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BANCO SANTANDER SA (1SANX.MI) Stock Fundamental Analysis

BIT:1SANX - Euronext Milan - ES0113900J37 - Common Stock - Currency: EUR

6.396  +0.43 (+7.26%)

Fundamental Rating

3

Taking everything into account, 1SANX scores 3 out of 10 in our fundamental rating. 1SANX was compared to 97 industry peers in the Banks industry. 1SANX may be in some trouble as it scores bad on both profitability and health. 1SANX has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

1SANX had positive earnings in the past year.
1SANX had a negative operating cash flow in the past year.
Of the past 5 years 1SANX 4 years were profitable.
1SANX had a positive operating cash flow in 4 of the past 5 years.
1SANX.MI Yearly Net Income VS EBIT VS OCF VS FCF1SANX.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B 60B

1.2 Ratios

Looking at the Return On Assets, with a value of 0.68%, 1SANX is in line with its industry, outperforming 49.48% of the companies in the same industry.
1SANX's Return On Equity of 12.75% is fine compared to the rest of the industry. 1SANX outperforms 61.86% of its industry peers.
Industry RankSector Rank
ROA 0.68%
ROE 12.75%
ROIC N/A
ROA(3y)0.62%
ROA(5y)0.36%
ROE(3y)11.71%
ROE(5y)6.74%
ROIC(3y)N/A
ROIC(5y)N/A
1SANX.MI Yearly ROA, ROE, ROIC1SANX.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 5 -5 10 -10

1.3 Margins

With a Profit Margin value of 17.68%, 1SANX is not doing good in the industry: 63.92% of the companies in the same industry are doing better.
1SANX's Profit Margin has improved in the last couple of years.
1SANX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 17.68%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.17%
PM growth 5Y10.55%
GM growth 3YN/A
GM growth 5YN/A
1SANX.MI Yearly Profit, Operating, Gross Margins1SANX.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 10 -10

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1

2. Health

2.1 Basic Checks

1SANX does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, 1SANX has less shares outstanding
Compared to 5 years ago, 1SANX has less shares outstanding
1SANX has a worse debt/assets ratio than last year.
1SANX.MI Yearly Shares Outstanding1SANX.MI Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5B 10B 15B
1SANX.MI Yearly Total Debt VS Total Assets1SANX.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500B 1T 1.5T

2.2 Solvency

1SANX has a Debt/Equity ratio of 3.30. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.30, 1SANX is not doing good in the industry: 74.23% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.25%
1SANX.MI Yearly LT Debt VS Equity VS FCF1SANX.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100B 200B 300B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
1SANX.MI Yearly Current Assets VS Current Liabilites1SANX.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1B 2B 3B

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3

3. Growth

3.1 Past

1SANX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.45%, which is quite good.
The Earnings Per Share has been growing by 16.42% on average over the past years. This is quite good.
1SANX shows a small growth in Revenue. In the last year, the Revenue has grown by 7.01%.
Measured over the past years, 1SANX shows a small growth in Revenue. The Revenue has been growing by 3.17% on average per year.
EPS 1Y (TTM)18.45%
EPS 3Y20.14%
EPS 5Y16.42%
EPS Q2Q%13.88%
Revenue 1Y (TTM)7.01%
Revenue growth 3Y8.95%
Revenue growth 5Y3.17%
Sales Q2Q%-4.4%

3.2 Future

The Earnings Per Share is expected to grow by 1.39% on average over the next years.
The Revenue is expected to decrease by -0.27% on average over the next years.
EPS Next Y9.57%
EPS Next 2Y9.52%
EPS Next 3Y10.59%
EPS Next 5Y1.39%
Revenue Next Year1.21%
Revenue Next 2Y1.85%
Revenue Next 3Y2.28%
Revenue Next 5Y-0.27%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
1SANX.MI Yearly Revenue VS Estimates1SANX.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
1SANX.MI Yearly EPS VS Estimates1SANX.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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5

4. Valuation

4.1 Price/Earnings Ratio

1SANX is valuated reasonably with a Price/Earnings ratio of 8.10.
1SANX's Price/Earnings ratio is a bit cheaper when compared to the industry. 1SANX is cheaper than 68.04% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 28.22. 1SANX is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 6.92, which indicates a rather cheap valuation of 1SANX.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SANX indicates a rather cheap valuation: 1SANX is cheaper than 91.75% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.86. 1SANX is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 8.1
Fwd PE 6.92
1SANX.MI Price Earnings VS Forward Price Earnings1SANX.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
1SANX.MI Per share data1SANX.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 6

