Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Lloyds Banking Group plc or Banco Santander (Brasil) S.A. because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Lloyds Banking Group plc and Banco Santander (Brasil) S.A. compare based on key financial metrics to determine which better meets your investment needs.

About Lloyds Banking Group plc and Banco Santander (Brasil) S.A.

Lloyds Banking Group plc, together with its subsidiaries, provides a range of banking and financial products and services in the United Kingdom and internationally. The company operates through three segments: Retail; Commercial Banking; and Insurance, Pensions and Investments. The Retail segment offers a range of financial service products, including current accounts, savings, mortgages, motor finance, unsecured loans, and leasing solutions, as well as credit cards to personal customers. The Commercial Banking segment provides lending, transactional banking, working capital management, risk management, and debt financing services to small and medium businesses, corporates, and institutions. The Insurance, Pensions and Investments segment offers insurance, investment, and pension management products and services. It also provides digital banking services. The company offers its products and services under the Lloyds Bank, Halifax, Bank of Scotland, Scottish Widows, MBNA, Schroders Personal Wealth, Black Horse, Lex Autolease, Birmingham Midshires, LDC, AMC, Embark Group, Lloyds Living, IWeb, Cavendish Online, HGP, and Tusker brand names. Lloyds Banking Group plc was founded in 1695 and is based in London, the United Kingdom.

Banco Santander (Brasil) S.A., together with its subsidiaries, provides various banking products and services to individuals, small and medium enterprises, and corporate customers in Brazil and internationally. It operates in Commercial Banking and Global Wholesale Banking segments. The company offers payroll and real estate loans; home equity financing solutions; a microfinance program; consortiums; agribusiness portfolio, including credit, securities, and other products; and insurance products, such as life and personal accident, vehicle and property coverage, and credit insurance, as well as insurance for travel and banking transactions. It also provides local transaction banking products, which include local loans, commercial financing options, development bank funds, and cash management services; fund and financial advisory services for infrastructure projects, origination, and distribution of fixed income instruments in capital markets; financing for acquisitions; syndicated loans in local and foreign currency; and advisory services for mergers and acquisitions and equity transactions in capital markets; research and brokerage services for corporate, institutional, and individual investors in stocks and listed derivatives; and foreign exchange products, derivatives, and investments to institutional investors, corporate customers, and individuals. In addition, the company offers cash management for corporate customers and SMEs; advance programs for entrepreneurs; and deposits and other bank funding instruments. It provides financial products and services to its customers through multichannel distribution network comprising branches, mini-branches, ATMs, call centers, Internet banking, and mobile banking. The company was incorporated in 1985 and is headquartered in São Paulo, Brazil.

Latest Banks and Lloyds Banking Group plc, Banco Santander (Brasil) S.A. Stock News

As of December 12, 2025, Lloyds Banking Group plc had a $73.8 billion market capitalization, compared to the Banks median of $517.5 million. Lloyds Banking Group plc’s stock is up 85.3% in 2025, down 1.8% in the previous five trading days and up 87.36% in the past year.

Currently, Lloyds Banking Group plc’s price-earnings ratio is 66.3. Lloyds Banking Group plc’s trailing 12-month revenue is $24.1 billion with a 22.0% net profit margin. Year-over-year quarterly sales growth most recently was 6.2%. Analysts expect adjusted earnings to reach $0.432 per share for the current fiscal year. Lloyds Banking Group plc currently has a 2.6% dividend yield.

As of December 12, 2025, Banco Santander (Brasil) S.A. had a $22.1 billion market cap, putting it in the 88th percentile of all stocks. Banco Santander (Brasil) S.A.’s stock is up 51.4% in 2025, down 3% in the previous five trading days and up 38.97% in the past year.

Currently, Banco Santander (Brasil) S.A.’s price-earnings ratio is 7.9. Banco Santander (Brasil) S.A.’s trailing 12-month revenue is $9.3 billion with a 30.3% net profit margin. Year-over-year quarterly sales growth most recently was -1.3%. Analysts expect adjusted earnings to reach $0.741 per share for the current fiscal year. Banco Santander (Brasil) S.A. currently has a 6.7% dividend yield.

How We Compare Lloyds Banking Group plc and Banco Santander (Brasil) S.A. Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Lloyds Banking Group plc and Banco Santander (Brasil) S.A.’s stock grades to see how they measure up against one another.

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Lloyds Banking Group plc and Banco Santander (Brasil) S.A. Growth Grades

Company	Ticker	Growth
Lloyds Banking Group plc	LYG	F
Banco Santander (Brasil) S.A.	BSBR	F

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Lloyds Banking Group plc has a Growth Score of 13, which is Very Weak. Banco Santander (Brasil) S.A. has a Growth Score of 9, which is Very Weak.

The Growth Stock Winner: No Clear Winner

Neither Lloyds Banking Group plc or Banco Santander (Brasil) S.A. has a high enough Growth Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Lloyds Banking Group plc or Banco Santander (Brasil) S.A. is the better investment when it comes to sustainable growth.

Lloyds Banking Group plc and Banco Santander (Brasil) S.A.’s Momentum Grades

Company	Ticker	Momentum
Lloyds Banking Group plc	LYG	A
Banco Santander (Brasil) S.A.	BSBR	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Lloyds Banking Group plc has a Momentum Score of 85, which is Very Strong. Banco Santander (Brasil) S.A. has a Momentum Score of 74, which is Strong.

The Momentum Grade Winner: Lloyds Banking Group plc

As you can clearly see from the Momentum Grade breakdown above, Lloyds Banking Group plc is considered to have stronger momentum compared to Banco Santander (Brasil) S.A.. For those specifically looking for companies that have stronger momentum compared to other companies in the same industry, Lloyds Banking Group plc could be a good stock to invest in. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Lloyds Banking Group plc and Banco Santander (Brasil) S.A.’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Lloyds Banking Group plc	LYG	C
Banco Santander (Brasil) S.A.	BSBR	D

Earnings estimate revisions scores consider the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, positive surprises beget further positive surprises‐or at least continued sales growth (the exact opposite is generally true, too).

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Lloyds Banking Group plc has a Earnings Estimate Score of 51, which is Neutral. Banco Santander (Brasil) S.A. has a Earnings Estimate Score of 34, which is Negative.

The Earnings Estimate Revisions Stock Winner: No Clear Winner

Neither Lloyds Banking Group plc or Banco Santander (Brasil) S.A. has an Earnings Estimate Revisions Grade that could be considered a “winner.” Investors considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Lloyds Banking Group plc or Banco Santander (Brasil) S.A. is the better investment when it comes to estimate revisions.

Other Lloyds Banking Group plc and Banco Santander (Brasil) S.A. Grades

In addition to Estimate Revisions, Momentum and Growth, A+ Investor also provides grades for Value and Quality.

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection. Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Lloyds Banking Group plc and Banco Santander (Brasil) S.A. pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Lloyds Banking Group plc or Banco Santander (Brasil) S.A. Stock?

Overall, Lloyds Banking Group plc stock has a Growth Score of 13, Momentum Score of 85 and Estimate Revisions Score of 51.

Banco Santander (Brasil) S.A. stock has a Growth Score of 9, Momentum Score of 74 and Estimate Revisions Score of 34.

Comparing Lloyds Banking Group plc and Banco Santander (Brasil) S.A.’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.