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BSBR vs NU
Which Stock Would AI Choose? Banco Santander (Brasil) S.A. (BSBR) vs. Nu Holdings Ltd. (NU) Stock Comparison
Key Takeaways
- BSBR trades at a lower P/E ratio of 17.7 with a high dividend yield of 5.8%, appealing to value investors seeking stability in Brazilian banking.
- NU shows superior YTD performance at 17.6% versus BSBR's 3.9%, driven by rapid customer growth and digital expansion.
- Nu Holdings boasts higher ROE (return on equity, a measure of profitability relative to shareholders' equity) at 30.3% and quarterly revenue growth of 43.9%, outpacing BSBR's 24.7%.
- BSBR offers a larger market cap in traditional banking at $43.7B, while NU's $67.1B reflects fintech momentum but higher volatility.
- Recent developments favor NU with U.S. banking approval and international growth, contrasting BSBR's steady Q1 earnings.
- AI models highlight NU's growth catalysts amid shifting market sentiment toward digital platforms.
Introduction
This stock comparison examines BSBR and NU, two prominent players in Brazil's financial sector. BSBR, a traditional bank, provides comprehensive services through branches and digital channels, while NU, a fintech disruptor, focuses on mobile-first banking. Traders seeking relative performance insights and investors eyeing Brazilian exposure will find value here, particularly amid recent economic shifts influencing sentiment, growth trajectories, and market positioning in emerging markets.
BSBR Overview and Recent Performance
Banco Santander (Brasil) S.A. (BSBR) operates as a major commercial bank in Brazil, offering retail, corporate, and investment banking via an extensive branch network and digital platforms. In recent market activity, BSBR shares have traded around $5.83, within a 52-week range of $4.62 to $7.32. Year-to-date gains stand at 3.9%, with a one-year return of 21.8%. Q1 results showed revenue of 21.25B BRL and earnings of 3.79B BRL, reflecting 24.7% quarterly revenue growth (year-over-year) and 21.8% earnings growth. Sentiment remains supported by a strong dividend yield of 5.8% and analyst buy ratings, though broader economic pressures in Brazil have tempered momentum, keeping shares near the 200-day moving average.
NU Overview and Recent Performance
Nu Holdings Ltd. (NU) delivers digital banking services across Brazil, Mexico, and Colombia, emphasizing spending, saving, investing, borrowing, and protection via its app. Shares recently closed at $13.80, in a 52-week range of $11.71 to $18.98. YTD performance reaches 17.6%, though one-year return is 7.8%. Q4 FY25 revenue hit $4.69B with net income of $892M, underscoring 43.9% quarterly revenue growth and 61.5% earnings growth. Recent highlights include conditional U.S. banking approval and a new Chief Product Officer appointment. Mixed short-term sentiment arises from credit risks in expansion markets, yet robust ROE of 30.3% and customer additions bolster long-term positioning in recent weeks.
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Head-to-Head Comparison
BSBR and NU contrast sharply in business models: BSBR's established branch-heavy operations yield stable net interest income (NII, revenue from loans minus deposit costs) and dividends, while NU's app-centric approach drives hyper-growth via low-cost customer acquisition. Growth drivers favor NU with 44% revenue expansion versus BSBR's 25%, fueled by international pushes. Recent momentum tilts to NU's YTD outperformance, though BSBR shows lower volatility. Risk factors include Brazil's macro pressures for both, but NU faces higher unsecured lending exposure (NCO, net charge-offs on loans). Sector-wise, both tap financials, yet NU benefits from fintech sentiment shifts.
Tickeron AI Verdict
Tickeron’s AI currently favors NU due to stronger trend consistency in revenue growth, higher ROE, and catalysts like U.S. expansion amid favorable digital banking momentum. While BSBR offers stability and yield, NU's relative positioning suggests greater upside probability in growth-oriented scenarios, based on observable patterns in recent performance data.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is BSBR is a Hold and NU is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
BSBR’s FA Score shows that 2 FA rating(s) are green whileNU’s FA Score has 1 green FA rating(s).
- BSBR’s FA Score: 2 green, 3 red.
- NU’s FA Score: 1 green, 4 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
BSBR’s TA Score shows that 5 TA indicator(s) are bullish while NU’s TA Score has 5 bullish TA indicator(s).
- BSBR’s TA Score: 5 bullish, 3 bearish.
- NU’s TA Score: 5 bullish, 3 bearish.
Price Growth
BSBR (@Regional Banks) experienced а -2.77% price change this week, while NU (@Regional Banks) price change was -1.02% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.84%. For the same industry, the average monthly price growth was +6.22%, and the average quarterly price growth was +14.48%.
Reported Earning Dates
BSBR is expected to report earnings on Jul 22, 2026.
NU is expected to report earnings on Aug 18, 2026.
Industries' Descriptions
@Regional Banks (+2.84% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| BSBR | NU | BSBR / NU | |
| Capitalization | 19.6B | 61.2B | 32% |
| EBITDA | N/A | N/A | - |
| Gain YTD | -7.511 | -24.791 | 30% |
| P/E Ratio | 16.67 | 19.73 | 84% |
| Revenue | 46.7B | 11.9B | 392% |
| Total Cash | N/A | 1.21B | - |
| Total Debt | 29.3B | 1.92B | 1,528% |
BSBR | ||
|---|---|---|
OUTLOOK RATING 1..100 | 8 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 15 Undervalued | |
PROFIT vs RISK RATING 1..100 | 88 | |
SMR RATING 1..100 | 3 | |
PRICE GROWTH RATING 1..100 | 58 | |
P/E GROWTH RATING 1..100 | 54 | |
SEASONALITY SCORE 1..100 | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
| BSBR | NU | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 74% | 2 days ago 90% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 73% |
| Momentum ODDS (%) | 2 days ago 61% | 2 days ago 81% |
| MACD ODDS (%) | 2 days ago 59% | 2 days ago 86% |
| TrendWeek ODDS (%) | 2 days ago 69% | 2 days ago 81% |
| TrendMonth ODDS (%) | 2 days ago 65% | 2 days ago 63% |
| Advances ODDS (%) | 13 days ago 66% | 9 days ago 77% |
| Declines ODDS (%) | 7 days ago 70% | 17 days ago 67% |
| BollingerBands ODDS (%) | N/A | 2 days ago 90% |
| Aroon ODDS (%) | 2 days ago 61% | 2 days ago 65% |
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BSBR and
Correlation & Price change
A.I.dvisor indicates that over the last year, BSBR has been closely correlated with BBD. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if BSBR jumps, then BBD could also see price increases.
| Ticker / NAME | Correlation To BSBR | 1D Price Change % | ||
|---|---|---|---|---|
| BSBR | 100% | -0.94% | ||
| BBD - BSBR | 82% Closely correlated | N/A | ||
| ITUB - BSBR | 81% Closely correlated | +0.13% | ||
| INTR - BSBR | 69% Closely correlated | -0.93% | ||
| BCH - BSBR | 62% Loosely correlated | -2.20% | ||
| BSAC - BSBR | 62% Loosely correlated | -1.92% | ||
More | ||||
NU and
Correlation & Price change
A.I.dvisor indicates that over the last year, NU has been loosely correlated with BSBR. These tickers have moved in lockstep 59% of the time. This A.I.-generated data suggests there is some statistical probability that if NU jumps, then BSBR could also see price increases.