AFG vs. BSBR: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at AFG and BSBR, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Overview
BSBR’s market capitalization of 40.87 billion USD is significantly greater than AFG’s 10.64 billion USD, highlighting its more substantial market valuation.
AFG’s beta of 0.71 points to significantly higher volatility compared to BSBR (beta: 0.45), suggesting AFG has greater potential for both gains and losses relative to market movements.
BSBR is an American Depositary Receipt (ADR), allowing U.S. investors direct exposure to its non-U.S. operations. AFG, on the other hand, is a domestic entity.
| Symbol | AFG | BSBR |
|---|---|---|
| Company Name | American Financial Group, Inc. | Banco Santander (Brasil) S.A. |
| Country | US | BR |
| Sector | Financial Services | Financial Services |
| Industry | Insurance - Property & Casualty | Banks - Regional |
| CEO | Stephen Craig Lindner | Mario Roberto Opice Leao |
| Price | 127.43 USD | 5.47 USD |
| Market Cap | 10.64 billion USD | 40.87 billion USD |
| Beta | 0.71 | 0.45 |
| Exchange | NYSE | NYSE |
| IPO Date | March 17, 1980 | October 7, 2009 |
| ADR | No | Yes |
Historical Performance
This chart compares the performance of AFG and BSBR by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period.
Data is adjusted for dividends and splits.
Profitability
Return on Equity
AFG
17.81%
Insurance - Property & Casualty Industry
- Max
- 28.14%
- Q3
- 17.51%
- Median
- 12.75%
- Q1
- 8.26%
- Min
- 0.61%
In the upper quartile for the Insurance - Property & Casualty industry, AFG’s Return on Equity of 17.81% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
BSBR
11.28%
Banks - Regional Industry
- Max
- 19.20%
- Q3
- 11.87%
- Median
- 9.48%
- Q1
- 6.66%
- Min
- -0.15%
BSBR’s Return on Equity of 11.28% is on par with the norm for the Banks - Regional industry, indicating its profitability relative to shareholder equity is typical for the sector.
Return on Invested Capital
AFG
27.67%
Insurance - Property & Casualty Industry
- Max
- 21.89%
- Q3
- 10.09%
- Median
- 3.90%
- Q1
- 0.89%
- Min
- -7.26%
Return on Invested Capital is often not a primary measure of capital efficiency in the Insurance - Property & Casualty industry.
BSBR
1.96%
Banks - Regional Industry
- Max
- 13.33%
- Q3
- 7.16%
- Median
- 5.31%
- Q1
- 2.87%
- Min
- -3.49%
Return on Invested Capital is often not a primary measure of capital efficiency in the Banks - Regional industry.
Net Profit Margin
AFG
13.06%
Insurance - Property & Casualty Industry
- Max
- 21.98%
- Q3
- 13.09%
- Median
- 9.18%
- Q1
- 6.10%
- Min
- 2.13%
AFG’s Net Profit Margin of 13.06% is aligned with the median group of its peers in the Insurance - Property & Casualty industry. This indicates its ability to convert revenue into profit is typical for the sector.
BSBR
10.00%
Banks - Regional Industry
- Max
- 32.03%
- Q3
- 21.35%
- Median
- 16.99%
- Q1
- 12.69%
- Min
- 0.27%
Falling into the lower quartile for the Banks - Regional industry, BSBR’s Net Profit Margin of 10.00% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
Operating Profit Margin
AFG
14.02%
Insurance - Property & Casualty Industry
- Max
- 31.70%
- Q3
- 17.32%
- Median
- 12.57%
- Q1
- 7.38%
- Min
- 4.31%
AFG’s Operating Profit Margin of 14.02% is around the midpoint for the Insurance - Property & Casualty industry, indicating that its efficiency in managing core business operations is typical for the sector.
