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BSBR or INTR or NU
Which Stock Would AI Choose? Banco Santander (Brasil) S.A. (BSBR) vs. Inter & Co, Inc. (INTR) vs. Nu Holdings Ltd. (NU) Stock Comparison
Key Takeaways
- BSBR offers stability with a high dividend yield of 5.81% and positive YTD return of 3.85%, supported by Q1 2026 revenue beats despite profit pressures.
- INTR demonstrates strong growth, with Q1 2026 net income up 37.8% YoY to R$395 million and client base surpassing 44 million, though shares face recent volatility.
- NU leads in scale with a $67B market cap and robust three-year gains of 133%, backed by consistent profitability and expansion in Latin America.
- All three Brazilian financials show resilience amid market shifts, with INTR at the lowest P/E of 10.80, BSBR at 17.67, and NU at 23.39.
- Recent momentum favors digital players like INTR and NU over traditional BSBR, driven by client acquisition and fee income growth.
- Analyst targets suggest upside: BSBR to $7.06, INTR to $10.31, NU to $19.87.
Introduction
This stock comparison evaluates BSBR, INTR, and NU, three prominent Brazilian financial institutions listed on U.S. exchanges. BSBR represents a traditional banking giant, while INTR and NU are digital-first challengers capturing market share through technology. Investors seeking exposure to Brazil's evolving financial sector—balancing stability, growth, and dividends—will find value in analyzing their relative performance, recent earnings, and market positioning amid economic volatility and rising digital adoption.
BSBR Overview and Recent Performance
Banco Santander (Brasil) S.A. (BSBR) is a major Brazilian bank offering retail, commercial, and wholesale services, with a strong physical branch network. In recent market activity, its shares traded around $5.83, within a 52-week range of $4.62–$7.32, reflecting resilience amid Brazil's high interest rates. Q1 2026 results showed revenue of R$21.2 billion, up 0.9% YoY and beating estimates, driven by net interest income (NII, interest earned minus interest paid) growth of 3.1% QoQ. However, net profit dipped 1.9% YoY to R$3.8 billion due to higher tax expenses and provisions for loan losses, yielding a 16% return on equity (ROE, measure of profitability relative to shareholders' equity). Sentiment remains supported by a 5.81% dividend yield and analyst upgrades, positioning BSBR as a defensive play in the sector.
INTR Overview and Recent Performance
Inter & Co, Inc. (INTR) operates a digital banking platform with integrated payments, investments, and insurance brokerage. Shares recently hovered at $6.48, in a 52-week range of $6.40–$10.36, with YTD gains of 22.62% but recent pullbacks post-earnings. Q1 2026 marked record results: net income rose 37.8% YoY to R$395 million (15.5% ROE), revenues climbed 32.8% to R$2.4 billion, and the loan book hit R$50 billion amid 44 million clients. Efficiency improved to 43.8%, fueled by AI-powered super app enhancements and payroll loan expansion. Despite non-performing loan concerns, strong NIM (net interest margin, a profitability gauge for lending) of 9.54% and analyst buys bolster sentiment, highlighting INTR's growth trajectory in fintech.
NU Overview and Recent Performance
Nu Holdings Ltd. (NU), known as Nubank, is Latin America's largest digital bank, serving over 100 million customers with no-fee accounts, cards, and loans across Brazil, Mexico, and Colombia. Trading near $13.80 in a 52-week range of $11.71–$18.98, it posted YTD returns of 17.56% but recent consolidation. Prior quarter (Q4 2025) delivered record $4.9 billion revenue and $895 million net income, with efficiency at 28% and 33% ROE. Ongoing expansions, including potential U.S. entry and Mexico growth, drive sentiment, supported by a $67 billion market cap and strong analyst targets. NU's scale and profitability solidify its leadership in digital banking disruption.
