` Comparison: SANB3, CPI - Alpha Spread

B
SANB3
vs
C
CPI

Over the past 12 months, SANB3 has outperformed CPI, delivering a return of +46% compared to the CPI's +33% growth.

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SANB3
CPI
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Stocks Compared:
SANB3 CPI
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Valuation Comparison

B
SANB3 Intrinsic Value
10.99 BRL
Overvaluation 34%
Intrinsic Value
Price
C
CPI Intrinsic Value
Not Available
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
B
Banco Santander Brasil SA
BOVESPA:SANB3
16.53 BRL
C
Capitec Bank Holdings Ltd
JSE:CPI
418 950 Zac
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Valuation Scenario:
Bear Case
Base Case
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Growth Comparison

Growth Over Time
SANB3, CPI

SANB3
CPI
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
B
Banco Santander Brasil SA
Revenue
C
Capitec Bank Holdings Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
SANB3, CPI

SANB3
CPI
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
B
Banco Santander Brasil SA
BOVESPA:SANB3
FCF is not applicable for financial companies
C
Capitec Bank Holdings Ltd
JSE:CPI
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

SANB3
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco Santander Brasil SA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Operating Margin

SANB3
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco Santander Brasil SA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Net Margin

SANB3
12.4%
CPI
24.6%

FCF Margin

SANB3
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco Santander Brasil SA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROE

SANB3
9.8%
CPI
30.7%

ROA

SANB3
1%
CPI
6.5%

ROIC

SANB3
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco Santander Brasil SA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

ROCE

SANB3
CPI
LTM 3Y Avg 5Y Avg 10Y Avg
B
Banco Santander Brasil SA
Not applicable for financial companies
C
Capitec Bank Holdings Ltd
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
SANB3, CPI

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CPI
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
SANB3, CPI

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SANB3
CPI
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
SANB3, CPI

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SANB3
CPI
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