Banco do Estado do Rio Grande do Sul S.A. (BRSR5.SA)
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Banco do Estado do Rio Grande do Sul S.A. (BRSR5.SA)
No price history available.
Key financial summary
Financials in BRL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | BRL m | 4,641 | 3,838 | -1,134 | -3,890 | -4,434 | 8,385 | 8,490 | - |
| Operating profit | BRL m | 2,013 | 2,039 | ||||||
| Net profit | BRL m | 727 | 949 | 715 | 870 | 727 | 1,714 | 1,642 | 1,171 |
| EPS reported | BRL | 4.19 | 4.01 | ||||||
| Operating cashflow per share | BRL | 36.91 | 12.21 | ||||||
| Capex per share | BRL | 0.71 | 0.66 | ||||||
| FCF per share | BRL | 36.20 | 11.54 | ||||||
| Free cash flow | BRL m | 14,805 | 4,721 | ||||||
| Net debt | BRL m | -11,766 | 28,377 | ||||||
| Book value equity | BRL m | 11,462 | 11,844 | ||||||
| Book value per share | BRL | 28.03 | 28.96 | ||||||
| Number of shares | m | 408.97 | 408.97 | ||||||
| DPS (TTM paid) | BRL | 1.60 | 1.26 |
Financial summary
Financials in BRL| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 3.41 | 4.18 | ||||||
| P/B LTM | x | 0.60 | 0.58 | ||||||
| P/S LTM | x | 0.82 | 0.81 | ||||||
| P/FCF LTM | x | 0.46 | 1.46 | ||||||
| EV/EBITDA LTM | x | -2.22 | -2.21 | ||||||
| EV/Sales LTM | x | -0.21 | 1.41 | ||||||
| Earnings Yield LTM | % | +29.33% | +23.92% | ||||||
| FCF Yield | % | +215.48% | +68.71% | ||||||
| Quality | |||||||||
| ROE | % | +14.95% | +14.26% | ||||||
| ROIC | % | +3.08% | +1.02% | ||||||
| Operating margin | % | +8.48% | +8.08% | ||||||
| Gross margin | % | +31.62% | +27.05% | ||||||
| FCF/Sales | % | +62.38% | +18.70% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +135.39% | +125.28% | ||||||
| Sales Growth YoY | % | - | - | ||||||
| Net Income Growth YoY | % | +135.67% | +125.75% | ||||||
| FCF Growth | % | +28.21% | -59.12% | ||||||
| Operating Profit Growth | % | +61.81% | +63.89% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +0.52% | +6.87% | ||||||
| Dividend Growth | % | +63.80% | +28.96% | ||||||
| Payout Ratio | % | +2.10% | +52.53% | ||||||
| FCF/Debt | x | 1.38 | 0.10 | ||||||
| Net Debt/EBITDA | x | -5.34 | 12.84 | ||||||
| EBIT/Net interest | x | 0.13 | 0.12 | ||||||
| Net debt/market cap | % | +1.56% | +6.68% | ||||||
| Net debt/Equity | x | -1.03 | 2.40 | ||||||
| Gross debt/equity | x | 0.93 | 4.10 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Operating primarily across Brazil, Miami, and the Grand Cayman, Banco do Estado do Rio Grande do Sul S.A. functions as a comprehensive financial institution, delivering a wide array of banking services and products. Its portfolio includes diverse lending options such as payroll-deductible, general payroll, consumer, overdraft, real estate, and agricultural loans, complemented by both debit and credit card facilities. The bank also facilitates international transactions, offers foreign exchange services, provides various insurance products (personal and property), sells capitalization bonds, and administers supplementary pension plans, in addition to serving as a financial agent. This entity oversees an extensive network comprising 497 physical branches, 138 customer service points, and 427 electronic service stations. Founded in 1928, the company's central operations are based in Porto Alegre, Brazil.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Banco do Estado do Rio Grande do Sul S.A. (BRSR5.SA)
No price history available.
Based on consensus from external analysts. Not Kvantra's opinion.
Operating primarily across Brazil, Miami, and the Grand Cayman, Banco do Estado do Rio Grande do Sul S.A. functions as a comprehensive financial institution, delivering a wide array of banking services and products. Its portfolio includes diverse lending options such as payroll-deductible, general payroll, consumer, overdraft, real estate, and agricultural loans, complemented by both debit and credit card facilities. The bank also facilitates international transactions, offers foreign exchange services, provides various insurance products (personal and property), sells capitalization bonds, and administers supplementary pension plans, in addition to serving as a financial agent. This entity oversees an extensive network comprising 497 physical branches, 138 customer service points, and 427 electronic service stations. Founded in 1928, the company's central operations are based in Porto Alegre, Brazil.
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