4.3 Compensation for Growth

1SANX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.85
PEG (5Y)0.49
EPS Next 2Y9.52%
EPS Next 3Y10.59%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.75%, 1SANX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.36, 1SANX's dividend is way lower than its industry peers. On top of this 86.60% of the companies listed in the same industry pay a better dividend than 1SANX!
1SANX's Dividend Yield is comparable with the S&P500 average which is at 2.44.
Industry RankSector Rank
Dividend Yield 2.75%

5.2 History

The dividend of 1SANX decreases each year by -2.45%.
Dividend Growth(5Y)-2.45%
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

1SANX pays out 23.99% of its income as dividend. This is a sustainable payout ratio.
DP23.99%
EPS Next 2Y9.52%
EPS Next 3Y10.59%
1SANX.MI Yearly Income VS Free CF VS Dividend1SANX.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20B -20B 40B
1SANX.MI Dividend Payout.1SANX.MI Dividend Payout, showing the Payout Ratio.1SANX.MI Dividend Payout.PayoutRetained Earnings

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BANCO SANTANDER SA

BIT:1SANX (4/25/2025, 7:00:00 PM)

6.396

+0.43 (+7.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-30 2025-04-30/bmo
Earnings (Next)07-30 2025-07-30
Inst Owners32.51%
Inst Owner ChangeN/A
Ins Owners1.5%
Ins Owner ChangeN/A
Market Cap95.38B
Analysts81.38
Price Target6.71 (4.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.75%
Yearly Dividend0.19
Dividend Growth(5Y)-2.45%
DP23.99%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)21.36%
Min EPS beat(2)-0.99%
Max EPS beat(2)43.7%
EPS beat(4)2
Avg EPS beat(4)10.17%
Min EPS beat(4)-5.17%
Max EPS beat(4)43.7%
EPS beat(8)5
Avg EPS beat(8)7.54%
EPS beat(12)9
Avg EPS beat(12)6.29%
EPS beat(16)12
Avg EPS beat(16)5.18%
Revenue beat(2)1
Avg Revenue beat(2)0.28%
Min Revenue beat(2)-2.51%
Max Revenue beat(2)3.06%
Revenue beat(4)2
Avg Revenue beat(4)-0.03%
Min Revenue beat(4)-2.51%
Max Revenue beat(4)3.06%
Revenue beat(8)4
Avg Revenue beat(8)2.26%
Revenue beat(12)8
Avg Revenue beat(12)11.58%
Revenue beat(16)12
Avg Revenue beat(16)15.07%
PT rev (1m)2.24%
PT rev (3m)15.01%
EPS NQ rev (1m)2.96%
EPS NQ rev (3m)15.06%
EPS NY rev (1m)0.37%
EPS NY rev (3m)6.99%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)2.6%
Revenue NY rev (1m)0.27%
Revenue NY rev (3m)0.64%
Valuation
Industry RankSector Rank
PE 8.1
Fwd PE 6.92
P/S 1.34
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 1.2
EV/EBITDA N/A
EPS(TTM)0.79
EY12.35%
EPS(NY)0.92
Fwd EY14.44%
FCF(TTM)-2.33
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS4.77
BVpS6.61
TBVpS5.32
PEG (NY)0.85
PEG (5Y)0.49
Profitability
Industry RankSector Rank
ROA 0.68%
ROE 12.75%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 17.68%
GM N/A
FCFM N/A
ROA(3y)0.62%
ROA(5y)0.36%
ROE(3y)11.71%
ROE(5y)6.74%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.17%
PM growth 5Y10.55%
GM growth 3YN/A
GM growth 5YN/A
F-Score6
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 3.3
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 321.74%
Cap/Sales 14.9%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score6
WACC5.25%
ROIC/WACCN/A
Cap/Depr(3y)371.12%
Cap/Depr(5y)366.07%
Cap/Sales(3y)17.82%
Cap/Sales(5y)18.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)18.45%
EPS 3Y20.14%
EPS 5Y16.42%
EPS Q2Q%13.88%
EPS Next Y9.57%
EPS Next 2Y9.52%
EPS Next 3Y10.59%
EPS Next 5Y1.39%
Revenue 1Y (TTM)7.01%
Revenue growth 3Y8.95%
Revenue growth 5Y3.17%
Sales Q2Q%-4.4%
Revenue Next Year1.21%
Revenue Next 2Y1.85%
Revenue Next 3Y2.28%
Revenue Next 5Y-0.27%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-302.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-581.65%
OCF growth 3YN/A
OCF growth 5YN/A