BANCO SANTANDER SA (1SANX.MI) Fundamental Analysis & Valuation

BIT:1SANX • ES0113900J37

Current stock price

10.664 EUR
+0.33 (+3.19%)
Last:

This 1SANX.MI fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. 1SANX.MI Profitability Analysis

1.1 Basic Checks

  • 1SANX had positive earnings in the past year.
  • In the past year 1SANX has reported a negative cash flow from operations.
  • 1SANX had positive earnings in each of the past 5 years.
  • The reported operating cash flow has been mixed in the past 5 years: 1SANX reported negative operating cash flow in multiple 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B

1.2 Ratios

  • 1SANX has a better Return On Assets (1.31%) than 82.08% of its industry peers.
  • 1SANX's Return On Equity of 23.69% is amongst the best of the industry. 1SANX outperforms 96.23% of its industry peers.
Industry RankSector Rank
ROA 1.31%
ROE 23.69%
ROIC N/A
ROA(3y)0.69%
ROA(5y)0.62%
ROE(3y)12.68%
ROE(5y)11.63%
ROIC(3y)N/A
ROIC(5y)N/A
1SANX.MI Yearly ROA, ROE, ROIC1SANX.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • 1SANX has a Profit Margin (21.03%) which is comparable to the rest of the industry.
  • 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 RankSector Rank
OM N/A
PM (TTM) 21.03%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.32%
PM growth 5YN/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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1

2. 1SANX.MI Health Analysis

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.
  • Compared to 1 year ago, 1SANX has an improved debt to assets ratio.
1SANX.MI Yearly Shares Outstanding1SANX.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
1SANX.MI Yearly Total Debt VS Total Assets1SANX.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • 1SANX has a Debt/Equity ratio of 3.14. This is a high value indicating a heavy dependency on external financing.
  • With a Debt to Equity ratio value of 3.14, 1SANX is not doing good in the industry: 78.30% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.66%
1SANX.MI Yearly LT Debt VS Equity VS FCF1SANX.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. 1SANX.MI Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an nice 16.88% over the past year.
  • Measured over the past years, 1SANX shows a very strong growth in Earnings Per Share. The EPS has been growing by 28.09% on average per year.
  • 1SANX shows a strong growth in Revenue. In the last year, the Revenue has grown by 67.59%.
  • Measured over the past years, 1SANX shows a small growth in Revenue. The Revenue has been growing by 4.37% on average per year.
EPS 1Y (TTM)16.88%
EPS 3Y18.64%
EPS 5Y28.09%
EPS Q2Q%20%
Revenue 1Y (TTM)67.59%
Revenue growth 3Y2.1%
Revenue growth 5Y4.37%
Sales Q2Q%-5.38%

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 7.11% on average per year.
  • 1SANX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.05% yearly.
EPS Next Y14.04%
EPS Next 2Y15.54%
EPS Next 3Y15.75%
EPS Next 5Y7.11%
Revenue Next Year1.19%
Revenue Next 2Y3.84%
Revenue Next 3Y4.11%
Revenue Next 5Y5.05%

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 stable.
1SANX.MI Yearly Revenue VS Estimates1SANX.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
1SANX.MI Yearly EPS VS Estimates1SANX.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.2 0.4 0.6 0.8 1

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5

4. 1SANX.MI Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 11.85 indicates a reasonable valuation of 1SANX.
  • 1SANX's Price/Earnings is on the same level as the industry average.
  • Compared to an average S&P500 Price/Earnings ratio of 27.89, 1SANX is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.39 indicates a reasonable valuation of 1SANX.
  • 73.58% 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 (38.50), we can say 1SANX is valued rather cheaply.
Industry RankSector Rank
PE 11.85
Fwd PE 10.39
1SANX.MI Price Earnings VS Forward Price Earnings1SANX.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

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 4 6

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 15.75% in the coming years.
PEG (NY)0.84
PEG (5Y)0.42
EPS Next 2Y15.54%
EPS Next 3Y15.75%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. 1SANX.MI Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 1.85%, 1SANX has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 4.47, 1SANX's dividend is way lower than its industry peers. On top of this 94.34% 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 1.82.
Industry RankSector Rank
Dividend Yield 1.85%

