Banco do Estado do Rio Grande do Sul S.A.

$ 17.51 -1.96 %

Banco do Estado do Rio Grande do Sul S.A. operates as a full-service financial institution, delivering a broad spectrum of banking offerings primarily across Brazil, Miami, and the Grand Cayman. Its core services include various loan types such as payroll-deductible, general payroll, consumer, overdraft, real estate, and agricultural financing, in addition to debit and credit card issuance. The bank also facilitates international financial transactions, foreign exchange services, and provides a range of insurance products, including personal and property coverage, capitalization plans, and private pension programs. Furthermore, it performs duties as a financial agent. Founded in 1928 and headquartered in Porto Alegre, Brazil, the company maintains a substantial operational footprint with 497 branches, 138 service centers, and 427 electronic access points.

CEO: Fernando Guerreiro De Lemos - https://www.banrisul.com.br

Price objectif

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Recommandation

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DCF

$ 45.65

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BRSR3.SA vs S&P500

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Quick ratio

0.59

indicates that the company may have difficulty covering its short-term debts with its readily available assets.

P/E ratio

4.06

may indicate that the company is undervalued or has poor growth prospects.

EPS

4.31

is the net profit of a company divided by the number of outstanding shares, indicating the profit earned per share.

ROE

15.63 %

reflects reasonable profitability, showing good use of equity.

ROIC

1.07 %

does not generate enough return to cover its financing costs, which indicates value destruction and may pose long-term profitability issues.

WACC

73.46

is a company's average cost of capital, weighted by the proportion of debt and equity in its financing. It represents the minimum return the company must generate to satisfy its investors.

Debt-to-Equity Ratio

3.72

means it relies more on debt, which can increase financial risk.

Free cash flow per share

14.49

is a measure of a company's financial flexibility that is determined by dividing free cash flow by the total number of shares outstanding.

Dividend payout ratio

27.03 %

indicates that the company is retaining a large portion of its profits to reinvest in growth

Earnings per share

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Financials

Piotroski score
6 indicates moderate financial health
Altman score
0.15 indicates a high risk of bankruptcy
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Cash / Debt

Cash Ratio
0.59 indicates that the company has a moderate ability to cover its short-term debts with its cash
Debt Ratio
0.26 indicates that the company uses little debt to finance its assets, suggesting good financial stability
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Free Cash Flow

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Earnings Per Share (annual)

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Sales

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