Dividend compounder review

BSBR

Banco Santander Brasil SA ADR · NYSE · US

Financial Services · Banks - Regional

Score61.50/100
Confidence92.00/100
DecisionReject
RatingWeak Candidate
Scoring

Quality breakdown

Dividend Reliability 13.0 / 25 Payment history, cuts, growth, and regularity.
Dividend Sustainability 8.0 / 20 Payout, free cash flow, dividend cover, and debt.
Business Quality 24.0 / 25 Scale, cash generation, growth, margins, and returns.
Valuation Discipline 13.0 / 15 Yield, P/E, and price stretch versus long-term trend.
Long-Term Trend 3.5 / 15 Trend line, long return history, and drawdown control.
Metrics

Dividend and business context

Dividend Years17
Dividend Yield1.96%
Payout Ratio131.8%
Dividend Cut 5YYes
Net Income$12.8B
Free Cash Flow$1.3B
FCF Covers DividendNo
Debt / Equity0.22
P/E16.9
Revenue Growth 5Y24.4%
Net Margin28.2%
ROE10.5%
Price vs Trend-9.3%
3Y Return-1.7%
5Y Return-11.0%
CurrencyUSD
Warnings

Review flags

Price currency USD differs from financial currency BRL.
Dividend yield normalized from payment history because provider yield looked inconsistent.
Dividend cut or material annual decrease detected in the last five completed years.
Payout ratio is elevated at 131.8%.
Free cash flow does not cover dividends paid.
Dividend diary

Activity record

BSBR dividend review warning Warning · Warning

Free cash flow does not cover dividends paid.

Dividend increased 10.4% Dividend Increase · Positive

Payment changed from 0.096 to 0.106.

BSBR dividend payment 0.106 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

Dividend increased 41.2% Dividend Increase · Positive

Payment changed from 0.068 to 0.096.

BSBR dividend payment 0.096 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

BSBR dividend payment 0.068 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

BSBR dividend payment 0.07 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

BSBR dividend payment 0.07 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

Dividend decreased -7.7% Dividend Decrease · Negative

Payment changed from 0.078 to 0.072.

BSBR dividend payment 0.072 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

BSBR dividend payment 0.078 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

BSBR dividend payment 0.081 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

BSBR dividend payment 0.08 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

BSBR dividend payment 0.084 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

Dividend decreased -6.8% Dividend Decrease · Negative

Payment changed from 0.088 to 0.082.

BSBR dividend payment 0.082 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

BSBR dividend payment 0.088 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander Brasil SA ADR.

Dividend decreased -8.2% Dividend Decrease · Negative

Payment changed from 0.097 to 0.089.

Dividend decreased -36.2% Dividend Decrease · Negative

Payment changed from 0.152 to 0.097.