BANCO SANTANDER SA (1SANX.MI) Stock Fundamental Analysis
Europe - BIT:1SANX - ES0113900J37 - Common Stock
8.493 EUR
+0.11 (+1.31%)
Overall 1SANX gets a fundamental rating of 3 out of 10. We evaluated 1SANX against 95 industry peers in the Banks industry. 1SANX may be in some trouble as it scores bad on both profitability and health. 1SANX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
1SANX had positive earnings in the past year.
1SANX had positive earnings in 4 of the past 5 years.
1SANX had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.74%, 1SANX perfoms like the industry average, outperforming 51.58% of the companies in the same industry.
1SANX has a better Return On Equity (13.46%) than 68.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 13.46% | ||
| 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
1.3 Margins
With a Profit Margin value of 19.79%, 1SANX is not doing good in the industry: 63.16% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of 1SANX has grown nicely.
1SANX does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 19.79% | ||
| 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
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.
Compared to 5 years ago, 1SANX has less shares outstanding
Compared to 1 year ago, 1SANX has a worse debt to assets ratio.
2.2 Solvency
1SANX has a Debt/Equity ratio of 3.13. This is a high value indicating a heavy dependency on external financing.
1SANX has a worse Debt to Equity ratio (3.13) than 67.37% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.13 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.14%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
1SANX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.83%, which is quite good.
Measured over the past years, 1SANX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.42% on average per year.
The Revenue has been growing slightly by 0.08% in the past year.
1SANX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.17% yearly.
EPS 1Y (TTM)11.83%
EPS 3Y20.14%
EPS 5Y16.42%
EPS Q2Q%-1.22%
Revenue 1Y (TTM)0.08%
Revenue growth 3Y8.95%
Revenue growth 5Y3.17%
Sales Q2Q%-4.96%
3.2 Future
The Earnings Per Share is expected to grow by 3.20% on average over the next years.
Based on estimates for the next years, 1SANX will show a small growth in Revenue. The Revenue will grow by 2.53% on average per year.
EPS Next Y16.28%
EPS Next 2Y10.03%
EPS Next 3Y10.85%
EPS Next 5Y3.2%
Revenue Next Year0.84%
Revenue Next 2Y-0.14%
Revenue Next 3Y1.06%
Revenue Next 5Y2.53%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 10.23 indicates a reasonable valuation of 1SANX.
1SANX's Price/Earnings is on the same level as the industry average.
1SANX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.11.
Based on the Price/Forward Earnings ratio of 9.11, the valuation of 1SANX can be described as reasonable.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SANX indicates a somewhat cheap valuation: 1SANX is cheaper than 78.95% of the companies listed in the same industry.
1SANX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.55.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.23 | ||
| Fwd PE | 9.11 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.63
PEG (5Y)0.62
EPS Next 2Y10.03%
EPS Next 3Y10.85%
5. Dividend
5.1 Amount
1SANX has a Yearly Dividend Yield of 2.08%.
With a Dividend Yield of 2.08, 1SANX pays less dividend than the industry average, which is at 4.84. 90.53% 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
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
DPN/A
EPS Next 2Y10.03%
EPS Next 3Y10.85%
BIT:1SANX (10/27/2025, 7:00:00 PM)
8.493
+0.11 (+1.31%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.09%
Inst Owner ChangeN/A
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap125.78B
Revenue(TTM)68.73B
Net Income(TTM)13.60B
Analysts80
Price Target9.16 (7.85%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.08% |
Yearly Dividend0.19
Dividend Growth(5Y)-2.45%
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-5.63%
Min EPS beat(2)-10.27%
Max EPS beat(2)-0.99%
EPS beat(4)2
Avg EPS beat(4)8.47%
Min EPS beat(4)-10.27%
Max EPS beat(4)43.7%
EPS beat(8)4
Avg EPS beat(8)5.84%
EPS beat(12)7
Avg EPS beat(12)4.52%
EPS beat(16)11
Avg EPS beat(16)4.43%
Revenue beat(2)0
Avg Revenue beat(2)-4.25%
Min Revenue beat(2)-7.23%
Max Revenue beat(2)-1.28%
Revenue beat(4)2
Avg Revenue beat(4)-1.34%
Min Revenue beat(4)-7.23%
Max Revenue beat(4)3.06%
Revenue beat(8)3
Avg Revenue beat(8)-1.1%
Revenue beat(12)6
Avg Revenue beat(12)3.24%
Revenue beat(16)10
Avg Revenue beat(16)9.59%
PT rev (1m)8.36%
PT rev (3m)23.51%
EPS NQ rev (1m)-0.11%
EPS NQ rev (3m)14.93%
EPS NY rev (1m)0%
EPS NY rev (3m)6.12%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)1.91%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.2%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.23 | ||
| Fwd PE | 9.11 | ||
| P/S | 1.83 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.24 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.83
EY9.77%
EPS(NY)0.93
Fwd EY10.98%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.64
BVpS6.83
TBVpS5.66
PEG (NY)0.63
PEG (5Y)0.62
Graham Number11.29
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 13.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.79% | ||
| 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
ROICexgc growth 3YN/A
ROICexgc 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-ScoreN/A
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.13 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| 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-ScoreN/A
WACC5.14%
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)11.83%
EPS 3Y20.14%
EPS 5Y16.42%
EPS Q2Q%-1.22%
EPS Next Y16.28%
EPS Next 2Y10.03%
EPS Next 3Y10.85%
EPS Next 5Y3.2%
Revenue 1Y (TTM)0.08%
Revenue growth 3Y8.95%
Revenue growth 5Y3.17%
Sales Q2Q%-4.96%
Revenue Next Year0.84%
Revenue Next 2Y-0.14%
Revenue Next 3Y1.06%
Revenue Next 5Y2.53%
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
BANCO SANTANDER SA / 1SANX.MI FAQ
Can you provide the ChartMill fundamental rating for BANCO SANTANDER SA?
ChartMill assigns a fundamental rating of 3 / 10 to 1SANX.MI.
Can you provide the valuation status for BANCO SANTANDER SA?
ChartMill assigns a valuation rating of 5 / 10 to BANCO SANTANDER SA (1SANX.MI). This can be considered as Fairly Valued.
What is the profitability of 1SANX stock?
BANCO SANTANDER SA (1SANX.MI) has a profitability rating of 3 / 10.
What are the PE and PB ratios of BANCO SANTANDER SA (1SANX.MI) stock?
The Price/Earnings (PE) ratio for BANCO SANTANDER SA (1SANX.MI) is 10.23 and the Price/Book (PB) ratio is 1.24.
How financially healthy is BANCO SANTANDER SA?
The financial health rating of BANCO SANTANDER SA (1SANX.MI) is 1 / 10.