1SANX Fundamental Analysis - BANCO SANTANDER SA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to 1SANX. 1SANX was compared to 111 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.

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1. Profitability

1.1 Basic Checks

In the past year 1SANX was profitable.
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

The Return On Assets of 1SANX (0.74%) is comparable to the rest of the industry.
1SANX's Return On Equity of 13.46% is fine compared to the rest of the industry. 1SANX outperforms 70.27% 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

The Profit Margin of 1SANX (19.79%) is worse than 64.86% of its industry peers.
1SANX's Profit Margin has improved in the last couple of years.
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

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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.
1SANX has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 3.13 is on the high side and indicates that 1SANX has dependencies on debt financing.
1SANX's Debt to Equity ratio of 3.13 is on the low side compared to the rest of the industry. 1SANX is outperformed by 72.07% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.13
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.58%

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 16.22%, 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)16.22%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%15%

Revenue 1Y (TTM)0.08%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%0.87%

3.2 Future

The Earnings Per Share is expected to grow by 3.00% on average over the next years.
The Revenue is expected to grow by 2.33% on average over the next years.

EPS Next Y18.61%

EPS Next 2Y14.02%

EPS Next 3Y13.64%

EPS Next 5Y3%

Revenue Next Year0.97%

Revenue Next 2Y0.17%

Revenue Next 3Y1.33%

Revenue Next 5Y2.33%

3.3 Evolution

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

1SANX is valuated reasonably with a Price/Earnings ratio of 11.97.
1SANX's Price/Earnings is on the same level as the industry average.
1SANX is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.28, which indicates a very decent valuation of 1SANX.
76.58% of the companies in the same industry are more expensive than 1SANX, based on the Price/Forward Earnings ratio.
1SANX is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	11.97
Fwd PE	10.28

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.
A more expensive valuation may be justified as 1SANX's earnings are expected to grow with 13.64% in the coming years.

PEG (NY)0.64

PEG (5Y)0.73

EPS Next 2Y14.02%

EPS Next 3Y13.64%

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5. Dividend

5.1 Amount

1SANX has a Yearly Dividend Yield of 1.73%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 4.03, 1SANX's dividend is way lower than its industry peers. On top of this 87.39% 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 1.85.

		Industry Rank	Sector Rank
Dividend Yield	1.73%

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 2Y14.02%

EPS Next 3Y13.64%

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BANCO SANTANDER SA

BIT:1SANX (1/16/2026, 7:00:00 PM)

10.29

-0.23 (-2.19%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)10-29 2025-10-29/bmo

Earnings (Next)02-04 2026-02-04/amc

Inst Owners38.26%

Inst Owner ChangeN/A

Ins Owners0.48%

Ins Owner ChangeN/A

Market Cap151.74B

Revenue(TTM)68.73B

Net Income(TTM)13.60B

Analysts78.62

Price Target10.15 (-1.36%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.73%

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)1

Avg EPS beat(2)1.73%

Min EPS beat(2)-0.99%

Max EPS beat(2)4.46%

EPS beat(4)3

Avg EPS beat(4)12.15%

Min EPS beat(4)-0.99%

Max EPS beat(4)43.7%

EPS beat(8)5

Avg EPS beat(8)7.69%

EPS beat(12)8

Avg EPS beat(12)5.75%

EPS beat(16)12

Avg EPS beat(16)5.35%

Revenue beat(2)0

Avg Revenue beat(2)-1.41%

Min Revenue beat(2)-1.53%

Max Revenue beat(2)-1.28%

Revenue beat(4)2

Avg Revenue beat(4)0.09%

Min Revenue beat(4)-1.53%

Max Revenue beat(4)3.06%

Revenue beat(8)3

Avg Revenue beat(8)-0.38%

Revenue beat(12)6

Avg Revenue beat(12)3.71%

Revenue beat(16)10

Avg Revenue beat(16)9.94%

PT rev (1m)5.45%

PT rev (3m)15.98%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-0.43%

EPS NY rev (1m)1.41%

EPS NY rev (3m)2.01%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)2.79%

Revenue NY rev (1m)-0.02%

Revenue NY rev (3m)0.13%

Valuation

		Industry Rank	Sector Rank
PE	11.97
Fwd PE	10.28
P/S	2.21
P/FCF	N/A
P/OCF	N/A
P/B	1.5
P/tB	1.81
EV/EBITDA	N/A

EPS(TTM)0.86

EY8.36%

EPS(NY)1

Fwd EY9.73%

FCF(TTM)N/A

FCFYN/A

OCF(TTM)N/A

OCFYN/A

SpS4.66

BVpS6.85

TBVpS5.68

PEG (NY)0.64

PEG (5Y)0.73

Graham Number11.52

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

WACC5.58%

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)16.22%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%15%

EPS Next Y18.61%

EPS Next 2Y14.02%

EPS Next 3Y13.64%

EPS Next 5Y3%

Revenue 1Y (TTM)0.08%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%0.87%

Revenue Next Year0.97%

Revenue Next 2Y0.17%

Revenue Next 3Y1.33%

Revenue Next 5Y2.33%

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.

What is the valuation status for 1SANX stock?

ChartMill assigns a valuation rating of 5 / 10 to BANCO SANTANDER SA (1SANX.MI). This can be considered as Fairly Valued.

Can you provide the profitability details for BANCO SANTANDER SA?

BANCO SANTANDER SA (1SANX.MI) has a profitability rating of 3 / 10.

Can you provide the financial health for 1SANX stock?

The financial health rating of BANCO SANTANDER SA (1SANX.MI) is 1 / 10.

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

BANCO SANTANDER SA / 1SANX.MI FAQ

Can you provide the ChartMill fundamental rating for BANCO SANTANDER SA?

What is the valuation status for 1SANX stock?

Can you provide the profitability details for BANCO SANTANDER SA?

Can you provide the financial health for 1SANX stock?