BANCO SANTANDER SA (1SANX.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1SANX - ES0113900J37 - Common Stock
10.296 EUR
-0.04 (-0.35%)
We assign a fundamental rating of 3 out of 10 to 1SANX. 1SANX was compared to 114 industry peers in the Banks industry. Both the profitability and financial health of 1SANX have multiple concerns. 1SANX is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1SANX was profitable.
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
1SANX has a Return On Assets of 0.74%. This is comparable to the rest of the industry: 1SANX outperforms 47.37% of its industry peers.
1SANX's Return On Equity of 13.46% is fine compared to the rest of the industry. 1SANX outperforms 68.42% 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
1SANX has a worse Profit Margin (19.79%) than 65.79% of its industry peers.
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) | 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
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.
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
1SANX has a Debt/Equity ratio of 3.13. This is a high value indicating a heavy dependency on external financing.
1SANX has a worse Debt to Equity ratio (3.13) than 69.30% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.13 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.64%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
1SANX shows a small growth in Revenue. In the last year, the Revenue has grown by 0.08%.
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)16.22%
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
1SANX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.29% yearly.
The Revenue is expected to grow by 2.63% on average over the next years.
EPS Next Y18.61%
EPS Next 2Y14.02%
EPS Next 3Y13.64%
EPS Next 5Y3.29%
Revenue Next Year0.97%
Revenue Next 2Y0.17%
Revenue Next 3Y1.33%
Revenue Next 5Y2.63%
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 stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 11.97, which indicates a very decent valuation of 1SANX.
Compared to the rest of the industry, the Price/Earnings ratio of 1SANX is on the same level as its industry peers.
1SANX is valuated cheaply when we compare the Price/Earnings ratio to 27.17, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 10.29, which indicates a very decent valuation of 1SANX.
75.44% 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 (23.79), we can say 1SANX is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.97 | ||
| Fwd PE | 10.29 |
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.
1SANX's earnings are expected to grow with 13.64% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.64
PEG (5Y)0.73
EPS Next 2Y14.02%
EPS Next 3Y13.64%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.51%, 1SANX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 3.98, 1SANX's dividend is way lower than its industry peers. On top of this 87.72% of the companies listed in the same industry pay a better dividend than 1SANX!
Compared to the average S&P500 Dividend Yield of 1.94, 1SANX is paying slightly less dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
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%
BIT:1SANX (1/6/2026, 7:00:00 PM)
10.296
-0.04 (-0.35%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners38.26%
Inst Owner ChangeN/A
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap151.83B
Revenue(TTM)68.73B
Net Income(TTM)13.60B
Analysts80
Price Target9.63 (-6.47%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.51% |
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)0.96%
PT rev (3m)9.99%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.65%
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 | 10.29 | ||
| 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
EY8.35%
EPS(NY)1
Fwd EY9.72%
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
WACC5.64%
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 5Y3.29%
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 5Y2.63%
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.