Banco Santander Brasil Is Moving Carefully In Brazil's Credit Cycle
Banco Santander Brasil's loan book is flat in real terms, but the risk mix is rising with more exposure to consumer finance and SMEs amid tightening credit. NPLs and write-offs are increasing, especially in SME lending, signaling credit stress as Brazil's macro environment cools. Valuation is fair for now with a 16% earnings yield, but short-term downside risk exists if the credit cycle worsens further.
Banco Santander Q2: Just A Little Better Than The Last Result
I recommend holding Santander Brasil shares after Q2 2025 results, which showed mixed performance and fell short of market expectations. The bank remains conservative with modest loan growth, slight improvement in delinquency rates, and strong expense management amid a challenging macroeconomic backdrop. Valuation appears cheap, but peers like Itaú and Banco do Brasil offer more attractive risk/reward profiles based on P/E, ROE, and P/B ratios.
Banco Santander Q2 Earnings: Another Record Bottom Line
Banco Santander has continued to perform strongly, with the ADSs returning another ~25% since my last update in May. This takes their year-to-date return to nearly 100%. Q2 results saw the bank deliver another record net profit, even as lower interest rates weigh on parts of its business. The stock has re-rated to a rich-looking premium to tangible book value, albeit the bank continues to earn a strong mid-teens return on tangible equity.
Banco Santander, S.A. (SAN) H1 2025 Earnings Call Transcript
Banco Santander, S.A. (NYSE:SAN ) H1 2025 Earnings Call July 30, 2025 4:00 AM ET Company Participants Hector Blas Grisi Checa - Group CEO & Executive Director Jose Antonio Garcia-Cantera - Senior EVP & Group Chief Financial Officer Raul Sinha - Corporate Participant Conference Call Participants Alvaro Serrano Saenz de Tejada - Morgan Stanley, Research Division Andrea Filtri - Mediobanca—Banca di credito finanziario S.p.A.
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Santander's bet on Britain with TSB deal shows banks' need for scale
Santander's plan to buy TSB for 2.65 billion pounds ($3.61 billion) and boost its position in the UK came together just a few weeks ago, after the Spanish bank had been weighing a possible exit from Britain, three sources close to the process said.
Santander to buy TSB for £2.65bn in shake-up of UK high street banking
Santander has agreed to acquire TSB for £2.65 billion, a move that could reshape the UK's high street banking landscape amid fears of job cuts and the disappearance of an historic name from the high street. The deal, subject to shareholder approval by current owner Sabadell, may close by early 2026.
Banco Santander (SAN) is a Top Dividend Stock Right Now: Should You Buy?
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Banco Santander (SAN) Could Be a Great Choice
Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Banco Santander (SAN) have what it takes?
Santander UK freezes pay and cuts jobs amid commercial banking shake-up
Santander UK is freezing salaries, reducing bonuses and cutting roles across its commercial banking division as part of a broader restructuring aimed at streamlining operations and cutting costs. The overhaul could affect as many as 200 staff and includes changes to job titles and team structures, with some employees reassigned to roles with pay bands up to 25% lower.
