Banco Santander (Brasil) S.A.

Banco Santander (Brasil) S.A.

SANB11.SA
Banco Santander (Brasil) S.A.BR flagB3 S.A.
27.36
BRL
+0.15
- -
147.02BMarket Cap
Banco Santander (Brasil) S.A.
SANB11.SA
(B3 S.A.)

Recent

price

27.36

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
3.46
3.64
3.18
3.09
3.23
2.38
4.9
5.05
- -
- -
- -
- -
- -
- -
- -
- -
- -
Revenue per Share
0.52
0.52
0.37
0.38
0.36
0.63
0.47
0.58
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic EPS, GAAP
-1.76
-1.97
0.03
2.53
-0.93
0.3
0.69
6.46
- -
- -
- -
- -
- -
- -
- -
- -
- -
Free Cash Flow per Basic Share
0.38
0.54
0.34
0.28
0.29
0.53
0.43
0.75
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
9.65
9.7
9.41
9.45
8.26
8.86
8.56
8.78
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
5.71
6.26
6.51
7.08
6.28
6.61
7.1
7.58
- -
- -
- -
- -
- -
- -
- -
- -
- -
Tangible Book Value per Share
7,255
7,255
7,236
7,234
7,562
7,539
7,518
7,505
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
25,084
26,424
23,041
22,364
24,390
17,977
36,802
37,884
38,340
46,948
32,553
48,675
43,173
39,965
48,518
46,680
47,516
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,237
1,000
1,201
1,252
1,362
1,490
1,483
1,662
1,740
2,392
2,579
2,434
2,586
2,741
2,731
2,626
2,705
Depreciation Expense
7,382
7,739
5,483
5,723
5,630
9,784
7,335
8,924
12,582
16,407
13,419
15,528
14,287
9,449
13,366
12,766
11,733
Net Income, GAAP
26.15
12.55
0.68
5.81
11.42
- -
54.44
37.04
19.55
25.33
- -
37.13
26.74
20.32
30.1
22.5
26.37
Effective Tax Rate (%)
29.43
29.29
23.8
25.59
23.08
54.42
19.93
23.56
32.82
34.95
41.22
31.9
33.09
23.64
27.55
27.35
24.69
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
29,782
49,499
65,931
74,207
84,423
112,715
108,621
79,203
94,292
83,878
69,995
98,678
126,658
19,627
23,138
28,114
24,328
LT Debt
73,363
76,882
79,136
81,655
78,683
79,835
84,813
87,088
91,595
97,209
106,090
105,974
110,680
114,856
119,827
126,553
123,265
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
5.36
5.35
3.84
4.07
4.18
7.35
5.43
6.65
9.02
11.14
9.05
8.38
6.17
3.91
5.29
4.83
18.05
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
23,138
23,449
24,328
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
7,460
7,471
7,471
Market Capitalization
- -
- -
- -

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
296,963
323,668
296,119
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
6,141
4,562
4,904
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.74%
3.61%
5.61%
Free Cash Flow
154.92%
72.9%
-105.63%
Net Income, GAAP
6.06%
2.16%
-4.49%
Sales/Revenue/Turnover
14.91%
9.68%
-3.79%
Total Cash Common Dividend
21.08%
147.06%
-94.27%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
11,528
10,350
12,488
14,153
48,518
2025
12,018
8,858
13,645
- -
46,680
2026
12,036
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
Business
Banco Santander (Brasil) S.A. Banco Santander (Brasil) S.A. operates as one of Brazil's leading private banks, providing a comprehensive range of retail and wholesale banking products and services to individuals, small and medium-sized enterprises, corporate clients, and institutional investors primarily within Brazil. The company offers payroll loans, real estate loans, home equity financing, microfinance programs, consortiums, agribusiness credit and securities, insurance products including life, personal accident, vehicle, property, credit, travel, and banking transaction coverage; cash management solutions, working capital loans, trade finance, foreign exchange services, corporate lending, investment banking advisory for mergers and acquisitions, equity and debt capital markets services, treasury solutions, structured finance, deposits, and other funding instruments through a multichannel distribution network encompassing over 2,500 branches, mini-branches, ATMs, call centers, internet banking, and mobile platforms. Headquartered in São Paulo, Brazil, Banco Santander (Brasil) S.A. functions as a subsidiary of the Spanish Santander Group and traces its origins to 1982, with significant growth achieved through key acquisitions including Banco Geral do Comércio in 1997, Banco Noroeste in 1998, Banco Meridional and Banco Bozano Simonsen in 2000, Banespa in 2000, and ABN AMRO's Brazilian operations encompassing Banco Real in 2007, establishing it as the third largest private bank in the country and the largest international bank with substantial scale. Recent strategic developments include enhanced focus on digital transformation and operational efficiency through branch optimization by merging stores to improve service levels by 35% while reducing infrastructure expenses by 23% and cost-to-serve for low-income customers by 11%, targeted expansion in high-margin segments such as auto loans, payroll loans, and services for high-income individuals, strengthened sustainable finance initiatives highlighted by participation in the Brazilian government's Eco Invest Brazil Program auction and a US$300 million green A/B loan from IDB Invest to bolster the green portfolio, alongside leadership adjustments with the election of a new officer in November 2025 to support ongoing profitability goals aiming for 20-21% returns through technology integration and disciplined growth.