BSBR
14.45%
Banks - Regional Industry
- Max
- 40.01%
- Q3
- 26.24%
- Median
- 21.14%
- Q1
- 15.85%
- Min
- 1.50%
BSBR’s Operating Profit Margin of 14.45% is in the lower quartile for the Banks - Regional industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
Profitability at a Glance
| Symbol | AFG | BSBR |
|---|---|---|
| Return on Equity (TTM) | 17.81% | 11.28% |
| Return on Assets (TTM) | 2.64% | 1.07% |
| Return on Invested Capital (TTM) | 27.67% | 1.96% |
| Net Profit Margin (TTM) | 13.06% | 10.00% |
| Operating Profit Margin (TTM) | 14.02% | 14.45% |
| Gross Profit Margin (TTM) | 69.59% | 32.96% |
Financial Strength
Current Ratio
AFG
--
Insurance - Property & Casualty Industry
- Max
- 51.52
- Q3
- 30.84
- Median
- 20.50
- Q1
- 6.61
- Min
- 0.41
Current Ratio data for AFG is currently unavailable.
BSBR
0.49
Banks - Regional Industry
- Max
- 0.39
- Q3
- 0.22
- Median
- 0.15
- Q1
- 0.10
- Min
- 0.01
For the Banks - Regional industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio
AFG
0.34
Insurance - Property & Casualty Industry
- Max
- 0.58
- Q3
- 0.36
- Median
- 0.27
- Q1
- 0.14
- Min
- 0.01
AFG’s Debt-to-Equity Ratio of 0.34 is typical for the Insurance - Property & Casualty industry, indicating its use of leverage is in line with the sector norm. This suggests a balanced approach to its capital structure.
BSBR
1.24
Banks - Regional Industry
- Max
- 1.74
- Q3
- 0.81
- Median
- 0.42
- Q1
- 0.18
- Min
- 0.00
BSBR’s leverage is in the upper quartile of the Banks - Regional industry, with a Debt-to-Equity Ratio of 1.24. While this approach can boost equity growth, it also exposes the company to greater financial vulnerability.
Interest Coverage Ratio
AFG
11.29
Insurance - Property & Casualty Industry
- Max
- 39.40
- Q3
- 22.24
- Median
- 12.38
- Q1
- 6.68
- Min
- -12.40
AFG’s Interest Coverage Ratio of 11.29 is positioned comfortably within the norm for the Insurance - Property & Casualty industry, indicating a standard and healthy capacity to cover its interest payments.
BSBR
0.23
Banks - Regional Industry
- Max
- 1.58
- Q3
- 0.84
- Median
- 0.59
- Q1
- 0.35
- Min
- -0.35
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks - Regional industry.
Financial Strength at a Glance
| Symbol | AFG | BSBR |
|---|---|---|
| Current Ratio (TTM) | -- | 0.49 |
| Quick Ratio (TTM) | -- | 0.49 |
| Debt-to-Equity Ratio (TTM) | 0.34 | 1.24 |
| Debt-to-Asset Ratio (TTM) | 0.05 | 0.12 |
| Net Debt-to-EBITDA Ratio (TTM) | 0.31 | -3.57 |
| Interest Coverage Ratio (TTM) | 11.29 | 0.23 |
Growth
The following charts compare key year-over-year (YoY) growth metrics for AFG and BSBR. These metrics are based on the companies’ annual financial reports.
Revenue Growth
Earnings Per Share (EPS) Growth
Free Cash Flow Growth
Dividend
Dividend Yield
AFG
7.15%
Insurance - Property & Casualty Industry
- Max
- 8.17%
- Q3
- 3.10%
- Median
- 1.79%
- Q1
- 0.00%
- Min
- 0.00%
With a Dividend Yield of 7.15%, AFG offers a more attractive income stream than most of its peers in the Insurance - Property & Casualty industry, signaling a strong commitment to shareholder returns.
BSBR
11.65%
Banks - Regional Industry
- Max
- 11.72%
- Q3
- 4.07%
- Median
- 3.00%
- Q1
- 1.68%
- Min
- 0.00%
With a Dividend Yield of 11.65%, BSBR offers a more attractive income stream than most of its peers in the Banks - Regional industry, signaling a strong commitment to shareholder returns.
