Stock Ratings / Financials / BSBR / financials

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Banco Santander Brasil SA American (BSBR) Revenue-to-Profit Sankey Flow & SEC XBRL Financials

Q: How profitable is Banco Santander Brasil SA American (BSBR)?

In Trailing 12 Months, BSBR converted $4.8B of revenue into a 52% gross margin, 13.9% operating margin, and $754.6M in free cash flow (15.8% FCF margin).

$4.41 -3.50% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $4.37

Banco Santander Brasil SA American (BSBR) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY) →

ROARABLE D • SELL / AVOID Cap $34.14B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on BSBR Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is BSBR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Banco Santander Brasil SA American (NYSE: BSBR) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $4.41 (-3.50% 1D, market cap $34.14B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 4/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 7/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, BSBR ranks #662 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does BSBR compare to KB and BAP in the Financials sector?

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Within the Financials sector (Commercial Banks), BSBR carries a Roarable D (50/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, KB (KB Financial Group Inc) holds a D+ grade (58/100 RQD, P/E 32.8x, ROIC 9.9%, cap $40.62B) and BAP (Credicorp Ltd.) posts a C- grade (59/100 RQD, P/E 32.8x, ROIC 9.9%, cap $28.69B). Among the 5-stock peer group, BSBR leads on earnings multiple (32.8x) while BSBR leads on capital efficiency (9.9% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for BSBR?

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For Banco Santander Brasil SA American (BSBR), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #662 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $4.37 (-0.82%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 12/20 (C-) • 15.8% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 50/100 (D) historically posted market-perform odds over rolling 90-day windows (-1.4% avg 90D alpha vs SPY • 49.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D · Rk D+

Each axis scored 0–20

12M PRICE TARGET CONE-3.6% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for BSBR)Realized 20D OHLCV Swing Band: ±5.9%

Deterministic 5-Pillar Attribution (50/100 Composite)

🔍 WHY BSBR SCORES 50/100 (D) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (30% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Cash Engine Quality+12/20 pts (24% of score)

SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($754.6M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning4/20 pts (-16 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-16 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$5.77-4.3% Next Q

Q2 (-2Q)

Grade C$5.52-12.7% Next Q

Q3 (-1Q)

Grade C-$4.82-8.5% Next Q

Current

Grade D$4.41-1.4% Hist 90D α

Trajectory: C (58) → D (50)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a BSBR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While BSBR currently carries a cautious 50/100 (D) rating due to Whale & Options Positioning (4/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Clean SEC annual filing review with no major hidden accounting time-bombs.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($5.62) and Max Pain ($4.63) forces dealer call-delta covering toward $7.69.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $BSBR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “BSBR Beats Next Quarter EPS Consensus (Upcoming Quarter) & Holds Above 200D SMA”

YES 50%NO 50%Trade / Inspect Odds →

VISUAL REVENUE-TO-PROFIT SANKEY WATERFALL • Trailing 12 Months

How BSBR Turns Every Dollar of Sales Into Real Bottom-Line Profit

Free Cash Flow:$754.6M (15.8% FCF Margin)

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring BSBR)

✓Walkthrough of BSBR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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BSBR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -23.57%🛡️ HOLDING TREND SUPPORT

2026-11-01O $4.54H $4.57L $4.41C $4.41VOL 10.48M

RES: $6.06SUP: $4.35SMA50: $5.62SMA200: $5.81

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

BSBR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 BSBR Butterfly Map → + Track BSBR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

25.3%/yr Implied 5Y Growth

vs. +17.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on BSBR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for BSBR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for BSBR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (BSBR)

Financials Rank #662 of 1096 ⚔️ KB vs BSBR Full Matrix →

1. Head-to-Head Financials Peer Comparison (BSBR vs. KB, BAP, CIB, BCH)

Industry: Commercial Banks (34 Tracked Issuers)