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Head-to-Head Comparison
BSBR's traditional model emphasizes branch-based retail and corporate lending, with steady NII but higher operating costs versus digital peers. Growth drivers include fee income from cards (up 9.8% in Q1), yet it trails in client acquisition. INTR and NU excel in fintech scalability, boasting lower customer acquisition costs and ecosystems blending banking with investments/insurance. Recent momentum favors INTR (37% net income growth) and NU (prior record profits), contrasting BSBR's modest gains. Risk factors: BSBR faces less digital disruption but macro sensitivity (high Selic rates); INTR/ NU contend with credit risk in unsecured loans. Valuation-wise, INTR's low P/E signals value, NU trades on growth premium, and BSBR offers yield. Sentiment leans toward digital transformation.
Tickeron AI Verdict
Tickeron's AI currently favors INTR for its compelling blend of accelerating profitability (Q1 ROE 15.5%), attractive valuation (P/E 10.80), and outperformance in client growth versus peers. While NU dominates scale and BSBR provides stability, INTR's trend consistency and catalysts like AI integration position it probabilistically stronger in the near term amid fintech momentum.
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
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 whileINTR’s FA Score has 2 green FA rating(s), and NU’s FA Score reflects 1 green FA rating(s).
- BSBR’s FA Score: 2 green, 3 red.
- INTR’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 INTR’s TA Score has 4 bullish TA indicator(s), and NU’s TA Score reflects 5 bullish TA indicator(s).
- BSBR’s TA Score: 5 bullish, 3 bearish.
- INTR’s TA Score: 4 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 INTR (@Regional Banks) price change was -7.45% , and NU (@Regional Banks) price fluctuated -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.
INTR is expected to report earnings on Aug 17, 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 | INTR | NU | |
| Capitalization | 19.4B | 2.33B | 60.6B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | -7.511 | -36.230 | -24.791 |
| P/E Ratio | 16.67 | 8.67 | 19.73 |
| Revenue | 46.7B | 9B | 11.9B |
| Total Cash | N/A | N/A | 1.21B |
| Total Debt | 29.3B | 15.8B | 1.92B |
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 | INTR | NU | |
|---|---|---|---|
| RSI ODDS (%) | 2 days ago 74% | 2 days ago 70% | 2 days ago 90% |
| Stochastic ODDS (%) | 2 days ago 64% | 2 days ago 82% | 2 days ago 73% |
| Momentum ODDS (%) | 2 days ago 61% | 2 days ago 83% | 2 days ago 81% |
| MACD ODDS (%) | 2 days ago 59% | 2 days ago 80% | 2 days ago 86% |
| TrendWeek ODDS (%) | 2 days ago 69% | 2 days ago 75% | 2 days ago 81% |
| TrendMonth ODDS (%) | 2 days ago 65% | 2 days ago 75% | 2 days ago 63% |
| Advances ODDS (%) | 13 days ago 66% | 10 days ago 79% | 9 days ago 77% |
| Declines ODDS (%) | 7 days ago 70% | 2 days ago 76% | 17 days ago 67% |
| BollingerBands ODDS (%) | N/A | N/A | 2 days ago 90% |
| Aroon ODDS (%) | 2 days ago 61% | 2 days ago 73% | 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% | ||
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INTR and
Correlation & Price change
A.I.dvisor indicates that over the last year, INTR has been closely correlated with BBD. These tickers have moved in lockstep 71% of the time. This A.I.-generated data suggests there is a high statistical probability that if INTR jumps, then BBD could also see price increases.
| Ticker / NAME | Correlation To INTR | 1D Price Change % | ||
|---|---|---|---|---|
| INTR | 100% | -0.93% | ||
| BBD - INTR | 71% Closely correlated | N/A | ||
| BSBR - INTR | 69% Closely correlated | -0.94% | ||
| ITUB - INTR | 67% Closely correlated | +0.13% | ||
| NU - INTR | 59% Loosely correlated | -1.56% | ||
| BSAC - INTR | 55% Loosely correlated | -1.92% | ||
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