1SANX Fundamental Analysis - BANCO SANTANDER SA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to 1SANX. 1SANX was compared to 91 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.

1SANX had positive earnings in 4 of the past 5 years.

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

1.2 Ratios

With a Return On Assets value of 0.68%, 1SANX perfoms like the industry average, outperforming 49.45% of the companies in the same industry.

The Return On Equity of 1SANX (12.75%) is better than 64.84% 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 61.54% of its industry peers.

1SANX's Profit Margin has improved in the last couple of years.

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.

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.

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 has a Debt to Equity ratio of 3.30. This is in the lower half of the industry: 1SANX underperforms 73.63% 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.

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.

1SANX shows a small growth in Revenue. In the last year, the Revenue has grown by 7.01%.

1SANX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.17% yearly.

EPS 1Y (TTM)16.9%

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

1SANX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.18% yearly.

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 Year0.64%

Revenue Next 2Y-0.21%

Revenue Next 3Y1.02%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.03, the valuation of 1SANX can be described as reasonable.

Based on the Price/Earnings ratio, 1SANX is valued a bit cheaper than 61.54% of the companies in the same industry.

1SANX's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.99.

Based on the Price/Forward Earnings ratio of 8.12, the valuation of 1SANX can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SANX indicates a rather cheap valuation: 1SANX is cheaper than 85.71% of the companies listed in the same industry.

1SANX's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 36.36.

		Industry Rank	Sector Rank
PE	9.03
Fwd PE	8.12

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)0.94

PEG (5Y)0.55

EPS Next 2Y9.52%

EPS Next 3Y10.59%

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5. Dividend

5.1 Amount

1SANX has a Yearly Dividend Yield of 2.26%. Purely for dividend investing, there may be better candidates out there.

With a Dividend Yield of 2.26, 1SANX pays less dividend than the industry average, which is at 5.02. 87.91% of the companies listed in the same industry pay a better dividend than 1SANX!

Compared to an average S&P500 Dividend Yield of 2.40, 1SANX has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.26%

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%

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BANCO SANTANDER SA

BIT:1SANX (8/5/2025, 7:00:00 PM)

7.498

-0.18 (-2.31%)

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 Cap111.60B

Analysts82.14

Price Target7.42 (-1.04%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.26%

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)0%

PT rev (3m)10.53%

EPS NQ rev (1m)0%

EPS NQ rev (3m)1.23%

EPS NY rev (1m)0%

EPS NY rev (3m)0%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.42%

Revenue NY rev (1m)-0.44%

Revenue NY rev (3m)-0.56%

Valuation

		Industry Rank	Sector Rank
PE	9.03
Fwd PE	8.12
P/S	1.57
P/FCF	N/A
P/OCF	N/A
P/B	1.13
P/tB	1.41
EV/EBITDA	N/A

EPS(TTM)0.83

EY11.07%

EPS(NY)0.92

Fwd EY12.32%

FCF(TTM)-2.33

FCFYN/A

OCF(TTM)-1.62

OCFYN/A

SpS4.78

BVpS6.62

TBVpS5.33

PEG (NY)0.94

PEG (5Y)0.55

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 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%-1.26%

Revenue Next Year0.64%

Revenue Next 2Y-0.21%

Revenue Next 3Y1.02%

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

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