Banco Santander Brasil S A's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Banco Santander Brasil S A (BSBR) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Banco Santander Brasil S A vs Its Competitors
- TTM: Trailing 12-month revenue of 1,485M vs 2,762M combined for tracked competitors (35.0% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+300.0% annualized vs trailing 12 months), vs holding steady (-0.5%) for its tracked peer group.
- Growth: Banco Santander Brasil S A generated -17.5% revenue growth year over year in Q4 2025, vs 10.5% for its tracked competitors combined.
- Profitability: Its 165.9% net margin compares with 29.2% for the peer group.
- Scale: Banco Santander Brasil S A ranks #29 of 33 companies by market capitalization in the Money Center Banks industry, holding 0.0% of industry market cap.
- Peer revenue share: Banco Santander Brasil S A accounted for 68.4% of combined revenue among its tracked peer group, down from 74.3% a year earlier.
- Peer differentiation: Revenue per employee of $0.03M compares with $0.47M for the peer group (0.1x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
BSBR Sales vs. its Competitors, Q4 2025
Banco Santander Brasil S A reported revenue contraction of 17.45 % year on year in Q4 2025, below its competitors' combined revenue growth of 10.47 %.
With a net margin of 165.87 %, Banco Santander Brasil S A achieved higher profitability than its competitors (29.22 %).
Banco Santander Brasil S A generated 68.38 % of the combined sales of its peer group, down from 74.32 % a year earlier.
Banco Santander Brasil S A vs. its Competitors, Q4 2025
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Banco Santander Brasil S A and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Banco Santander brasil S a | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (1) | $12,345M | +12.3% · Accelerating |
| Similar-Size Competitors (7) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Banco Santander Brasil S A's competitor groups requires a Commercial License.
For context: the Money Center Banks industry grew revenue -2.5% year over year, combined, vs -17.5% for Banco Santander Brasil S A. Banco Santander Brasil S A's share of combined industry revenue moved from 0.19% to 0.16%, a loss of 0.03 percentage points.
Banco Santander Brasil S A's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Banco Santander brasil S a | - | No | No | Yes |
| Competitors combined (1) | ||||
| High-Confidence Competitors (1) | ||||
| Similar-Size Competitors (7) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
BSBR Stock Performance relative to its Competitors
BSBR Stock Performance relative to High-Confidence Competitors
BSBR Stock Performance relative to Similar-Size Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Wintrust Financial Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Banco Santander Brasil S A's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Banco Santander Brasil S A's Comment on Competition and Industry Peers
Publicly Traded Peers of Banco Santander brasil S a
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Banco Santander brasil S a | - | 1,485.15 |
| Wintrust Financial Corp | 9,828.40 | 2,761.82 |
| SUBTOTAL | 9,828.40 | 4,246.97 |
Sources: Banco Santander brasil S a's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Banco Santander brasil S a versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Banco Santander Brasil S A's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Ita Unibanco Holding S a | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Banco Santander Brasil S A's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Banco Santander Brasil S A's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Banco Santander brasil S a | - | 29,906 | 49,604 |
| Wintrust Financial Corp | 9,828 | 467,946 | 146,512 |
| PEERS TOTAL | 9,828 | 467,946 | 146,512 |
Banco Santander Brasil S A's Position in Industry Market Structure
Market-capitalization share and concentration across all 31 companies in Banco Santander Brasil S A's industry classification, broader than the peer set above. Market cap in millions of $.Banco Santander Brasil S A ranks #29 of 31 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 836, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Royal Bank Of Canada | 280,952 | 12.93 % |
| 2 | Mitsubishi Ufj Financial Group Inc | 268,764 | 12.37 % |
| 3 | Santander Uk Group Holdings Plc | 256,269 | 11.80 % |
| 4 | Toronto dominion Bank | 200,812 | 9.24 % |
| 5 | Ubs Ag | 1,234 | 5.2% |
| 6 | Natwest Group Plc | 1,234 | 5.2% |
| 7 | Ing Groep Nv | 1,234 | 5.2% |
| 8 | Bank Of Montreal | 1,234 | 5.2% |
| 9 | Barclays Plc | 1,234 | 5.2% |
| 10 | Grupo Aval Acciones Y Valores S a | 1,234 | 5.2% |
| 29 | Banco Santander brasil S a | 45 | 0.00 % |
Market cap and industry share for the rest of Banco Santander Brasil S A's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-29.
