BSBR Earnings Prediction
The chart below shows how BSBR performed 10 days before and after its earnings report, based on data from the past quarters. Typically, BSBR sees a -1.44% change in stock price 10 days leading up to the earnings, and a -0.74% change 10 days following the report. On the earnings day itself, the stock moves by +1.68%. This data can give you a slight idea of what to expect for the next quarter's release.
BSBR Key Earning Data
2024/Q4
Year Over Year
Quarter Over Quarter
Total Revenue
3.42B
0.78%
0.13%
Gross Margin
--
--
--
Operating Margin
28.11%
33.92%
54.79%
Net Margin
19.23%
14.67%
-5.64%
EPS
0.09
12.50%
0.00%
No Data Available
BSBR Earnings Analysis
BANCO SANTANDER (BRASIL) SA Corporation (BSBR.N) Earnings Conference Call
Positive
Quarterly Profit Surge: Banco Santander (Brasil) S.A. reported a quarterly net profit of BRL3.7 billion, reflecting a 10% quarter-on-quarter growth and a significant annual increase, indicating strong profitability recovery.
ROAE Growth Achievement: The bank achieved a 17% ROAE, demonstrating impressive growth both quarter-on-quarter and year-on-year, showcasing effective capital management and profitability strategies.
Net Interest Income Growth: Net Interest Income (NII) grew by 16% year-on-year, significantly outpacing the 6% growth in the loan portfolio, highlighting the bank's ability to enhance profitability through better asset allocation.
Record Fees and Commissions Growth: Fees and commissions reached an all-time high with a quarterly growth of 3% and an annual growth of 13%, driven by strong performance across various business lines, including a 14.4% year-to-date increase in card fees.
Consumer Finance Growth: The Consumer Finance segment grew its portfolio by 20% year-on-year, with net revenues increasing by 33%, indicating strong demand and effective management in this key area.
Negative
Net Profit Growth Slowdown: Quarterly net profit of BRL3.7 billion shows only a 10% increase quarter-on-quarter, indicating a slowdown in growth momentum compared to previous quarters.
Cautious Credit Growth: Loan portfolio experienced a slight reduction, indicating a cautious approach to credit growth amidst a focus on profitability.
Capital Ratio Decline: The Tier 1 capital ratio dropped by 20 basis points due to a R$1.3 billion impact from old legal cases, raising concerns about future capital stability.
SME Delinquency Risk Increase: Higher delinquency rates in SMEs were noted, particularly in the E1 D1 segment, reflecting increased risk in this area amid economic pressures.
Conservative Credit Strategy: The company is adopting a more conservative credit appetite, which may lead to slower portfolio growth in the coming quarters.
BSBR FAQs
How does BSBR typically perform around its earnings report dates?
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BSBR Earning Call Sentiment
Banco Santander (Brasil) S.A. (BSBR) Q3 2024 Earnings Call Transcript
1.0x
00:00
00:00
BSBR.N
-0.22%Positive
The earnings call reveals strong financial performance with a 10% YoY net profit increase and a 17% ROAE. Positive indicators include improved asset quality, a stable cost of risk, and a solid capital position. Despite competitive pressures and regulatory challenges, the bank is focusing on profitability and diversification. The Q&A section highlights management's confidence in handling regulatory impacts and sustaining growth. The absence of a share buyback or dividend program is a minor drawback, but overall, the outlook remains positive with expected growth in NII and fees.