Across 1096 tracked Financials securities in the Roarable RQD universe, Banco Santander Brasil SA American (BSBR) ranks #662 by composite RQD confidence (50/100, grade D) and #84 by equity capitalization ($34.14B). Within this direct 5-issuer industry benchmark cohort, BSBR leads on earnings valuation at 32.8x trailing P/E, while BSBR leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. BAP currently holds the highest overall quantitative score in the immediate peer group at 59/100 (C-) compared with BSBR at 50/100 (D).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
BSBR ACTIVE Banco Santander Brasil SA American	D	50/100	32.8x	—	9.9%	-3.50%	$34.14B	Benchmark Subject
KB KB Financial Group Inc	D+	58/100	32.8x	—	9.9%	-1.59%	$40.62B	/kb-vs-bsbr →
BAP Credicorp Ltd.	C-	59/100	32.8x	—	9.9%	-3.39%	$28.69B	/bap-vs-bsbr →
CIB Grupo Cibest S.A. American	D+	58/100	32.8x	—	9.9%	-1.65%	$22.30B	/cib-vs-bsbr →
BCH Banco De Chile ADS	D	50/100	32.8x	—	9.9%	-4.49%	$19.33B	/bch-vs-bsbr →

2. BSBR Fundamental Profitability, Capital Efficiency & Balance-Sheet Forensics

TRAILING 12M & FORWARD QUANTITATIVE SNAPSHOT

Banco Santander Brasil SA American (BSBR) operates in Commercial Banks (Financials) with an equity capitalization of $34.14B, trailing P/E of 32.8x, forward P/E of 27.6x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 8/9.

3. BSBR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is BSBR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does BSBR compare to KB and BAP in the Financials sector?

What are the biggest fundamental strengths and SEC risk factors for BSBR?

Where is BSBR trading relative to its 50-day, 200-day, and 52-week technical levels?

BSBR last traded at $4.41 (-3.50% on volume of 3,786,366 shares), positioning the stock -21.53% below its 50-day simple moving average ($5.62) and -24.10% below its 200-day simple moving average ($5.81). Across its 52-week range of $4.38 to $7.32, BSBR sits at the 1.0% percentile with a 14-day RSI of 29.1 (OVERSOLD (<32)) and an implied next-earnings move of ±5.9% ($4.15 to $4.67).

BSBR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

How profitable is Banco Santander Brasil SA American (BSBR)?

In Trailing 12 Months, BSBR converted $4.8B of revenue into a 52% gross margin, 13.9% operating margin, and $754.6M in free cash flow (15.8% FCF margin).

Direct Sub-Reports: BSBR RQD Cockpit BSBR 12M Forecast BSBR Earnings & Move BSBR Dividends & DRIP BSBR Insiders & 13F BSBR Whale Options BSBR Profit Sankey BSBR News & Why

ROARABLE RATING BRIEF • RQD 50/100 (D) ✓ STAGE-C NUMBER FIREWALL VERIFIED

BSBR — Banco Santander Brasil SA American: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T14:09:10Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, BSBR scores 50 out of 100, a letter grade of D, with the verdict "Roarable Sell — Underperform / Distribution Warning." The five pillars are:

Fundamental Cash Engine: 12 / 20. Per the Roarable RQD rating, this reflects ROIC of 9.9% and an FCF yield of 2.21%. Returns on capital and cash generation are modest relative to the valuation the market is currently assigning.
Whale 13F Flow: 4 / 20. Per the Roarable RQD rating, this pillar covers institutional accumulation and options positioning. It is the weakest pillar, suggesting limited institutional support in the source data.
Insider Conviction: 12 / 20. Per the Roarable RQD rating, this reflects SEC Form 4 and Congressional PTR cluster flow. The score is mid-range and does not indicate strong insider conviction.
Macro Regime Fit: 7 / 20. Per the Roarable RQD rating, beta is 0.91 with sector sensitivity noted. This pillar is weak, indicating limited alignment with the prevailing macro regime as scored.
Forensic Balance Sheet: 15 / 20. Per the Roarable RQD rating, Altman Z is 2.5, Piotroski F is 8/9, and Debt/Equity is 0.5. This is the strongest pillar and points to a relatively sound balance sheet.

For a prospective investor, the upside case rests mainly on balance sheet strength. The valuation tradeoff is significant: per the market data, the stock trades at a P/E (TTM) of 32.8 against EPS (TTM) of 0.14, and an EV/EBITDA of 21, while the FCF yield is 2.21%. Earnings-based and cash-based multiples are not aligned, and the weak whale-flow and macro-fit pillars reduce confidence that the valuation will be supported. The overall verdict is a sell-side warning, not a recommendation to act.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
4.57	$34.14B	32.8	27.6	21	0.14	0%	0.91	$4.38 - $7.32	9.9%

Business

Banco Santander Brasil SA American is listed on the NYSE under BSBR and classified in the Financials sector, Commercial Banks industry, per the profile. Beyond this classification, the source data does not describe its products, customer base, or revenue mechanics. Not available in source data for the remaining business detail.

