Financials · BSBR

Banco Santander Brasil SA (BSBR) financials

For fiscal 2025 (ended Dec 31, 2025), Banco Santander Brasil SA reported R$75.13B of revenue and R$12.77B of net income. Figures are in BRL, the currency of its SEC filings.

Revenue, FY2025
R$75.13B
Revenue growth, YoY
+1.7%
Net income, FY2025
R$12.77B
Net income growth, YoY
-4.5%
Net margin
17.0%
Free cash flow, FY2025
R$2.77B
Cash
R$73.27B
Annual revenueR$75.13B
FY2016FY2025
Annual net incomeR$12.77B
FY2016FY2025
Annual free cash flowR$2.77B
FY2016FY2025

BSBR revenue and earnings growth

BSBR revenueFY2025R$75.13B

FY YoY
+1.7%
5Y CAGR
+4.4%
10Y CAGR
+6.3%

BSBR revenue was R$75.13B for fiscal 2025 (ended Dec 31, 2025), up 1.7% from fiscal 2024. Compound annual growth was +4.4% over 5 years and +6.3% over 10 years. It rose in 9 of the last 10 fiscal years. Fiscal 2025 is the highest of the 11 fiscal years on file.

BSBR net incomeFY2025R$12.77B

FY YoY
-4.5%
5Y CAGR
-1.0%
10Y CAGR
+2.7%

BSBR net income was R$12.77B for fiscal 2025 (ended Dec 31, 2025), down 4.5% from fiscal 2024. Compound annual growth was -1.0% over 5 years and +2.7% over 10 years. It rose in 5 of the last 10 fiscal years.

BSBR free cash flowFY2025R$2.77B

5Y CAGR
-41.7%
10Y CAGR
-1.8%

BSBR free cash flow was R$2.77B for fiscal 2025 (ended Dec 31, 2025), compared with -R$22.89B in fiscal 2024. Compound annual growth was -41.7% over 5 years and -1.8% over 10 years.

Income statement

Income statement
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Dec 31, 2022
Dec 31, 2021
Dec 31, 2020
Dec 31, 2019
Dec 31, 2018
Dec 31, 2017
Dec 31, 2016
RevenueR$75.13BR$73.88BR$62.52BR$62.38BR$66.59BR$60.67BR$60.03BR$56.05BR$47.67BR$41.56B
Selling, general and adminR$20.94BR$20.42BR$19.56BR$18.24BR$17.32B-R$17.11B-R$16.94BR$16.79BR$16.12BR$14.92B
Interest expenseR$104.86BR$80.50BR$81.40BR$67.72BR$26.67BR$18.33B-R$28.52BR$28.56BR$36.47BR$46.56B
Pre-tax incomeR$16.73BR$19.19BR$11.92BR$19.57BR$24.75BR$9.66BR$22.27BR$15.91BR$14.51BR$16.38B
Net incomeR$12.77BR$13.37BR$9.45BR$14.29BR$15.53BR$13.42BR$16.41BR$12.58BR$8.92BR$7.33B

Balance sheet

Balance sheet
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Dec 31, 2022
Dec 31, 2021
Dec 31, 2020
Dec 31, 2019
Dec 31, 2018
Dec 31, 2017
Dec 31, 2016
Cash and equivalentsR$73.27BR$67.20BR$89.42BR$49.57BR$32.67BR$28.45BR$21.44BR$25.29BR$22.67BR$18.13B
GoodwillR$27.84BR$27.89BR$27.85BR$27.89BR$27.92BR$28.36BR$28.38BR$28.38BR$28.36BR$28.36B
Total assetsR$1.27TR$1.24TR$1.12TR$985.45BR$931.21BR$933.58BR$760.61BR$723.87BR$645.70BR$634.39B
Total liabilitiesR$1.14TR$1.12TR$1.00TR$874.77BR$825.23BR$827.49BR$663.40BR$632.27BR$558.62BR$549.58B
Shareholders' equityR$125.17BR$119.49BR$114.86BR$110.68BR$105.97BR$106.09BR$97.21BR$91.60BR$85.55BR$84.81B

