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

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

7.045  +0.09 (+1.32%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1SANX. 1SANX was compared to 94 industry peers in the Banks industry. 1SANX has a bad profitability rating. Also its financial health evaluation is rather negative. 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

In the past year 1SANX was profitable.
1SANX had a negative operating cash flow in the past year.
1SANX had positive earnings in 4 of the past 5 years.
Of the past 5 years 1SANX 4 years had a positive operating cash flow.
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

1SANX has a Return On Assets (0.68%) which is comparable to the rest of the industry.
1SANX has a Return On Equity of 12.75%. This is in the better half of the industry: 1SANX outperforms 64.89% 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: 62.77% of the companies in the same industry are doing better.
1SANX's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for 1SANX so they could not be analyzed.
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.
The number of shares outstanding for 1SANX has been reduced compared to 1 year ago.
1SANX has less shares outstanding than it did 5 years ago.
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.
Looking at the Debt to Equity ratio, with a value of 3.30, 1SANX is doing worse than 74.47% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.23%
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

The Earnings Per Share has grown by an impressive 20.90% over the past year.
1SANX shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.42% yearly.
The Revenue has been growing slightly by 7.01% in the past year.
The Revenue has been growing slightly by 3.17% on average over the past years.
EPS 1Y (TTM)20.9%
EPS 3Y20.14%
EPS 5Y16.42%
EPS Q2Q%23.53%
Revenue 1Y (TTM)7.01%
Revenue growth 3Y8.95%
Revenue growth 5Y3.17%
Sales Q2Q%3.27%

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 Year1.08%
Revenue Next 2Y1.77%
Revenue Next 3Y2.32%
Revenue Next 5Y-0.27%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
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 8.70.
Based on the Price/Earnings ratio, 1SANX is valued a bit cheaper than 63.83% of the companies in the same industry.
1SANX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.25.
With a Price/Forward Earnings ratio of 7.63, the valuation of 1SANX can be described as very cheap.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SANX indicates a rather cheap valuation: 1SANX is cheaper than 84.04% of the companies listed in the same industry.
1SANX is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.15, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 8.7
Fwd PE 7.63
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.91
PEG (5Y)0.53
EPS Next 2Y9.52%
EPS Next 3Y10.59%

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3

5. Dividend

5.1 Amount

1SANX has a Yearly Dividend Yield of 2.42%.
With a Dividend Yield of 2.42, 1SANX pays less dividend than the industry average, which is at 5.02. 88.30% 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 2.38.
Industry RankSector Rank
Dividend Yield 2.42%

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 (5/30/2025, 7:00:00 PM)

7.045

+0.09 (+1.32%)

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 Cap104.81B
Analysts81.38
Price Target6.88 (-2.34%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 2.42%
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)2.55%
PT rev (3m)10.69%
EPS NQ rev (1m)1.23%
EPS NQ rev (3m)16.48%
EPS NY rev (1m)0%
EPS NY rev (3m)3.92%
Revenue NQ rev (1m)-0.42%
Revenue NQ rev (3m)2.1%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE 8.7
Fwd PE 7.63
P/S 1.47
P/FCF N/A
P/OCF N/A
P/B 1.06
P/tB 1.32
EV/EBITDA N/A
EPS(TTM)0.81
EY11.5%
EPS(NY)0.92
Fwd EY13.11%
FCF(TTM)-2.34
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS4.78
BVpS6.63
TBVpS5.33
PEG (NY)0.91
PEG (5Y)0.53
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
WACC5.23%
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)20.9%
EPS 3Y20.14%
EPS 5Y16.42%
EPS Q2Q%23.53%
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%3.27%
Revenue Next Year1.08%
Revenue Next 2Y1.77%
Revenue Next 3Y2.32%
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