BSBR vs. EG: A Head-to-Head Stock Comparison

Updated on August 22, 2025

Here’s a clear look at BSBR and EG, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.

Company Profile

BSBR trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, EG is a standard domestic listing.

Symbol	BSBR	EG
Company Name	Banco Santander (Brasil) S.A.	Everest Group, Ltd.
Country	Brazil	Bermuda
GICS Sector	Financials	Financials
GICS Industry	Banks	Insurance
Market Capitalization	36.16 billion USD	14.41 billion USD
Exchange	NYSE	NYSE
Listing Date	October 7, 2009	October 3, 1995
Security Type	ADR	Common Stock

Historical Performance

This chart compares the performance of BSBR and EG 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.

BSBR vs. EG: Growth of a $10,000 investment over the past one year.

Historical Performance at a Glance

Symbol	BSBR	EG
5-Day Price Return	-2.49%	1.90%
13-Week Price Return	-12.94%	-1.17%
26-Week Price Return	0.08%	2.42%
52-Week Price Return	-11.40%	-9.30%
Month-to-Date Return	-0.32%	2.30%
Year-to-Date Return	10.71%	-5.23%
10-Day Avg. Volume	0.04M	0.26M
3-Month Avg. Volume	0.08M	0.38M
3-Month Volatility	24.02%	20.76%
Beta	1.15	0.49

Profitability

Return on Equity (TTM)

BSBR

9.76%

Banks Industry

Max: 26.37%
Q3: 15.92%
Median: 12.25%
Q1: 8.69%
Min: 0.15%

BSBR’s Return on Equity of 9.76% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.

EG

5.52%

Insurance Industry

Max: 29.03%
Q3: 18.11%
Median: 13.90%
Q1: 10.42%
Min: -0.64%

EG’s Return on Equity of 5.52% is in the lower quartile for the Insurance industry. This indicates a less efficient generation of profit from its equity base when compared to its competitors.

BSBR vs. EG: A comparison of their Return on Equity (TTM) against their respective Banks and Insurance industry benchmarks.

Net Profit Margin (TTM)

BSBR

Banks Industry

Max: 54.20%
Q3: 35.70%
Median: 28.97%
Q1: 22.53%
Min: 6.98%

Net Profit Margin data for BSBR is currently unavailable.

EG

4.56%

Insurance Industry

Max: 26.78%
Q3: 14.06%
Median: 9.15%
Q1: 5.48%
Min: -7.05%

Falling into the lower quartile for the Insurance industry, EG’s Net Profit Margin of 4.56% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.

BSBR vs. EG: A comparison of their Net Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Operating Profit Margin (TTM)

BSBR

Banks Industry

Max: 63.35%
Q3: 44.59%
Median: 37.24%
Q1: 28.25%
Min: 13.37%

Operating Profit Margin data for BSBR is currently unavailable.

EG

5.85%

Insurance Industry

Max: 35.49%
Q3: 19.49%
Median: 14.35%
Q1: 8.53%
Min: -5.25%

In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.

BSBR vs. EG: A comparison of their Operating Profit Margin (TTM) against their respective Banks and Insurance industry benchmarks.

Profitability at a Glance

Symbol	BSBR	EG
Return on Equity (TTM)	9.76%	5.52%
Return on Assets (TTM)	0.95%	1.39%
Net Profit Margin (TTM)	--	4.56%
Operating Profit Margin (TTM)	--	5.85%
Gross Profit Margin (TTM)	--	--

Financial Strength

Current Ratio (MRQ)

BSBR

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

EG

1.19

Insurance Industry

Max: 2.97
Q3: 1.33
Median: 0.55
Q1: 0.15
Min: 0.00

For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.

BSBR vs. EG: A comparison of their Current Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Debt-to-Equity Ratio (MRQ)

BSBR

2.66

Banks Industry

Max: 4.75
Q3: 2.62
Median: 1.02
Q1: 0.39
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.

EG

0.24

Insurance Industry

Max: 1.25
Q3: 0.65
Median: 0.34
Q1: 0.22
Min: 0.00

The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.

BSBR vs. EG: A comparison of their Debt-to-Equity Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Interest Coverage Ratio (TTM)

BSBR

Banks Industry

Max: --
Q3: --
Median: --
Q1: --
Min: --

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.

EG

10.95

Insurance Industry

Max: 43.68
Q3: 20.84
Median: 9.56
Q1: 3.34
Min: -5.73

The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.

