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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt 0.68
BSBR's Cash to Debt is ranked lower than
62% of the 966 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.47 vs. BSBR: 0.68 )
Ranked among companies with meaningful Cash to Debt only.
BSBR' s 10-Year Cash to Debt Range
Min: 0.2  Med: 1.23 Max: N/A
Current: 0.68
Equity to Asset 0.14
BSBR's Equity to Asset is ranked higher than
79% of the 1319 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.10 vs. BSBR: 0.14 )
Ranked among companies with meaningful Equity to Asset only.
BSBR' s 10-Year Equity to Asset Range
Min: 0.14  Med: 0.19 Max: 0.22
Current: 0.14
0.14
0.22
Interest Coverage 0.10
BSBR's Interest Coverage is ranked lower than
97% of the 1229 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.65 vs. BSBR: 0.10 )
Ranked among companies with meaningful Interest Coverage only.
BSBR' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.22 Max: 0.54
Current: 0.1
0.04
0.54
F-Score: 2
WACC vs ROIC
23.72%
1.88%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 3/10

vs
industry
vs
history
Operating margin (%) -9.88
BSBR's Operating margin (%) is ranked lower than
94% of the 1381 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 29.90 vs. BSBR: -9.88 )
Ranked among companies with meaningful Operating margin (%) only.
BSBR' s 10-Year Operating margin (%) Range
Min: 3.36  Med: 17.21 Max: 26.82
Current: -9.88
3.36
26.82
Net-margin (%) 30.06
BSBR's Net-margin (%) is ranked higher than
73% of the 1381 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 21.60 vs. BSBR: 30.06 )
Ranked among companies with meaningful Net-margin (%) only.
BSBR' s 10-Year Net-margin (%) Range
Min: 15.92  Med: 21.53 Max: 24.78
Current: 30.06
15.92
24.78
ROE (%) 7.48
BSBR's ROE (%) is ranked lower than
56% of the 1384 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 8.41 vs. BSBR: 7.48 )
Ranked among companies with meaningful ROE (%) only.
BSBR' s 10-Year ROE (%) Range
Min: 7.04  Med: 8.65 Max: 21.41
Current: 7.48
7.04
21.41
ROA (%) 1.17
BSBR's ROA (%) is ranked higher than
71% of the 1392 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.84 vs. BSBR: 1.17 )
Ranked among companies with meaningful ROA (%) only.
BSBR' s 10-Year ROA (%) Range
Min: 1.16  Med: 1.51 Max: 2.14
Current: 1.17
1.16
2.14
ROC (Joel Greenblatt) (%) -28.33
BSBR's ROC (Joel Greenblatt) (%) is ranked lower than
94% of the 1374 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 77.18 vs. BSBR: -28.33 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
BSBR' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 12.69  Med: 90.57 Max: 338.08
Current: -28.33
12.69
338.08
Revenue Growth (3Y)(%) -76.10
BSBR's Revenue Growth (3Y)(%) is ranked lower than
99% of the 1170 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.00 vs. BSBR: -76.10 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
BSBR' s 10-Year Revenue Growth (3Y)(%) Range
Min: 0  Med: -43.80 Max: 320.8
Current: -76.1
0
320.8
EBITDA Growth (3Y)(%) -78.00
BSBR's EBITDA Growth (3Y)(%) is ranked lower than
99% of the 1029 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.40 vs. BSBR: -78.00 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
BSBR' s 10-Year EBITDA Growth (3Y)(%) Range
Min: 0  Med: -60.20 Max: 316.6
Current: -78
0
316.6
EPS Growth (3Y)(%) -76.20
BSBR's EPS Growth (3Y)(%) is ranked lower than
99% of the 1036 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9.60 vs. BSBR: -76.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
BSBR' s 10-Year EPS Growth (3Y)(%) Range
Min: 0  Med: -49.75 Max: 328.9
Current: -76.2
0
328.9
» BSBR's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

BSBR Guru Trades in Q2 2014

Mario Gabelli 24,962 sh (New)
Tweedy Browne 61,370,223 sh (+0.06%)
Tweedy Browne Global Value 25,020,076 sh (unchged)
Pioneer Investments Sold Out
Jeremy Grantham 6,810,295 sh (-14.18%)
Charles Brandes 28,939,423 sh (-31.86%)
David Dreman 3,068 sh (-64.10%)
» More
Q3 2014

BSBR Guru Trades in Q3 2014

Jim Simons 484,200 sh (New)
Mario Gabelli 46,662 sh (+86.93%)
David Dreman Sold Out
Jeremy Grantham 6,349,795 sh (-6.76%)
Tweedy Browne Global Value 20,758,777 sh (-17.03%)
Tweedy Browne 35,814,778 sh (-41.64%)
Charles Brandes 13,705,377 sh (-52.64%)
» More
Q4 2014

BSBR Guru Trades in Q4 2014

David Dreman 2,829 sh (New)
Charles Brandes 17,099,364 sh (+24.76%)
Tweedy Browne Sold Out
Jeremy Grantham Sold Out
Jim Simons Sold Out
Mario Gabelli Sold Out
Tweedy Browne Global Value Sold Out
» More
Q1 2015