Banco Santander Brasil S A's Same-Size Peers & Stock Performance
Peers chosen by closeness in market-cap rank within the same industry classification (not the named-competitor list above). Trailing 12-month total return, 3-month price momentum, beta and Sharpe ratio vs the broad U.S. market.| Rank | Company | Market Cap | TTM Return |
|---|---|---|---|
| 24 | Inter and Co Inc | 2,041 | -44.42 % |
| 25 | Esquire Financial Holdings inc | 1,047 | 15.86 % |
| 26 | Peapack gladstone Financial Corporation | 818 | 56.15 % |
| 27 | Versabank | 1,234 | 12.3% |
| 28 | Woori Financial Group Inc | 1,234 | 12.3% |
| 29 | Banco Santander brasil S a | 45 | 3.92 % |
| 30 | Barclays Bank Plc | 1,234 | 12.3% |
| 31 | Lloyds Banking Group Plc | 1,234 | 12.3% |
Market cap, return, momentum, beta and Sharpe ratio for the rest of Banco Santander Brasil S A's same-size peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation); returns and risk metrics as of 2026-09-29. Beta and Sharpe ratio are versus the broad U.S. equity market, not this industry.
Banco Santander Brasil S A's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue Growth | -80.28 % | 500.00 % | -17.45 % |
| Operating Margin | - | - | - |
| Return on Invested Capital | - | - | - |
| P/E | 0.0x | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Banco Santander Brasil S A's BCG Growth-Share Matrix
Relative market share (vs Banco Santander Brasil S A's largest competitor by market cap) against industry revenue growth, using the standard textbook thresholds (1.0x share, 10% growth) a common framework, not a precision instrument.
Banco Santander Brasil S A falls in the Question Mark quadrant: relative market share of 0.00x vs its largest competitor, in an industry growing revenue 13.8% (median, trailing 12 months).
Source: CSIMarket API (market-cap share and industry revenue growth). The 10% growth and 1.0x share lines are standard textbook thresholds, not derived from this industry's own distribution.
Banco Santander Brasil S A's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 836 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 11.79 % vs industry average 2.92 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Banco Santander Brasil S A's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Banco Santander Brasil S A's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Banco Santander Brasil S A's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Banco Santander Brasil S A falls in the Medium attractiveness / Low strength cell: Harvest.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Banco Santander Brasil S A's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+300.0% annualized vs trailing 12 months).
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
- Low relative market share vs the industry leader (0.00x).
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- Industry revenue growing at a healthy 13.8% median pace.
Threats
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Banco Santander Brasil S A's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Banco Santander brasil S a | 3.40 | 34.48 | - |
| Wintrust Financial Corp | 0.09 | 0.04 | 0.16 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Banco Santander Brasil S A's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Banco Santander brasil S a | Q4 2025 | -17.5 % | -3.3 % |
| Wintrust Financial Corp | Q2 2026 | +10.3 % | +19.5 % |
| PEERS TOTAL | -10.1 % | -1.7 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Banco Santander Brasil S A's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Banco Santander brasil S a | Q4 2025 | - | +7.8 % |
| Wintrust Financial Corp | Q2 2026 | +4.0 % | - |
Banco Santander Brasil S A's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Banco Santander brasil S a | 1.02% | 1.13% | 41,459.21% |
| Wintrust Financial Corp | 1.20% | 3.12% | 11.84% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Banco Santander Brasil S A's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Banco Santander brasil S a | 0.02 | - |
| Wintrust Financial Corp | 10.90 | 3.56 |
| PEERS AVERAGE | 2.95 | 2.31 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.