BSBR
Price
$5.41
Change
-$0.01 (-0.18%)
Updated
Jun 15, 04:59 PM (EDT)
Capitalization
20.01B
37 days until earnings call
Intraday BUY SELL Signals
INTR
Price
$5.83
Change
+$0.05 (+0.87%)
Updated
Jun 15, 04:59 PM (EDT)
Capitalization
2.55B
63 days until earnings call
Intraday BUY SELL Signals
NU
Price
$12.44
Change
+$0.25 (+2.05%)
Updated
Jun 15, 04:59 PM (EDT)
Capitalization
59.26B
64 days until earnings call
Intraday BUY SELL Signals
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BSBR or INTR or NU

Header iconBSBR vs INTR vs NU Comparison
Open Charts BSBR vs INTR vs NUBanner chart's image
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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

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COMPARISON
Comparison
Jun 15, 2026
Stock price -- (BSBR: $5.42INTR: $5.77NU: $12.19)
Brand notoriety: BSBR, INTR and NU are all not notable
The three companies represent the Regional Banks industry
Current volume relative to the 65-day Moving Average: BSBR: 158%, INTR: 36%, NU: 66%
Market capitalization -- BSBR: $20.01B, INTR: $2.55B, NU: $59.26B
$BSBR is valued at $20.01B, while INTR has a market capitalization of $2.55B, and NU's market capitalization is $59.26B. The market cap for tickers in this @Regional Banks ranges from $142.82B to $0. The average market capitalization across the @Regional Banks industry is $6.17B.

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.
According to our system of comparison, BSBR is a better buy in the long-term than INTR, which in turn is a better option than NU.

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 5 bullish TA indicator(s), and NU’s TA Score reflects 5 bullish TA indicator(s).

  • BSBR’s TA Score: 5 bullish, 5 bearish.
  • INTR’s TA Score: 5 bullish, 3 bearish.
  • NU’s TA Score: 5 bullish, 3 bearish.
According to our system of comparison, INTR and NU are a better buy in the short-term than BSBR.

Price Growth

BSBR (@Regional Banks) experienced а +3.44% price change this week, while INTR (@Regional Banks) price change was +1.76% , and NU (@Regional Banks) price fluctuated +1.84% for the same time period.

The average weekly price growth across all stocks in the @Regional Banks industry was +2.26%. For the same industry, the average monthly price growth was +6.97%, and the average quarterly price growth was +10.31%.

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 (+2.26% 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.

SUMMARIES
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FUNDAMENTALS
Fundamentals
NU($59.3B) has a higher market cap than BSBR($20B) and INTR($2.55B). NU has higher P/E ratio than BSBR and INTR: NU (18.80) vs BSBR (17.14) and INTR (9.37). BSBR YTD gains are higher at: -4.698 vs. NU (-27.180) and INTR (-31.095). NU has less debt than INTR and BSBR: NU (1.92B) vs INTR (15.8B) and BSBR (29.3B). BSBR has higher revenues than NU and INTR: BSBR (46.7B) vs NU (11.9B) and INTR (9B).
BSBRINTRNU
Capitalization20B2.55B59.3B
EBITDAN/AN/AN/A
Gain YTD-4.698-31.095-27.180
P/E Ratio17.149.3718.80
Revenue46.7B9B11.9B
Total CashN/AN/A1.21B
Total Debt29.3B15.8B1.92B
FUNDAMENTALS RATINGS
BSBR: Fundamental Ratings
BSBR
OUTLOOK RATING
1..100
19
VALUATION
overvalued / fair valued / undervalued
1..100
17
Undervalued
PROFIT vs RISK RATING
1..100
84
SMR RATING
1..100
3
PRICE GROWTH RATING
1..100
54
P/E GROWTH RATING
1..100
53
SEASONALITY SCORE
1..100
85

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.

TECHNICAL ANALYSIS
Technical Analysis
BSBRINTRNU
RSI
ODDS (%)
Bullish Trend 4 days ago
77%
Bullish Trend 4 days ago
72%
Bullish Trend 4 days ago
84%
Stochastic
ODDS (%)
Bullish Trend 4 days ago
63%
Bullish Trend 4 days ago
85%
Bullish Trend 4 days ago
84%
Momentum
ODDS (%)
Bearish Trend 4 days ago
72%
Bearish Trend 4 days ago
78%
Bearish Trend 4 days ago
70%
MACD
ODDS (%)
Bullish Trend 4 days ago
71%
Bullish Trend 4 days ago
90%
Bullish Trend 4 days ago
86%
TrendWeek
ODDS (%)
Bullish Trend 4 days ago
65%
Bullish Trend 4 days ago
81%
Bullish Trend 4 days ago
81%
TrendMonth
ODDS (%)
Bearish Trend 4 days ago
65%
Bearish Trend 4 days ago
74%
Bearish Trend 4 days ago
62%
Advances
ODDS (%)
Bullish Trend 4 days ago
66%
Bullish Trend 4 days ago
79%
Bullish Trend 4 days ago
77%
Declines
ODDS (%)
Bearish Trend 8 days ago
70%
Bearish Trend 8 days ago
75%
Bearish Trend 8 days ago
67%
BollingerBands
ODDS (%)
Bullish Trend 4 days ago
65%
Bullish Trend 8 days ago
90%
Bullish Trend 4 days ago
68%
Aroon
ODDS (%)
Bearish Trend 4 days ago
59%
Bearish Trend 4 days ago
75%
Bearish Trend 4 days ago
68%
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BSBR
Daily Signal:
Gain/Loss:
INTR
Daily Signal:
Gain/Loss:
NU
Daily Signal:
Gain/Loss:
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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.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To BSBR
1D Price
Change %
BSBR100%
+0.93%
BBD - BSBR
82%
Closely correlated
+1.74%
ITUB - BSBR
81%
Closely correlated
+1.01%
INTR - BSBR
70%
Closely correlated
+1.05%
BCH - BSBR
62%
Loosely correlated
+1.01%
BSAC - BSBR
62%
Loosely correlated
+0.28%
More

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.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To INTR
1D Price
Change %
INTR100%
+1.05%
BBD - INTR
71%
Closely correlated
+1.74%
BSBR - INTR
70%
Closely correlated
+0.93%
ITUB - INTR
67%
Closely correlated
+1.01%
NU - INTR
60%
Loosely correlated
+0.83%
BSAC - INTR
55%
Loosely correlated
+0.28%
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 60% 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.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To NU
1D Price
Change %
NU100%
+0.83%
BSBR - NU
60%
Loosely correlated
+0.93%
INTR - NU
60%
Loosely correlated
+1.05%
BBD - NU
58%
Loosely correlated
+1.74%
ITUB - NU
57%
Loosely correlated
+1.01%
BSAC - NU
54%
Loosely correlated
+0.28%
More