BSBR Guru Trades in Q1 2015

Charles Brandes 23,629,900 sh (+38.19%)
David Dreman 2,829 sh (unchged)
» More
» Details

Insider Trades

Latest Guru Trades with BSBR

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Guru Investment Theses on Banco Santander Brasil SA/Brazil

Tweedy Browne Comments on Banco Santander - Nov 26, 2013

Banco Santander (Brasil) represents our first investment in a Brazilian company. With emerging markets such as Brazil contracting somewhat as China slows, and money moving out of emerging markets based on expectations of a change in U.S. Federal Reserve monetary policy, we were afforded a pricing opportunity in what we believe to be a very attractive bank. Although Banco Santander S.A. (BSBR), a large Spanish bank, is a significant shareholder of Banco Santander (Brasil), the Brazilian bank is an independently listed subsidiary with its own management team, board of directors, and capital base. At initial purchase, Banco Santander (Brasil) was trading right around tangible book value, below 10 times 2013 estimated earnings, and had a dividend yield of approximately 5%. For a bank, it is extremely underleveraged (19.9% Tier 1 capital ratio), has high net interest margins, and among its three local competitors, has the highest consumer exposure to what we believe will continue to be a rapidly growing middle class over the longer term in Brazil.

From Tweedy Browne's semi-annual 2013 report.
Check out Tweedy Browne latest stock trades

Top Ranked Articles about Banco Santander Brasil SA/Brazil

Tweedy Browne's Recent Stock Purchases Still Try to Follow Graham's Philosophy During the Market's All-Time High
Tweedy Browne (Trades, Portfolio) has been in business for almost 90 years and even had Benjamin Graham, the father of investing, as a client between 1930 and 1940. This investment partnership is owned by William H. Browne, John D. Spears, Thomas H. Shrager and Robert Q. Wyckoff, Jr. Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 13.10
BSBR's P/E(ttm) is ranked higher than
55% of the 1245 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.80 vs. BSBR: 13.10 )
Ranked among companies with meaningful P/E(ttm) only.
BSBR' s 10-Year P/E(ttm) Range
Min: 0.13  Med: 8.87 Max: 53.36
Current: 13.1
0.13
53.36
Forward P/E 12.33
BSBR's Forward P/E is ranked lower than
52% of the 707 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 12.17 vs. BSBR: 12.33 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.00
BSBR's PE(NRI) is ranked higher than
56% of the 1242 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.90 vs. BSBR: 13.00 )
Ranked among companies with meaningful PE(NRI) only.
BSBR' s 10-Year PE(NRI) Range
Min: 0.13  Med: 8.59 Max: 51.07
Current: 13
0.13
51.07
P/B 0.90
BSBR's P/B is ranked higher than
66% of the 1350 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.10 vs. BSBR: 0.90 )
Ranked among companies with meaningful P/B only.
BSBR' s 10-Year P/B Range
Min: 0.58  Med: 0.80 Max: 1.96
Current: 0.9
0.58
1.96
P/S 3.74
BSBR's P/S is ranked lower than
67% of the 1367 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.97 vs. BSBR: 3.74 )
Ranked among companies with meaningful P/S only.
BSBR' s 10-Year P/S Range
Min: 0.08  Med: 1.38 Max: 8.03
Current: 3.74
0.08
8.03
PFCF 38.00
BSBR's PFCF is ranked lower than
90% of the 801 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 11.49 vs. BSBR: 38.00 )
Ranked among companies with meaningful PFCF only.
BSBR' s 10-Year PFCF Range
Min: 0.09  Med: 10.36 Max: 47.67
Current: 38
0.09
47.67
POCF 14.84
BSBR's POCF is ranked lower than
72% of the 911 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 9.73 vs. BSBR: 14.84 )
Ranked among companies with meaningful POCF only.
BSBR' s 10-Year POCF Range
Min: 0.08  Med: 6.58 Max: 128.33
Current: 14.84
0.08
128.33
Shiller P/E 0.71
BSBR's Shiller P/E is ranked higher than
99% of the 765 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 17.18 vs. BSBR: 0.71 )
Ranked among companies with meaningful Shiller P/E only.
BSBR' s 10-Year Shiller P/E Range
Min: 0.4  Med: 0.53 Max: 0.79
Current: 0.71
0.4
0.79
Days Sales Outstanding 55.65
BSBR's Days Sales Outstanding is ranked lower than
66% of the 768 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 34.05 vs. BSBR: 55.65 )
Ranked among companies with meaningful Days Sales Outstanding only.
BSBR' s 10-Year Days Sales Outstanding Range
Min: 21.1  Med: 40.66 Max: 1129.68
Current: 55.65
21.1
1129.68

