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Banco do Estado do Rio Grande do Sul SA (BR:BRSR3)
:BRSR3
Brazil Market
BRSR3
Banco do Estado do Rio Grande do Sul SA
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Banco do Estado do Rio Grande do Sul SA (BRSR3) Ratios

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Banco do Estado do Rio Grande do Sul SA Ratios

BR:BRSR3's free cash flow for Q2 2026 was R$0.32. For the 2026 fiscal year, BR:BRSR3's free cash flow was decreased by R$ and operating cash flow was R$0.06. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.54 0.21 0.21 0.38 0.38
Quick Ratio
 0.54 0.21 0.21 0.38 0.38
Cash Ratio
 0.54 0.21 0.18 0.25 0.23
Solvency Ratio
 0.01 0.01 <0.01 0.01 0.01
Operating Cash Flow Ratio
 0.13 0.14 0.13 0.08 0.01
Short-Term Operating Cash Flow Coverage
 0.13 0.00 0.36 0.00 0.00
Net Current Asset Value
R$ -140.72BR$ -129.54BR$ -118.21BR$ -85.17BR$ -77.24B
Leverage Ratios
Debt-to-Assets Ratio
 0.28 0.07 0.26 0.04 0.04
Debt-to-Equity Ratio
 4.10 0.93 3.66 0.50 0.53
Debt-to-Capital Ratio
 0.80 0.48 0.79 0.33 0.35
Long-Term Debt-to-Capital Ratio
 0.49 0.48 0.42 0.33 0.35
Financial Leverage Ratio
 14.58 14.30 14.16 12.94 12.02
Debt Service Coverage Ratio
 0.04 0.12 0.04 >-0.01 0.15
Interest Coverage Ratio
 0.11 0.13 0.11 0.23 0.09
Debt to Market Cap
 6.52 1.56 8.38 1.02 1.43
Interest Debt Per Share
 159.56 63.73 119.78 36.96 32.58
Net Debt to EBITDA
 12.22 -5.34 12.12 0.00 -9.90
Profitability Margins
Gross Profit Margin
27.05%31.62%130.64%100.00%46.35%
EBIT Margin
7.54%8.48%21.17%-4.92%4.95%
EBITDA Margin
9.20%9.28%27.50%0.00%7.23%
Operating Profit Margin
7.54%8.48%19.26%31.46%4.95%
Pretax Profit Margin
7.54%8.48%11.78%16.08%4.95%
Net Profit Margin
6.50%7.22%11.25%11.55%4.61%
Continuous Operations Profit Margin
6.51%7.22%11.26%14.91%5.79%
Net Income Per EBT
86.29%85.13%95.57%71.82%93.12%
EBT Per EBIT
100.00%100.00%61.16%51.11%100.00%
Return on Assets (ROA)
0.95%1.05%0.49%0.70%0.63%
Return on Equity (ROE)
14.26%14.95%6.99%9.01%7.59%
Return on Capital Employed (ROCE)
1.40%3.62%2.17%5.10%1.75%
Return on Invested Capital (ROIC)
0.95%3.08%1.33%4.73%1.75%
Return on Tangible Assets
0.96%1.05%0.49%0.70%0.64%
Earnings Yield
22.08%24.95%15.26%18.22%20.49%
Efficiency Ratios
Receivables Turnover
 68.82 119.02 21.44 23.44 51.86
Payables Turnover
 14.44 13.00 8.92 0.00 5.60
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 26.71 24.76 6.91 12.53 29.80
Asset Turnover
 0.15 0.14 0.04 0.06 0.14
Working Capital Turnover Ratio
 -1.65 -0.30 -0.14 -0.17 -0.38
Cash Conversion Cycle
 -19.98 -25.02 -23.90 15.57 -58.10
Days of Sales Outstanding
 5.30 3.07 17.03 15.57 7.04
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 25.28 28.09 40.93 0.00 65.14
Operating Cycle
 5.30 3.07 17.03 15.57 7.04
Cash Flow Ratios
Operating Cash Flow Per Share
 12.21 36.91 28.67 14.82 2.06
Free Cash Flow Per Share
 11.54 36.20 28.24 14.04 1.52
CapEx Per Share
 0.66 0.71 0.43 0.78 0.54
Free Cash Flow to Operating Cash Flow
 0.95 0.98 0.98 0.95 0.74
Dividend Paid and CapEx Coverage Ratio
 6.01 46.17 20.11 18.06 3.57
Capital Expenditure Coverage Ratio
 18.38 51.87 66.56 18.89 3.81
Operating Cash Flow Coverage Ratio
 0.10 1.41 0.31 1.25 0.17
Operating Cash Flow to Sales Ratio
 0.20 0.64 1.81 0.80 0.05
Free Cash Flow Yield
63.49%215.48%242.36%120.09%17.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 4.53 4.01 6.55 5.49 4.88
Price-to-Sales (P/S) Ratio
 0.29 0.29 0.74 0.63 0.22
Price-to-Book (P/B) Ratio
 0.63 0.60 0.46 0.49 0.37
Price-to-Free Cash Flow (P/FCF) Ratio
 1.57 0.46 0.41 0.83 5.63
Price-to-Operating Cash Flow Ratio
 1.49 0.46 0.41 0.79 4.15
Price-to-Earnings Growth (PEG) Ratio
 0.06 0.03 -0.40 1.62 -0.44
Price-to-Fair Value
 0.63 0.60 0.46 0.49 0.37
Enterprise Value Multiple
 15.42 -2.22 14.80 0.00 -6.79
Enterprise Value
 35.81B -4.89B 26.29B -9.96B -7.61B
EV to EBITDA
 15.42 -2.22 14.80 0.00 -6.79
EV to Sales
 1.42 -0.21 4.07 -1.32 -0.49
EV to Free Cash Flow
 7.59 -0.33 2.28 -1.74 -12.28
EV to Operating Cash Flow
 7.17 -0.32 2.24 -1.64 -9.05
Tangible Book Value Per Share
 25.50 27.30 24.32 22.15 21.41
Shareholders’ Equity Per Share
 28.96 28.03 25.45 23.65 23.02
Tax and Other Ratios
Effective Tax Rate
 0.14 0.15 0.04 0.07 -0.17
Revenue Per Share
 61.72 58.04 15.80 18.44 37.93
Net Income Per Share
 4.01 4.19 1.78 2.13 1.75
Tax Burden
 0.86 0.85 0.96 0.72 0.93
Interest Burden
 1.00 1.00 0.56 -3.27 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.07 0.07 0.18 0.11 0.09
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 2.89 7.50 15.41 5.14 1.11
Currency in BRL