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    Banks - Regional
Banco Santander (Brasil) S.A.

Banco Santander (Brasil) S.A.

SANB4.SA
Banco Santander (Brasil) S.A.BR flagB3 S.A.
14.07
BRL
+0.01
- -
144.92BMarket Cap
Banco Santander (Brasil) S.A.
SANB4.SA
(B3 S.A.)

Recent

price

14.07

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
5.97
3.09
6.33
4.68
9.61
9.91
10.07
12.35
8.57
12.8
11.4
10.53
6.5
12.27
6.36
Revenue per Share
0.52
0.52
0.69
0.38
0.71
1.24
0.93
1.13
1.6
2.09
1.71
1.98
1.83
1.21
0.87
1.63
1.57
Basic EPS, GAAP
-1.76
-1.97
0.06
2.53
-1.83
0.58
1.36
12.68
1.81
6.04
10.54
1.09
1.05
8.76
-3.18
0.35
0.69
Free Cash Flow per Basic Share
0.38
0.54
0.65
0.28
0.57
1.04
0.84
1.48
1.6
1.83
2.71
2.61
1.95
1.44
0.75
1.71
0.89
Dividend per Share
9.65
9.7
17.65
9.45
16.21
17.4
16.8
17.25
18.28
19.31
18.53
28.76
30.48
31.34
16.95
34.27
8.7
Book Value per Share
5.71
6.26
12.21
7.08
12.34
12.97
13.94
14.88
15.73
17.01
19.33
19.77
20.88
21.73
11.66
24.53
12.11
Tangible Book Value per Share
7,255
7,255
3,860
7,234
3,851
3,839
3,829
3,822
3,807
3,802
3,800
3,803
3,788
3,795
7,460
3,804
7,467
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
93,707
104,493
115,073

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
0.41
0.48
0.49
- -
0.87
2025
0.42
0.26
- -
- -
1.63
2026
0.43
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.21
0.17
0.17
- -
0.75
2025
0.2
0.32
- -
- -
1.71
2026
0.29
- -
- -
- -
- -
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Business
Banco Santander (Brasil) S.A. (SANB4.SA) operates as a major commercial bank in Brazil, providing a comprehensive range of financial services to individuals, small and medium-sized enterprises, and large corporations; these include retail banking products such as current and savings accounts, personal and payroll loans, credit cards, mortgages, and insurance; commercial and corporate banking offerings encompassing working capital financing, trade finance, project finance, syndicated loans, and treasury services; investment banking services like mergers and acquisitions advisory, equity and debt capital markets, and structured finance; as well as asset management, brokerage, and private banking through dedicated platforms. The bank also offers digital banking solutions via its Santander Way app and internet portal, supporting payments, investments, and financial planning tools. Headquartered in São Paulo, Brazil, Banco Santander (Brasil) S.A. was originally established in 1982 as Banco Santander Brasil and serves customers primarily in Brazil with a nationwide branch network exceeding 3,800 locations.