1SANX Fundamental Analysis - BANCO SANTANDER SA

Fundamental Rating

Taking everything into account, 1SANX scores 3 out of 10 in our fundamental rating. 1SANX was compared to 90 industry peers in the Banks industry. 1SANX has a bad profitability rating. Also its financial health evaluation is rather negative. 1SANX has a decent growth rate and is not valued too expensively.

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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.

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

1.2 Ratios

With a Return On Assets value of 0.68%, 1SANX perfoms like the industry average, outperforming 47.78% of the companies in the same industry.

1SANX's Return On Equity of 12.75% is fine compared to the rest of the industry. 1SANX outperforms 64.44% 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

With a Profit Margin value of 17.68%, 1SANX is not doing good in the industry: 64.44% of the companies in the same industry are doing better.

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 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.

1SANX has less shares outstanding than it did 1 year ago.

Compared to 5 years ago, 1SANX has less shares outstanding

The debt/assets ratio for 1SANX is higher compared to a year ago.

2.2 Solvency

A Debt/Equity ratio of 3.30 is on the high side and indicates that 1SANX has dependencies on debt 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 72.22% of its industry peers.

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

ROIC/WACCN/A

WACC5.19%

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

The Earnings Per Share has grown by an nice 16.90% 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.

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

Based on estimates for the next years, 1SANX will show a small growth in Earnings Per Share. The EPS will grow by 4.89% on average per year.

The Revenue is expected to grow by 1.05% on average over the next years.

EPS Next Y14.13%

EPS Next 2Y9.7%

EPS Next 3Y10.77%

EPS Next 5Y4.89%

Revenue Next Year0.71%

Revenue Next 2Y-0.41%

Revenue Next 3Y0.87%

Revenue Next 5Y1.05%

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 decreasing: in the next years the growth will be less than in the last years.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 10.28, the valuation of 1SANX can be described as very reasonable.

1SANX's Price/Earnings ratio is in line with the industry average.

Compared to an average S&P500 Price/Earnings ratio of 27.30, 1SANX is valued rather cheaply.

A Price/Forward Earnings ratio of 9.21 indicates a reasonable valuation of 1SANX.

72.22% of the companies in the same industry are more expensive than 1SANX, based on the Price/Forward Earnings ratio.

When comparing the Price/Forward Earnings ratio of 1SANX to the average of the S&P500 Index (22.73), we can say 1SANX is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.28
Fwd PE	9.21

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)0.73

PEG (5Y)0.63

EPS Next 2Y9.7%

EPS Next 3Y10.77%

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5. Dividend

5.1 Amount

1SANX has a Yearly Dividend Yield of 1.99%. Purely for dividend investing, there may be better candidates out there.

With a Dividend Yield of 1.99, 1SANX pays less dividend than the industry average, which is at 5.03. 92.22% 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 2.41.

		Industry Rank	Sector Rank
Dividend Yield	1.99%

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 2Y9.7%

EPS Next 3Y10.77%

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BANCO SANTANDER SA

BIT:1SANX (9/11/2025, 7:00:00 PM)

8.533

+0.45 (+5.57%)

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 Owners28.2%

Inst Owner ChangeN/A

Ins Owners0.47%

Ins Owner ChangeN/A

Market Cap126.72B

Analysts80.71

Price Target8.46 (-0.86%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.99%

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)6.08%

PT rev (3m)16.47%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)4.17%

EPS NY rev (3m)4.17%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.07%

Revenue NY rev (3m)-0.37%

Valuation

		Industry Rank	Sector Rank
PE	10.28
Fwd PE	9.21
P/S	1.78
P/FCF	N/A
P/OCF	N/A
P/B	1.29
P/tB	1.6
EV/EBITDA	N/A

EPS(TTM)0.83

EY9.73%

EPS(NY)0.93

Fwd EY10.86%

FCF(TTM)-2.34

FCFYN/A

OCF(TTM)-1.63

OCFYN/A

SpS4.79

BVpS6.64

TBVpS5.34

PEG (NY)0.73

PEG (5Y)0.63

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

WACC5.19%

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)16.9%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%10%

EPS Next Y14.13%

EPS Next 2Y9.7%

EPS Next 3Y10.77%

EPS Next 5Y4.89%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%-1.26%

Revenue Next Year0.71%

Revenue Next 2Y-0.41%

Revenue Next 3Y0.87%

Revenue Next 5Y1.05%

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