Banco Santander Brasil SA ADR (BSBR)vsICICI Bank Limited (IBN)
BSBR
Banco Santander Brasil SA ADR
$5.69
-1.56%
FINANCIAL SERVICES · Cap: $47.14B
IBN
ICICI Bank Limited
$26.31
+1.08%
FINANCIAL SERVICES · Cap: $95.10B
Smart Verdict
WallStSmart Research — data-driven comparison
ICICI Bank Limited generates 3803% more annual revenue ($1.92T vs $49.31B). BSBR leads profitability with a 30.3% profit margin vs 27.5%. BSBR appears more attractively valued with a PEG of 0.42. BSBR earns a higher WallStSmart Score of 72/100 (B).
BSBR
Strong Buy72
out of 100
Grade: B
IBN
Strong Buy69
out of 100
Grade: B-
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+0.1%
Fair Value
$7.08
Current Price
$5.69
$1.39 discount
Margin of Safety
-191.4%
Fair Value
$10.68
Current Price
$26.31
$15.63 premium
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Growing faster than its price suggests
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 27.7%
Strong operational efficiency at 34.0%
Large-cap with strong market position
Keeps 28 of every $100 in revenue as profit
Growing faster than its price suggests
Attractively priced relative to earnings
Areas to Watch
Revenue declined 3.4%
Negative free cash flow — burning cash
3.0% revenue growth
Earnings declined 3.7%
Comparative Analysis Report
WallStSmart ResearchBull Case : BSBR
The strongest argument for BSBR centers on PEG Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.3% and operating margin at 27.7%. PEG of 0.42 suggests the stock is reasonably priced for its growth.
Bull Case : IBN
The strongest argument for IBN centers on Operating Margin, Market Cap, Profit Margin. Profitability is solid with margins at 27.5% and operating margin at 34.0%. PEG of 0.53 suggests the stock is reasonably priced for its growth.
Bear Case : BSBR
The primary concerns for BSBR are Revenue Growth, Free Cash Flow.
Bear Case : IBN
The primary concerns for IBN are Revenue Growth, EPS Growth.
Key Dynamics to Monitor
BSBR profiles as a declining stock while IBN is a value play — different risk/reward profiles.
BSBR carries more volatility with a beta of 0.28 — expect wider price swings.
IBN is growing revenue faster at 3.0% — sustainability is the question.
Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.
Bottom Line
BSBR scores higher overall (72/100 vs 69/100), backed by strong 30.3% margins. Both earn "Strong Buy" and "Strong Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Banco Santander Brasil SA ADR
FINANCIAL SERVICES · BANKS - REGIONAL · USA
Banco Santander (Brasil) SA offers various banking products and services to individuals, small and medium-sized companies and corporate clients in Brazil and internationally. The company is headquartered in So Paulo, Brazil.
ICICI Bank Limited
FINANCIAL SERVICES · BANKS - REGIONAL · USA
ICICI Bank Limited offers various banking products and financial services in India and internationally. The company is headquartered in Mumbai, India.
Visit Website →Compare with Other BANKS - REGIONAL Stocks
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