Dividend Payout Ratio
AFG
94.24%
Insurance - Property & Casualty Industry
- Max
- 115.20%
- Q3
- 35.27%
- Median
- 22.19%
- Q1
- 3.16%
- Min
- 0.00%
AFG’s Dividend Payout Ratio of 94.24% is in the upper quartile for the Insurance - Property & Casualty industry. This indicates a strong commitment to shareholder returns but also suggests that a smaller portion of earnings is retained for reinvestment compared to many peers.
BSBR
40.98%
Banks - Regional Industry
- Max
- 155.35%
- Q3
- 50.05%
- Median
- 34.14%
- Q1
- 18.61%
- Min
- 0.00%
BSBR’s Dividend Payout Ratio of 40.98% is within the typical range for the Banks - Regional industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | AFG | BSBR |
|---|---|---|
| Dividend Yield (TTM) | 7.15% | 11.65% |
| Dividend Payout Ratio (TTM) | 94.24% | 40.98% |
Valuation
Price-to-Earnings Ratio
AFG
13.36
Insurance - Property & Casualty Industry
- Max
- 35.83
- Q3
- 23.28
- Median
- 14.49
- Q1
- 11.91
- Min
- 4.47
AFG’s P/E Ratio of 13.36 is within the middle range for the Insurance - Property & Casualty industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
BSBR
16.30
Banks - Regional Industry
- Max
- 22.32
- Q3
- 15.38
- Median
- 12.31
- Q1
- 10.72
- Min
- 4.30
A P/E Ratio of 16.30 places BSBR in the upper quartile for the Banks - Regional industry. This high valuation relative to peers suggests the market holds elevated expectations for the company’s future growth.
Forward P/E to Growth Ratio
AFG
1.41
Insurance - Property & Casualty Industry
- Max
- 2.53
- Q3
- 1.90
- Median
- 1.33
- Q1
- 0.86
- Min
- 0.01
AFG’s Forward PEG Ratio of 1.41 is within the middle range of its peers in the Insurance - Property & Casualty industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
BSBR
1.29
Banks - Regional Industry
- Max
- 4.03
- Q3
- 2.13
- Median
- 1.25
- Q1
- 0.71
- Min
- 0.02
BSBR’s Forward PEG Ratio of 1.29 is within the middle range of its peers in the Banks - Regional industry. This suggests a reasonable balance between the stock’s price and its expected growth, aligning with sector valuation norms.
Price-to-Sales Ratio
AFG
1.74
Insurance - Property & Casualty Industry
- Max
- 3.76
- Q3
- 2.39
- Median
- 1.80
- Q1
- 1.01
- Min
- 0.50
The P/S Ratio is often not a primary valuation tool in the Insurance - Property & Casualty industry.
BSBR
1.03
Banks - Regional Industry
- Max
- 4.28
- Q3
- 2.76
- Median
- 2.17
- Q1
- 1.71
- Min
- 0.55
The P/S Ratio is often not a primary valuation tool in the Banks - Regional industry.
Price-to-Book Ratio
AFG
2.43
Insurance - Property & Casualty Industry
- Max
- 5.34
- Q3
- 2.95
- Median
- 1.92
- Q1
- 1.31
- Min
- 0.52
AFG’s P/B Ratio of 2.43 is within the conventional range for the Insurance - Property & Casualty industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
BSBR
1.81
Banks - Regional Industry
- Max
- 1.99
- Q3
- 1.35
- Median
- 1.09
- Q1
- 0.92
- Min
- 0.33
BSBR’s P/B Ratio of 1.81 is in the upper tier for the Banks - Regional industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | AFG | BSBR |
|---|---|---|
| Price-to-Earnings Ratio (P/E, TTM) | 13.36 | 16.30 |
| Forward PEG Ratio (TTM) | 1.41 | 1.29 |
| Price-to-Sales Ratio (P/S, TTM) | 1.74 | 1.03 |
| Price-to-Book Ratio (P/B, TTM) | 2.43 | 1.81 |
| Price-to-Free Cash Flow Ratio (P/FCF, TTM) | 7.47 | 4.43 |
| EV-to-EBITDA (TTM) | 16.68 | 2.66 |
| EV-to-Sales (TTM) | 1.77 | 0.44 |