WallStSmart

Banco Santander Brasil SA ADR (BSBR)vsMizuho Financial Group Inc. (MFG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Mizuho Financial Group Inc. generates 9716% more annual revenue ($4.74T vs $48.29B). MFG leads profitability with a 29.1% profit margin vs 28.7%. BSBR appears more attractively valued with a PEG of 0.42. BSBR earns a higher WallStSmart Score of 84/100 (A-).

BSBR

Exceptional Buy

84

out of 100

Grade: A-

Growth: 8.7Profit: 8.0Value: 7.7Quality: 3.0
Piotroski: 2/9Altman Z: -0.20

MFG

Exceptional Buy

82

out of 100

Grade: A-

Growth: 10.0Profit: 7.5Value: 5.7Quality: 4.0
Piotroski: 6/9Altman Z: 0.29

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

BSBR6 strengths · Avg: 9.7/10
PEG RatioValuation
0.4210/10

Growing faster than its price suggests

Price/BookValuation
0.5x10/10

Reasonable price relative to book value

Operating MarginProfitability
33.2%10/10

Strong operational efficiency at 33.2%

Free Cash FlowQuality
$16.10B10/10

Generating 16.1B in free cash flow

Return on EquityProfitability
23.6%9/10

Every $100 of equity generates 24 in profit

Profit MarginProfitability
28.7%9/10

Keeps 29 of every $100 in revenue as profit

MFG6 strengths · Avg: 9.0/10
Operating MarginProfitability
46.7%10/10

Strong operational efficiency at 46.7%

Revenue GrowthGrowth
35.0%10/10

Revenue surging 35.0% year-over-year

Market CapQuality
$136.43B9/10

Large-cap with strong market position

Profit MarginProfitability
29.1%9/10

Keeps 29 of every $100 in revenue as profit

P/E RatioValuation
15.8x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

BSBR3 concerns · Avg: 2.7/10
Debt/EquityHealth
1.173/10

Elevated debt levels

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

Altman Z-ScoreHealth
-0.202/10

Distress zone — elevated risk

MFG3 concerns · Avg: 2.3/10
PEG RatioValuation
1.704/10

Expensive relative to growth rate

Altman Z-ScoreHealth
0.292/10

Distress zone — elevated risk

Debt/EquityHealth
5.911/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : BSBR

The strongest argument for BSBR centers on PEG Ratio, Price/Book, Operating Margin. Profitability is solid with margins at 28.7% and operating margin at 33.2%. Revenue growth of 28.8% demonstrates continued momentum.

Bull Case : MFG

The strongest argument for MFG centers on Operating Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 29.1% and operating margin at 46.7%. Revenue growth of 35.0% demonstrates continued momentum.

Bear Case : BSBR

The primary concerns for BSBR are Debt/Equity, Piotroski F-Score, Altman Z-Score.

Bear Case : MFG

The primary concerns for MFG are PEG Ratio, Altman Z-Score, Debt/Equity. Debt-to-equity of 5.91 is elevated, increasing financial risk.

Key Dynamics to Monitor

MFG carries more volatility with a beta of 0.39 — expect wider price swings.

MFG is growing revenue faster at 35.0% — sustainability is the question.

Monitor BANKS - REGIONAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

BSBR scores higher overall (84/100 vs 82/100), backed by strong 28.7% margins and 28.8% revenue growth. Both earn "Exceptional Buy" and "Exceptional Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Banco Santander Brasil SA ADR

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Banco Santander (Brasil) SA offers various banking products and services to individuals, small and medium-sized companies and corporate clients in Brazil and internationally. The company is headquartered in So Paulo, Brazil.

Mizuho Financial Group Inc.

FINANCIAL SERVICES · BANKS - REGIONAL · USA

Mizuho Financial Group, Inc. engages in banking, trusts, securities and other businesses related to financial services in Japan, America, Europe, Asia / Oceania and internationally. The company is headquartered in Tokyo, Japan.

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