Open Questions

What are the period-level revenue, operating income, net income, and cash flow figures that would explain the gap between the 32.8 P/E and the 2.21% FCF yield?
What drives the weak Whale 13F Flow score of 4/20, and is there institutional position data behind it?
What catalysts or risk events, if any, are behind the 0.66% price move and the 10,475,104 share volume?
Which specific sector and macro factors underlie the Macro Regime Fit score of 7/20?
What is the consensus analyst rating and price target, if any exists?

BSBR Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Banco Santander Brasil SA American (BSBR) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to BSBR Debate Forum (3) ↓

🔴 RISK WATCH Yahoo Finance • 3d ago

Banco Santander Brasil Stock And 2 More Ways To Play Brazil’s High Rates

Brazil’s surging interest bill and widening fiscal deficit have pushed borrowing costs higher and put local assets under a harsher spotlight. That pressure can punish weaker balance sheets, yet it can also reward busines

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 4d ago

Santander Brasil (BSBR) Q3 2026 Earnings Call Transcript

Bank shifts toward higher-quality credit amid rising household debt and rate pressures.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 4d ago

What Banco Santander Brasil (BSBR) Said on Its Q3 Earnings Call

Banco Santander Brasil (NYSE:BSBR) reported recurring net income of BRL 2.9 billion for the third quarter of 2026, with return on equity of 11.9%, as the lender continued to rebalance its loan book toward lower-risk cust

Read Full Source ↗

🔴 RISK WATCH Yahoo Finance • 5d ago

Bradesco Sinks 5% on Itau BBA Downgrade as Brazilian Bank Stocks Slide

Key TakeawaysBanco Bradesco shares fell 5% today after Itaú BBA downgraded the bank to Market Perform from Outperform, hours after Citi cut it to Neutral from Buy. Itaú Unibanco and Santander Brasil fell 4% each and Nu H

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🟡 MARKET WIRE Yahoo Finance • 5h ago

European Equities Traded in the US as American Depositary Receipts Rise in Monday Trading

European equities traded in the US as American depositary receipts began the week tracking higher la

Read Full Source ↗

🟢 CATALYST Yahoo Finance • 2d ago

Cake Digital Bank Wins Gold at Qorus-Infosys Finacle Banking Innovation Awards 2026

Cake Digital Bank, a digital-only bank from Vietnam, has won Gold at the Qorus-Infosys Finacle Banking Innovation Awards 2026 for its initiative, "Reinventing Financial Experiences Through an AI-First Banking Model." Cak

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🟡 MARKET WIRE Yahoo Finance • 3d ago

Heineken N.V. successfully places €1.0 billion of Notes

Yahoo Finance coverage on BSBR stock catalysts, institutional flow, and earnings outlook.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 3d ago

KBRA Assigns Preliminary Ratings to Sierra Residential DAC

DUBLIN, October 30, 2026--KBRA Europe (KBRA) assigns preliminary ratings to six classes of notes to be issued by Sierra Residential DAC, a static RMBS securitisation collateralised by predominantly first-lien, reperformi

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🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

BSBR Bull vs. Bear Conversation Board — What's Your Call at $4.41?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON BSBR 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $4.94 (+8.1%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is BSBR (D • RQD 50/100) a Buy at $4.57?

Welcome to the BSBR (Banco Santander Brasil SA American) Roar Pit. Current RQD Composite is 50/100 (Roarable Sell — Underperform / Distribution Warning) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

RE RedlineAuditor Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $3.66 (-19.9%)

Spot @ $4.57

Pump the brakes on BSBR — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on BSBR, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Banco Santander Brasil SA American expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

TA TapeReader_Pro Verified K Arena Trader 🐂 BULLISH 🎯 Target: $5.62 (+23.0%)

Spot @ $4.57

BSBR cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on BSBR, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $4.57 (52-wk range $4.38 - $7.32), any beat on forward guidance forces shorts and underweight funds to chase.