWZ
iShares MSCI Brazil ETF
ITUB
Itau Unibanco Banco Holding SA
ITUB
Itau Unibanco Banco Holding SA
Sources and Disclaimers
Data Sources:
- Company filings
- Analyst reports
- Financial news websites
- Industry publications
Disclaimers:
The information provided is for informational purposes only and should not be considered investment advice. Investment decisions should be based on your own research and consultation with a financial advisor. Financial data is subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco Santander Brasil SA ADR
Exchange NYSE | Headquaters São Paulo, SP, Brazil | ||
IPO Launch date 2009-10-07 | CEO, Director & Member of the Board of Executive Officers Mr. Mario Roberto Opice Leao | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 55646 | Website https://www.santander.com.br |
Full time employees 55646 | Website https://www.santander.com.br | ||
Banco Santander (Brasil) S.A., together with its subsidiaries, engages in the provision of various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. It operates through Commercial Banking and Global Wholesale Banking segments. The company offers payroll and real estate loans; home equity financing solutions; a microfinance program; consortiums; agribusiness portfolio, including credit, securities, and other products; and insurance products, such as life and personal accident, vehicle and property coverage, and credit insurance, as well as insurance for travel and banking transactions. It also provides local transaction banking products, which includes local loans, commercial financing options, development bank funds, and cash management services; fund and financial advisory services for infrastructure projects, origination, and distribution of fixed income instruments in capital markets, financing for acquisitions, and syndicated loans in local and foreign currency; advisory services for mergers and acquisitions, as well as for equity transactions in capital markets; research and brokerage services for corporate, institutional, and individual investors in stocks and listed derivatives; and foreign exchange products, derivatives, and investments to institutional investors, corporate customers, and individuals. In addition, the company offers cash management for corporate customers and SMEs; advance program for entrepreneurs; and deposits and other bank funding instruments. It provides financial services and products to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. Banco Santander (Brasil) S.A. was founded in 1985 and is headquartered in São Paulo, Brazil.
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