1SANX Fundamental Analysis - BANCO SANTANDER SA

Fundamental Rating

1SANX gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 98 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.

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1. Profitability

1.1 Basic Checks

In the past year 1SANX was profitable.

In the past year 1SANX has reported a negative cash flow from operations.

Of the past 5 years 1SANX 4 years were profitable.

Of the past 5 years 1SANX 4 years had a positive operating cash flow.

1.2 Ratios

1SANX has a Return On Assets (0.68%) which is comparable to the rest of the industry.

1SANX has a better Return On Equity (12.75%) than 63.27% of its industry peers.

		Industry Rank	Sector 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

1.3 Margins

1SANX has a Profit Margin of 17.68%. This is in the lower half of the industry: 1SANX underperforms 66.33% of its industry peers.

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)	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

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 1 year ago, 1SANX has a worse debt to assets ratio.

2.2 Solvency

A Debt/Equity ratio of 3.30 is on the high side and indicates that 1SANX has dependencies on debt financing.

With a Debt to Equity ratio value of 3.30, 1SANX is not doing good in the industry: 72.45% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	3.3
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.2%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

1SANX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.90%, which is quite good.

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.

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)16.9%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%10%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%-1.26%

3.2 Future

The Earnings Per Share is expected to grow by 3.20% on average over the next years.

1SANX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.53% yearly.

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.

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.

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4. Valuation

4.1 Price/Earnings Ratio

1SANX is valuated reasonably with a Price/Earnings ratio of 10.59.

The rest of the industry has a similar Price/Earnings ratio as 1SANX.

1SANX is valuated cheaply when we compare the Price/Earnings ratio to 27.86, which is the current average of the S&P500 Index.

1SANX is valuated reasonably with a Price/Forward Earnings ratio of 9.43.

Based on the Price/Forward Earnings ratio, 1SANX is valued a bit cheaper than 69.39% of the companies in the same industry.

1SANX is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.32, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	10.59
Fwd PE	9.43

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

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)0.65

PEG (5Y)0.64

EPS Next 2Y10.03%

EPS Next 3Y10.85%

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5. Dividend

5.1 Amount

1SANX has a Yearly Dividend Yield of 2.10%.

Compared to an average industry Dividend Yield of 4.84, 1SANX's dividend is way lower than its industry peers. On top of this 87.76% of the companies listed in the same industry pay a better dividend than 1SANX!

Compared to an average S&P500 Dividend Yield of 2.44, 1SANX has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.1%

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 2Y10.03%

EPS Next 3Y10.85%

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BANCO SANTANDER SA

BIT:1SANX (9/29/2025, 7:00:00 PM)

8.791

+0.04 (+0.4%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-30 2025-07-30/bmo

Earnings (Next)10-29 2025-10-29

Inst Owners36.09%

Inst Owner ChangeN/A

Ins Owners0.48%

Ins Owner ChangeN/A

Market Cap130.32B

Analysts80

Price Target8.76 (-0.35%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.1%

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)6.92%

PT rev (3m)18.03%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)1.88%

EPS NY rev (3m)6.12%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.21%

Revenue NY rev (3m)-0.24%

Valuation

		Industry Rank	Sector Rank
PE	10.59
Fwd PE	9.43
P/S	1.83
P/FCF	N/A
P/OCF	N/A
P/B	1.32
P/tB	1.64
EV/EBITDA	N/A

EPS(TTM)0.83

EY9.44%

EPS(NY)0.93

Fwd EY10.6%

FCF(TTM)-2.34

FCFYN/A

OCF(TTM)-1.63

OCFYN/A

SpS4.8

BVpS6.65

TBVpS5.35

PEG (NY)0.65

PEG (5Y)0.64

Profitability

		Industry Rank	Sector 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 Rank	Sector 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

WACC5.2%

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)16.9%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%10%

EPS Next Y16.28%

EPS Next 2Y10.03%

EPS Next 3Y10.85%

EPS Next 5Y3.2%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%-1.26%

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) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens