BCO Estado do Rio Grande do Sul (BSP:BRSR3) Net Loan: R$60,862 Mil (As of Jun. 2026)

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BSP:BRSR3 BCO Estado do Rio Grande do Sul SA BSP:BRSR3
73 GF Score
Price R$17.33
GF Value R$14.81
Valuation Modestly Overvalued
! 5 Warning Signs
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What is BCO Estado do Rio Grande do Sul Net Loan?

BCO Estado do Rio Grande do Sul BSP:BRSR3 +0.35% 73 Net Loan is R$60,862 Mil as of Jun. 2026. GuruFocus rates BSP:BRSR3 with a GF Score™ of 73/100 and a GF Value™ of R$14.81 (Modestly Overvalued). The stock has 5 warning signs investors should review.

BCO Estado do Rio Grande do Sul's quarterly net loan declined from Dec. 2025 (R$61,323 Mil) to Mar. 2026 (R$59,924 Mil) but then increased from Mar. 2026 (R$59,924 Mil) to Jun. 2026 (R$60,862 Mil).

BCO Estado do Rio Grande do Sul's annual net loan increased from Dec. 2023 (R$50,155 Mil) to Dec. 2024 (R$59,924 Mil) and increased from Dec. 2024 (R$59,924 Mil) to Dec. 2025 (R$60,862 Mil).

BCO Estado do Rio Grande do Sul Net Loan Historical Data

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The historical data trend for BCO Estado do Rio Grande do Sul's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

BCO Estado do Rio Grande do Sul Net Loan Chart

BCO Estado do Rio Grande do Sul Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 37,541.40 45,606.51 50,155.19 59,621.54 61,323.07

BCO Estado do Rio Grande do Sul Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 60,860.76 60,843.50 61,323.07 59,923.92 60,861.86
BSP:BRSR3
73GF Score
BCO Estado do Rio Grande do Sul SA BSP:BRSR3
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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BCO Estado do Rio Grande do Sul Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of R$60,862 Mil mean?
BCO Estado do Rio Grande do Sul (BSP:BRSR3) has a Net Loan of R$60,862 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on BCO Estado do Rio Grande do Sul and its competitors.
Is BCO Estado do Rio Grande do Sul's Net Loan too high?
BCO Estado do Rio Grande do Sul's current Net Loan is R$60,862 Mil. Overall, BCO Estado do Rio Grande do Sul has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BCO Estado do Rio Grande do Sul's Net Loan compare to competitors?
BCO Estado do Rio Grande do Sul's Net Loan of R$60,862 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on BCO Estado do Rio Grande do Sul and its competitors. BCO Estado do Rio Grande do Sul's current Net Loan is R$60,862 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BCO Estado do Rio Grande do Sul stock overvalued right now?
Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul (BSP:BRSR3) is currently considered Modestly Overvalued. The stock's GF Value™ is R$14.81, compared to a current price of R$17.33 — trading 17% above its estimated fair value. The current Net Loan is R$60,862 Mil. BCO Estado do Rio Grande do Sul's overall GF Score™ is 73/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For BCO Estado do Rio Grande do Sul (BSP:BRSR3), the current Net Loan is R$60,862 Mil as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is BCO Estado do Rio Grande do Sul (BSP:BRSR3) Overvalued in 2026?

Based on GuruFocus' analysis, BCO Estado do Rio Grande do Sul stock appears to be overvalued. The current stock price of R$17.33 is trading 17% above its estimated GF Value™ of R$14.81. GuruFocus considers BCO Estado do Rio Grande do Sul to be Modestly Overvalued.

Key valuation signals for BSP:BRSR3:

  • Net Loan: R$60,862 Mil
  • GF Value™: R$14.81 vs. price of R$17.33 (17% above fair value)
  • GF Score™: 73/100 with 5 warning signs

No single metric tells the full story. See the BSP:BRSR3 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

BCO Estado do Rio Grande do Sul Business Description

Other Exchanges BRSR6:BrazilBRSR5:Brazil
Address Rua Capitao Montanha, nº 177 - Centro Porto Alegre, Porto Alegre, RS, BRA, 90010-040
BCO Estado do Rio Grande do Sul SA is a Brazil-based commercial bank that provides personal and corporate banking services. It provides financial services such as multiple banks, providing brokering services, consortia, card management, and warehouses. The company with its subsidiaries and affiliates operates commercial, lending, financing and investment, mortgage loan, development, leasing, and investment portfolios, including foreign exchange transactions, securities brokerage, and credit card and consortium management.
73GF Score

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Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

R$17.33
Price
R$14.81
GF Value