BSBR vs. EG: A comparison of their Interest Coverage Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Financial Strength at a Glance

Symbol	BSBR	EG
Current Ratio (MRQ)	--	1.19
Quick Ratio (MRQ)	--	0.56
Debt-to-Equity Ratio (MRQ)	2.66	0.24
Interest Coverage Ratio (TTM)	--	10.95

Growth

Revenue Growth

BSBR vs. EG: A side-by-side comparison of their Revenue Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

EPS Growth

BSBR vs. EG: A side-by-side comparison of their EPS Growth for the MRQ (YoY), TTM (YoY), 3-Year CAGR, and 5-Year CAGR periods.

Dividend

Dividend Yield (TTM)

BSBR

6.82%

Banks Industry

Max: 10.27%
Q3: 5.83%
Median: 3.81%
Q1: 2.50%
Min: 0.00%

With a Dividend Yield of 6.82%, BSBR offers a more attractive income stream than most of its peers in the Banks industry, signaling a strong commitment to shareholder returns.

EG

2.39%

Insurance Industry

Max: 8.23%
Q3: 4.54%
Median: 3.42%
Q1: 1.97%
Min: 0.00%

EG’s Dividend Yield of 2.39% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.

BSBR vs. EG: A comparison of their Dividend Yield (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend Payout Ratio (TTM)

BSBR

56.54%

Banks Industry

Max: 147.07%
Q3: 80.55%
Median: 54.40%
Q1: 35.71%
Min: 0.00%

BSBR’s Dividend Payout Ratio of 56.54% is within the typical range for the Banks industry, suggesting a balanced approach between shareholder payouts and company reinvestment.

EG

18.24%

Insurance Industry

Max: 168.02%
Q3: 85.57%
Median: 50.71%
Q1: 22.04%
Min: 0.00%

EG’s Dividend Payout Ratio of 18.24% is in the lower quartile for the Insurance industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.

BSBR vs. EG: A comparison of their Dividend Payout Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Dividend at a Glance

Symbol	BSBR	EG
Dividend Yield (TTM)	6.82%	2.39%
Dividend Payout Ratio (TTM)	56.54%	18.24%

Valuation

Price-to-Earnings Ratio (TTM)

BSBR

8.29

Banks Industry

Max: 20.05
Q3: 12.65
Median: 10.21
Q1: 7.54
Min: 2.74

BSBR’s P/E Ratio of 8.29 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.

EG

17.65

Insurance Industry

Max: 28.91
Q3: 17.76
Median: 13.63
Q1: 10.02
Min: 2.89

EG’s P/E Ratio of 17.65 is within the middle range for the Insurance 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 vs. EG: A comparison of their Price-to-Earnings Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Sales Ratio (TTM)

BSBR

Banks Industry

Max: 5.06
Q3: 2.98
Median: 2.24
Q1: 1.59
Min: 0.45

The P/S Ratio is often not a primary valuation tool in the Banks industry.

EG

0.80

Insurance Industry

Max: 3.72
Q3: 1.98
Median: 1.23
Q1: 0.81
Min: 0.23

In the lower quartile for the Insurance industry, EG’s P/S Ratio of 0.80 indicates its revenue is valued more conservatively than most of its peers. This could present a compelling opportunity if the market has overlooked its sales-generating capabilities.

BSBR vs. EG: A comparison of their Price-to-Sales Ratio (TTM) against their respective Banks and Insurance industry benchmarks.

Price-to-Book Ratio (MRQ)

BSBR

0.90

Banks Industry

Max: 2.18
Q3: 1.36
Median: 1.09
Q1: 0.81
Min: 0.20

BSBR’s P/B Ratio of 0.90 is within the conventional range for the Banks 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.

EG

0.96

Insurance Industry

Max: 4.37
Q3: 2.48
Median: 1.68
Q1: 1.19
Min: 0.19

EG’s P/B Ratio of 0.96 is in the lower quartile for the Insurance industry. From a value investing perspective, this is favorable, as it suggests the stock is trading at a discount to its net asset value and may offer a greater margin of safety.

BSBR vs. EG: A comparison of their Price-to-Book Ratio (MRQ) against their respective Banks and Insurance industry benchmarks.

Valuation at a Glance

Symbol	BSBR	EG
Price-to-Earnings Ratio (TTM)	8.29	17.65
Price-to-Sales Ratio (TTM)	--	0.80
Price-to-Book Ratio (MRQ)	0.90	0.96
Price-to-Free Cash Flow Ratio (TTM)	1.32	3.14