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

BIT:1SANX • ES0113900J37

10.814 EUR
+0.19 (+1.81%)
Last: Feb 9, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

3

Taking everything into account, 1SANX scores 3 out of 10 in our fundamental rating. 1SANX was compared to 108 industry peers in the Banks industry. 1SANX has a bad profitability rating. Also its financial health evaluation is rather negative. 1SANX is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year 1SANX was profitable.
  • In the past 5 years 1SANX has always been profitable.
  • 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 Return On Assets of 1.31%. This is amongst the best in the industry. 1SANX outperforms 84.40% of its industry peers.
  • 1SANX has a Return On Equity of 23.69%. This is amongst the best in the industry. 1SANX outperforms 94.50% 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's Profit Margin of 21.03% is on the low side compared to the rest of the industry. 1SANX is outperformed by 63.30% 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 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. 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.
  • The number of shares outstanding for 1SANX has been reduced compared to 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: 77.98% 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
WACC5.56%
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

4

3. Growth

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.
  • Looking at the last year, 1SANX shows a very strong growth in Revenue. The Revenue has grown by 67.59%.
  • 1SANX shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.37% yearly.
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

  • 1SANX is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -0.30% yearly.
  • Based on estimates for the next years, 1SANX will show a small growth in Revenue. The Revenue will grow by 2.59% on average per year.
EPS Next Y11.34%
EPS Next 2Y12.12%
EPS Next 3Y9.01%
EPS Next 5Y-0.3%
Revenue Next Year-0.61%
Revenue Next 2Y1.51%
Revenue Next 3Y2.25%
Revenue Next 5Y2.59%

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.
  • 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 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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3

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 12.02, the valuation of 1SANX can be described as correct.
  • 66.06% of the companies in the same industry are cheaper than 1SANX, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of 1SANX to the average of the S&P500 Index (27.10), we can say 1SANX is valued rather cheaply.
  • 1SANX is valuated reasonably with a Price/Forward Earnings ratio of 10.79.
  • 1SANX's Price/Forward Earnings ratio is in line with the industry average.
  • 1SANX is valuated cheaply when we compare the Price/Forward Earnings ratio to 28.06, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 12.02
Fwd PE 10.79
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 2 4 6

4.3 Compensation for Growth

  • 1SANX's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)0.43
EPS Next 2Y12.12%
EPS Next 3Y9.01%

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

2

5. Dividend

5.1 Amount

  • 1SANX has a Yearly Dividend Yield of 1.77%.
  • With a Dividend Yield of 1.77, 1SANX pays less dividend than the industry average, which is at 4.34. 92.66% 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 1.83.
Industry RankSector Rank
Dividend Yield 1.77%

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

  • 1SANX's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DPN/A
EPS Next 2Y12.12%
EPS Next 3Y9.01%
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

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BANCO SANTANDER SA

BIT:1SANX (2/9/2026, 7:00:00 PM)

10.814

+0.19 (+1.81%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-29
Inst Owners38.26%
Inst Owner ChangeN/A
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap158.84B
Revenue(TTM)116.21B
Net Income(TTM)24.44B
Analysts78.62
Price Target10.75 (-0.59%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 1.77%
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)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)11.61%
PT rev (3m)17.45%
EPS NQ rev (1m)5.05%
EPS NQ rev (3m)5.05%
EPS NY rev (1m)0.11%
EPS NY rev (3m)4.26%
Revenue NQ rev (1m)-3.43%
Revenue NQ rev (3m)-2.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.37%
Valuation
Industry RankSector Rank
PE 12.02
Fwd PE 10.79
P/S 1.37
P/FCF N/A
P/OCF N/A
P/B 1.54
P/tB 1.85
EV/EBITDA N/A
EPS(TTM)0.9
EY8.32%
EPS(NY)1
Fwd EY9.27%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS7.91
BVpS7.02
TBVpS5.85
PEG (NY)1.06
PEG (5Y)0.43
Graham Number11.93
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-ScoreN/A
Asset Turnover0.06
Health
Industry RankSector Rank
Debt/Equity 3.14
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
WACC5.56%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
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 Y11.34%
EPS Next 2Y12.12%
EPS Next 3Y9.01%
EPS Next 5Y-0.3%
Revenue 1Y (TTM)67.59%
Revenue growth 3Y2.1%
Revenue growth 5Y4.37%
Sales Q2Q%-5.38%
Revenue Next Year-0.61%
Revenue Next 2Y1.51%
Revenue Next 3Y2.25%
Revenue Next 5Y2.59%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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 3 / 10 to BANCO SANTANDER SA (1SANX.MI). This can be considered as Overvalued.


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.