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 1.49
BSBR's Dividend Yield is ranked higher than
55% of the 2188 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 2.63 vs. BSBR: 1.49 )
Ranked among companies with meaningful Dividend Yield only.
BSBR' s 10-Year Dividend Yield Range
Min: 0.42  Med: 2.64 Max: 4.86
Current: 1.49
0.42
4.86
Dividend Payout 0.30
BSBR's Dividend Payout is ranked higher than
62% of the 1279 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.33 vs. BSBR: 0.30 )
Ranked among companies with meaningful Dividend Payout only.
BSBR' s 10-Year Dividend Payout Range
Min: 0  Med: 0.28 Max: 0.71
Current: 0.3
0
0.71
Dividend growth (3y) 0.60
BSBR's Dividend growth (3y) is ranked lower than
73% of the 652 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 7.50 vs. BSBR: 0.60 )
Ranked among companies with meaningful Dividend growth (3y) only.
BSBR' s 10-Year Dividend growth (3y) Range
Min: 0  Med: -0.90 Max: 57.3
Current: 0.6
0
57.3
Yield on cost (5-Year) 3.47
BSBR's Yield on cost (5-Year) is ranked higher than
81% of the 2173 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 3.04 vs. BSBR: 3.47 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
BSBR' s 10-Year Yield on cost (5-Year) Range
Min: 0.98  Med: 6.14 Max: 11.31
Current: 3.47
0.98
11.31
Share Buyback Rate -279.70
BSBR's Share Buyback Rate is ranked lower than
99% of the 933 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: -1.50 vs. BSBR: -279.70 )
Ranked among companies with meaningful Share Buyback Rate only.
BSBR' s 10-Year Share Buyback Rate Range
Min: 0  Med: 32.35 Max: -279.7
Current: -279.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.47
BSBR's Price/Tangible Book is ranked lower than
66% of the 1329 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.17 vs. BSBR: 1.47 )
Ranked among companies with meaningful Price/Tangible Book only.
BSBR' s 10-Year Price/Tangible Book Range
Min: 0.95  Med: 1.26 Max: 3.8
Current: 1.47
0.95
3.8
Price/Projected FCF 3.24
BSBR's Price/Projected FCF is ranked lower than
95% of the 759 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.68 vs. BSBR: 3.24 )
Ranked among companies with meaningful Price/Projected FCF only.
BSBR' s 10-Year Price/Projected FCF Range
Min: 0.15  Med: 2.64 Max: 3.26
Current: 3.24
0.15
3.26
Price/Median PS Value 2.71
BSBR's Price/Median PS Value is ranked lower than
97% of the 1232 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 1.09 vs. BSBR: 2.71 )
Ranked among companies with meaningful Price/Median PS Value only.
BSBR' s 10-Year Price/Median PS Value Range
Min: 0.06  Med: 0.93 Max: 5.81
Current: 2.71
0.06
5.81
Price/Graham Number 0.89
BSBR's Price/Graham Number is ranked lower than
52% of the 1122 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 0.87 vs. BSBR: 0.89 )
Ranked among companies with meaningful Price/Graham Number only.
BSBR' s 10-Year Price/Graham Number Range
Min: 0.58  Med: 0.74 Max: 1.83
Current: 0.89
0.58
1.83
Earnings Yield (Greenblatt) (%) -1.90
BSBR's Earnings Yield (Greenblatt) (%) is ranked lower than
92% of the 1343 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 6.70 vs. BSBR: -1.90 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
BSBR' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.1  Med: 8.10 Max: 30.2
Current: -1.9
1.1
30.2
Forward Rate of Return (Yacktman) (%) 7.82
BSBR's Forward Rate of Return (Yacktman) (%) is ranked lower than
64% of the 758 Companies
in the Global Banks - Regional - Latin America industry.

( Industry Median: 13.31 vs. BSBR: 7.82 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
BSBR' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -33.8  Med: 4.70 Max: 350.5
Current: 7.82
-33.8
350.5

Business Description

Industry: Banks » Banks - Regional - Latin America
Compare: » details
Traded in other countries:BSBR N.Mexico, SANB3.Brazil, SANB4.Brazil, DBSA.Germany, BSBR.Argentina,
Banco Santander Brasil SA/Brazil was incorporated on August 9, 1985. The Company is a full-service bank in Brazil. It operates in two operating segments, Commercial Banking and Wholesale Banking business. Commercial Banking segment is engaged in retail banking, corporate, consumer finance, asset management and insurance. Wholesale Banking is engaged in banking & markets and proprietary trading.
» More Articles for BSBR

Headlines

Articles On GuruFocus.com
Tweedy Browne Global Value Q4 Portfolio Updates Feb 06 2015 
Weekly Guru Bargains Highlights: BSBR, BBVA, PBR.A, BBL, PKX Jan 28 2015 
Weekly Guru Bargains Highlights: MT, FCX, CLR, BSBR, APA Nov 17 2014 
Tweedy Browne's Recent Stock Purchases Still Try to Follow Graham's Philosophy During the Market's A Nov 13 2014 
Tweedy Browne’s Second Quarter 2014 Commentary Jul 24 2014 
Tweedy Browne's Q2 2014 Shareholder Letter Jul 23 2014 
Brazil Market Rallying Jun 12 2014 
Money Managers Tweedy Browne Report Largest Stocks, Topped by Johnson & Johnson May 17 2014 
Tweedy Browne Increases Holdings of 3 Stocks in First Quarter May 13 2014 
Guru Charles Brandes’ First Quarter Top Holdings May 12 2014 

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