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

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

6.953  -0.12 (-1.71%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to 1SANX. 1SANX was compared to 92 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.
In the past year 1SANX has reported a negative cash flow from operations.
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.
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's Return On Assets of 0.68% is in line compared to the rest of the industry. 1SANX outperforms 50.00% of its industry peers.
1SANX has a Return On Equity of 12.75%. This is in the better half of the industry: 1SANX outperforms 64.13% 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

The Profit Margin of 1SANX (17.68%) is worse than 63.04% of its industry peers.
In the last couple of years the Profit Margin of 1SANX has grown nicely.
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.
Compared to 1 year ago, 1SANX has less shares outstanding
Compared to 5 years ago, 1SANX has less shares outstanding
The debt/assets ratio for 1SANX is higher compared to a year ago.
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

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: 71.74% 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
WACC5.19%
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 20.90%, which is quite impressive.
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)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

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 8.58.
1SANX's Price/Earnings ratio is a bit cheaper when compared to the industry. 1SANX is cheaper than 67.39% of the companies in the same industry.
1SANX is valuated cheaply when we compare the Price/Earnings ratio to 25.91, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 7.53, the valuation of 1SANX can be described as very cheap.
Based on the Price/Forward Earnings ratio, 1SANX is valued cheaper than 85.87% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of 1SANX to the average of the S&P500 Index (21.77), we can say 1SANX is valued rather cheaply.
Industry RankSector Rank
PE 8.58
Fwd PE 7.53
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)0.9
PEG (5Y)0.52
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 5.03. 88.04% 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 2.40.
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

23.99% of the earnings are spent on dividend by 1SANX. This is a low number and 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 (5/23/2025, 7:00:00 PM)

6.953

-0.12 (-1.71%)

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 Cap103.50B
Analysts81.38
Price Target6.88 (-1.05%)
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)1.23%
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 8.58
Fwd PE 7.53
P/S 1.46
P/FCF N/A
P/OCF N/A
P/B 1.05
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)0.81
EY11.65%
EPS(NY)0.92
Fwd EY13.28%
FCF(TTM)-2.33
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS4.78
BVpS6.62
TBVpS5.33
PEG (NY)0.9
PEG (5Y)0.52
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
WACC5.19%
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