5.2 History

Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0

5.3 Sustainability

  • 13.67% of the earnings are spent on dividend by 1SANX. This is a low number and sustainable payout ratio.
DP13.67%
EPS Next 2Y15.54%
EPS Next 3Y15.75%
1SANX.MI Yearly Income VS Free CF VS Dividend1SANX.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 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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1SANX.MI Fundamentals: All Metrics, Ratios and Statistics

BANCO SANTANDER SA

BIT:1SANX (4/15/2026, 7:00:00 PM)

10.664

+0.33 (+3.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-29
Inst Owners39.13%
Inst Owner ChangeN/A
Ins Owners1.57%
Ins Owner ChangeN/A
Market Cap156.65B
Revenue(TTM)116.21B
Net Income(TTM)24.44B
Analysts77.93
Price Target12.19 (14.31%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.85%
Yearly Dividend0.22
Dividend Growth(5Y)N/A
DP13.67%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.17%
Min EPS beat(2)4.46%
Max EPS beat(2)13.88%
EPS beat(4)3
Avg EPS beat(4)4.69%
Min EPS beat(4)-0.99%
Max EPS beat(4)13.88%
EPS beat(8)5
Avg EPS beat(8)7.43%
EPS beat(12)8
Avg EPS beat(12)6.59%
EPS beat(16)12
Avg EPS beat(16)5.89%
Revenue beat(2)0
Avg Revenue beat(2)-2.6%
Min Revenue beat(2)-3.67%
Max Revenue beat(2)-1.53%
Revenue beat(4)1
Avg Revenue beat(4)-1.6%
Min Revenue beat(4)-3.67%
Max Revenue beat(4)0.1%
Revenue beat(8)3
Avg Revenue beat(8)-0.81%
Revenue beat(12)5
Avg Revenue beat(12)0.97%
Revenue beat(16)9
Avg Revenue beat(16)8.29%
PT rev (1m)5.97%
PT rev (3m)20.08%
EPS NQ rev (1m)16.14%
EPS NQ rev (3m)35.69%
EPS NY rev (1m)0.89%
EPS NY rev (3m)2.54%
Revenue NQ rev (1m)0.51%
Revenue NQ rev (3m)-1.32%
Revenue NY rev (1m)0.52%
Revenue NY rev (3m)1.22%
Valuation
Industry RankSector Rank
PE 11.85
Fwd PE 10.39
P/S 1.35
P/FCF N/A
P/OCF N/A
P/B 1.52
P/tB 1.82
EV/EBITDA N/A
EPS(TTM)0.9
EY8.44%
EPS(NY)1.03
Fwd EY9.62%
FCF(TTM)-1.53
FCFYN/A
OCF(TTM)-1.01
OCFYN/A
SpS7.91
BVpS7.02
TBVpS5.85
PEG (NY)0.84
PEG (5Y)0.42
Graham Number11.9258 (11.83%)
Profitability
Industry RankSector Rank
ROA 1.31%
ROE 23.69%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.03%
GM N/A
FCFM N/A
ROA(3y)0.69%
ROA(5y)0.62%
ROE(3y)12.68%
ROE(5y)11.63%
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 3Y11.32%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 241%
Cap/Sales 6.59%
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-Score7
WACC5.66%
ROIC/WACCN/A
Cap/Depr(3y)330.41%
Cap/Depr(5y)353.63%
Cap/Sales(3y)15.86%
Cap/Sales(5y)17.22%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.88%
EPS 3Y18.64%
EPS 5Y28.09%
EPS Q2Q%20%
EPS Next Y14.04%
EPS Next 2Y15.54%
EPS Next 3Y15.75%
EPS Next 5Y7.11%
Revenue 1Y (TTM)67.59%
Revenue growth 3Y2.1%
Revenue growth 5Y4.37%
Sales Q2Q%-5.38%
Revenue Next Year1.19%
Revenue Next 2Y3.84%
Revenue Next 3Y4.11%
Revenue Next 5Y5.05%
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 1Y35.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.58%
OCF growth 3YN/A
OCF growth 5YN/A

BANCO SANTANDER SA / 1SANX.MI Fundamental Analysis 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.


How profitable is BANCO SANTANDER SA (1SANX.MI) stock?

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


What is the financial health of BANCO SANTANDER SA (1SANX.MI) stock?

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


How sustainable is the dividend of BANCO SANTANDER SA (1SANX.MI) stock?

The dividend rating of BANCO SANTANDER SA (1SANX.MI) is 3 / 10 and the dividend payout ratio is 13.67%.