Cash flow

Cash flow
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Dec 31, 2022
Dec 31, 2021
Dec 31, 2020
Dec 31, 2019
Dec 31, 2018
Dec 31, 2017
Dec 31, 2016
Operating cash flowR$4.99B-R$21.13BR$36.61BR$6.85BR$6.81BR$42.32BR$24.87BR$8.28BR$50.29BR$6.75B
Capital expendituresR$2.22BR$1.75BR$1.91BR$1.74BR$1.50BR$1.02BR$1.52B-R$1.62B-R$738.55MR$670.58M
Free cash flowR$2.77B-R$22.89BR$34.71BR$5.11BR$5.31BR$41.30BR$23.35BR$6.66BR$49.55BR$6.08B
Investing cash flow-R$3.32B-R$2.02B-R$2.58B-R$2.71B-R$1.93B-R$1.16B-R$2.51B-R$2.36B-R$1.45B-R$1.27B
Financing cash flowR$4.40BR$930.18MR$5.82BR$12.75B-R$658.51M-R$34.15B-R$26.20B-R$3.30B-R$44.30B-R$18.19B
Dividends paid---R$172.94MR$152.00MR$146.02M-R$148.27MR$112.10MR$272.89MR$349.77M
Stock-based compensationR$211.80MR$294.09MR$163.69MR$39.88MR$24.05MR$19.35MR$88.25MR$58.05MR$87.29MR$86.96M

Key ratios

Key ratios
Line item
Dec 31, 2025
Dec 31, 2024
Dec 31, 2023
Dec 31, 2022
Dec 31, 2021
Dec 31, 2020
Dec 31, 2019
Dec 31, 2018
Dec 31, 2017
Dec 31, 2016
Revenue growth, YoY1.7%18.2%0.2%-6.3%9.8%1.1%7.1%17.6%14.7%1.8%
Net income growth, YoY-4.5%41.4%-33.9%-8.0%15.7%-18.2%30.4%41.0%21.7%-25.0%
Net margin17.0%18.1%15.1%22.9%23.3%22.1%27.3%22.4%18.7%17.6%
Free cash flow margin3.7%-31.0%55.5%8.2%8.0%68.1%38.9%11.9%104.0%14.6%
Return on equity10.2%11.2%8.2%12.9%14.7%12.6%16.9%13.7%10.4%8.6%
Return on assets1.0%1.1%0.8%1.4%1.7%1.4%2.2%1.7%1.4%1.2%

Source: XBRL data Banco Santander Brasil SA files with the SEC, latest filing dated Feb 27, 2026 (see filings on SEC EDGAR). Provided for information only, not investment advice. Check the filing before relying on a number.

Per-share figures are as filed. The filings show no stock split in these periods.

EPS growth is left out where the share count moved enough to suggest a split the filings do not show. Growth rates need a positive starting figure. CAGR is compound annual growth between fiscal years. The CSV holds every period on file, in full figures, from the same SEC filings.

Foreign private issuers file annual reports with the SEC, so there are no quarterly statements here.

BSBR peers

CompanyRevenueGrowthNet incomeNet marginMarket cap
BSBRR$75.13B+1.7%R$12.77B17.0%$36.68B
RYC$66.61B+16.1%C$20.36B30.6%$282.66B
MUFG¥11.87T+9.5%¥1.73T14.6%$257.53B
TDC$67.78B+18.4%C$20.54B30.3%$202.90B
SAN€55.32B-1.5%€14.10B25.5%$180.35B
SMFG¥4.35T+13.6%¥1.14T26.1%$154.95B
BBVA--€10.51B-$149.88B
HDB₹2.50T+5.2%₹704.79B28.2%$132.41B

BSBR FAQ

7 questions
  • What is BSBR revenue?
    Banco Santander Brasil SA (BSBR) reported R$75.13B of revenue for fiscal 2025 (ended Dec 31, 2025). That is up 1.7% from the year before.
  • Is BSBR profitable?
    Yes. Banco Santander Brasil SA earned R$12.77B in net income for fiscal 2025 (ended Dec 31, 2025), a net margin of 17.0%.
  • How much cash and debt does BSBR have?
    Banco Santander Brasil SA reported R$73.27B in cash and cash equivalents on its most recent balance sheet in SEC filings.
  • How fast is BSBR revenue growing?
    Banco Santander Brasil SA's revenue changed +1.7% in fiscal 2025, to R$75.13B. Its compound annual growth rate was +4.4% over 5 years and +6.3% over 10 years.
  • What is BSBR free cash flow?
    Banco Santander Brasil SA generated R$2.77B of free cash flow for fiscal 2025 (ended Dec 31, 2025), which is operating cash flow of R$4.99B less capital expenditures.
  • When did BSBR last report financial results?
    The latest statements here come from Banco Santander Brasil SA's 20-F filed on Feb 27, 2026, covering the period ended Dec 31, 2025.
  • Where does this BSBR financial data come from?
    Quantisnow builds these statements from the structured XBRL data Banco Santander Brasil SA files with the SEC. It is provided for information only and is not investment advice.