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

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

7.107  +0.13 (+1.89%)

Fundamental Rating

3

1SANX gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 89 industry peers in the Banks industry. 1SANX has a bad profitability rating. Also its financial health evaluation is rather negative. 1SANX is not valued too expensively and it also shows a decent growth rate.


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

Looking at the Return On Assets, with a value of 0.68%, 1SANX is in line with its industry, outperforming 50.56% of the companies in the same industry.
Looking at the Return On Equity, with a value of 12.75%, 1SANX is in the better half of the industry, outperforming 65.17% of the companies in the same industry.
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

Looking at the Profit Margin, with a value of 17.68%, 1SANX is doing worse than 60.67% of the companies in the same industry.
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 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.
1SANX has less shares outstanding than it did 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.
1SANX's Debt to Equity ratio of 3.30 is on the low side compared to the rest of the industry. 1SANX is outperformed by 71.91% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.3
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.05%
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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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 20.90% over the past year.
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 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

Based on estimates for the next years, 1SANX will show a small growth in Earnings Per Share. The EPS will grow by 4.18% on average per year.
1SANX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.24% yearly.
EPS Next Y9.57%
EPS Next 2Y9.52%
EPS Next 3Y10.59%
EPS Next 5Y4.18%
Revenue Next Year1.08%
Revenue Next 2Y1.77%
Revenue Next 3Y2.32%
Revenue Next 5Y1.24%

3.3 Evolution

The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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

With a Price/Earnings ratio of 8.77, the valuation of 1SANX can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of 1SANX indicates a somewhat cheap valuation: 1SANX is cheaper than 69.66% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 27.30. 1SANX is valued rather cheaply when compared to this.
The Price/Forward Earnings ratio is 7.69, which indicates a rather cheap valuation of 1SANX.
Based on the Price/Forward Earnings ratio, 1SANX is valued cheaply inside the industry as 84.27% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, 1SANX is valued rather cheaply.
Industry RankSector Rank
PE 8.77
Fwd PE 7.69
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)0.92
PEG (5Y)0.53
EPS Next 2Y9.52%
EPS Next 3Y10.59%

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2

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.78%, 1SANX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 5.20, 1SANX's dividend is way lower than its industry peers. On top of this 95.51% of the companies listed in the same industry pay a better dividend than 1SANX!
Compared to the average S&P500 Dividend Yield of 2.37, 1SANX is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.78%

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 (7/2/2025, 7:00:00 PM)

7.107

+0.13 (+1.89%)

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 Owners28.2%
Inst Owner ChangeN/A
Ins Owners0.47%
Ins Owner ChangeN/A
Market Cap105.65B
Analysts82.14
Price Target7.42 (4.4%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.78%
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)7.79%
PT rev (3m)9.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.24%
EPS NY rev (1m)0%
EPS NY rev (3m)0.37%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.48%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.14%
Valuation
Industry RankSector Rank
PE 8.77
Fwd PE 7.69
P/S 1.49
P/FCF N/A
P/OCF N/A
P/B 1.07
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)0.81
EY11.4%
EPS(NY)0.92
Fwd EY13%
FCF(TTM)-2.34
FCFYN/A
OCF(TTM)-1.62
OCFYN/A
SpS4.78
BVpS6.63
TBVpS5.34
PEG (NY)0.92
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
WACC5.05%
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 5Y4.18%
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 5Y1.24%
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