BSD2 Fundamental Analysis - BANCO SANTANDER SA

Fundamental Rating

BSD2 gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 96 industry peers in the Banks industry. BSD2 has a bad profitability rating. Also its financial health evaluation is rather negative. BSD2 has a correct valuation and a medium growth rate.

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1. Profitability

1.1 Basic Checks

In the past year BSD2 was profitable.

In the past year BSD2 has reported a negative cash flow from operations.

Of the past 5 years BSD2 4 years were profitable.

Of the past 5 years BSD2 4 years had a positive operating cash flow.

1.2 Ratios

With a Return On Assets value of 0.68%, BSD2 perfoms like the industry average, outperforming 47.92% of the companies in the same industry.

BSD2's Return On Equity of 12.75% is fine compared to the rest of the industry. BSD2 outperforms 63.54% 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

The Profit Margin of BSD2 (17.68%) is worse than 64.58% of its industry peers.

In the last couple of years the Profit Margin of BSD2 has grown nicely.

BSD2 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)	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

BSD2 does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, BSD2 has less shares outstanding

The number of shares outstanding for BSD2 has been reduced compared to 5 years ago.

The debt/assets ratio for BSD2 is higher compared to a year ago.

2.2 Solvency

BSD2 has a Debt/Equity ratio of 3.30. This is a high value indicating a heavy dependency on external financing.

BSD2's Debt to Equity ratio of 3.30 is on the low side compared to the rest of the industry. BSD2 is outperformed by 72.92% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.3
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC5.16%

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.

The Earnings Per Share has been growing by 16.42% on average over the past years. This is quite good.

BSD2 shows a small growth in Revenue. In the last year, the Revenue has grown by 7.01%.

BSD2 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

The Earnings Per Share is expected to grow by 4.89% on average over the next years.

BSD2 is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.05% yearly.

EPS Next Y16.28%

EPS Next 2Y10.03%

EPS Next 3Y10.85%

EPS Next 5Y4.89%

Revenue Next Year0.71%

Revenue Next 2Y-0.41%

Revenue Next 3Y0.87%

Revenue Next 5Y1.05%

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

A Price/Earnings ratio of 10.67 indicates a reasonable valuation of BSD2.

The rest of the industry has a similar Price/Earnings ratio as BSD2.

BSD2's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.32.

Based on the Price/Forward Earnings ratio of 9.50, the valuation of BSD2 can be described as reasonable.

Compared to the rest of the industry, the Price/Forward Earnings ratio of BSD2 indicates a somewhat cheap valuation: BSD2 is cheaper than 68.75% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of BSD2 to the average of the S&P500 Index (22.89), we can say BSD2 is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.67
Fwd PE	9.5

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)0.66

PEG (5Y)0.65

EPS Next 2Y10.03%

EPS Next 3Y10.85%

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5. Dividend

5.1 Amount

BSD2 has a Yearly Dividend Yield of 1.95%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 4.94, BSD2's dividend is way lower than its industry peers. On top of this 88.54% of the companies listed in the same industry pay a better dividend than BSD2!

BSD2's Dividend Yield is comparable with the S&P500 average which is at 2.42.

		Industry Rank	Sector Rank
Dividend Yield	1.95%

5.2 History

The dividend of BSD2 decreases each year by -2.45%.

Dividend Growth(5Y)-2.45%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

BSD2 pays out 23.99% of its income as dividend. This is a sustainable payout ratio.

DP23.99%

EPS Next 2Y10.03%

EPS Next 3Y10.85%

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BANCO SANTANDER SA

FRA:BSD2 (9/26/2025, 7:00:00 PM)

8.856

+0.15 (+1.76%)

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 Owners36.09%

Inst Owner ChangeN/A

Ins Owners0.48%

Ins Owner ChangeN/A

Market Cap131.52B

Analysts80.71

Price Target8.48 (-4.25%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	1.95%

Yearly Dividend0.19

Dividend Growth(5Y)-2.45%

DP23.99%

Div Incr Years3

Div Non Decr Years3

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)3.39%

PT rev (3m)14.19%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)1.88%

EPS NY rev (3m)6.12%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.08%

Revenue NY rev (3m)-0.37%

Valuation

		Industry Rank	Sector Rank
PE	10.67
Fwd PE	9.5
P/S	1.85
P/FCF	N/A
P/OCF	N/A
P/B	1.33
P/tB	1.66
EV/EBITDA	N/A

EPS(TTM)0.83

EY9.37%

EPS(NY)0.93

Fwd EY10.53%

FCF(TTM)-2.34

FCFYN/A

OCF(TTM)-1.63

OCFYN/A

SpS4.79

BVpS6.64

TBVpS5.34

PEG (NY)0.66

PEG (5Y)0.65

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

WACC5.16%

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 Y16.28%

EPS Next 2Y10.03%

EPS Next 3Y10.85%

EPS Next 5Y4.89%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%-1.26%

Revenue Next Year0.71%

Revenue Next 2Y-0.41%

Revenue Next 3Y0.87%

Revenue Next 5Y1.05%

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 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 (BSD2.DE) 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