BANCO SANTANDER SA (BSD2.DE) Stock Fundamental Analysis
Europe - FRA:BSD2 - ES0113900J37 - Common Stock
8.842 EUR
-0.09 (-1.01%)
Taking everything into account, BSD2 scores 3 out of 10 in our fundamental rating. BSD2 was compared to 96 industry peers in the Banks industry. BSD2 may be in some trouble as it scores bad on both profitability and health. BSD2 is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
BSD2 had positive earnings in the past year.
BSD2 had positive earnings in 4 of the past 5 years.
Of the past 5 years BSD2 4 years had a positive operating cash flow.
1.2 Ratios
BSD2 has a Return On Assets of 0.74%. This is comparable to the rest of the industry: BSD2 outperforms 50.53% of its industry peers.
BSD2's Return On Equity of 13.46% is fine compared to the rest of the industry. BSD2 outperforms 67.37% 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
Looking at the Profit Margin, with a value of 19.79%, BSD2 is doing worse than 64.21% of the companies in the same industry.
BSD2's Profit Margin has improved in the last couple of years.
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) | 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
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
BSD2 has less shares outstanding than it did 5 years ago.
BSD2 has a worse debt/assets ratio than last year.
2.2 Solvency
BSD2 has a Debt/Equity ratio of 3.13. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of BSD2 (3.13) is worse than 68.42% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.13 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.23%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
BSD2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.22%, which is quite good.
The Earnings Per Share has been growing by 16.42% on average over the past years. This is quite good.
The Revenue has been growing slightly by 0.08% in the past year.
The Revenue has been growing slightly by 3.17% on average over the past years.
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
The Earnings Per Share is expected to grow by 3.29% 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 2.63% yearly.
EPS Next Y15.98%
EPS Next 2Y11.72%
EPS Next 3Y12.13%
EPS Next 5Y3.29%
Revenue Next Year0.99%
Revenue Next 2Y-0.01%
Revenue Next 3Y1.17%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 10.28, the valuation of BSD2 can be described as reasonable.
BSD2's Price/Earnings ratio is in line with the industry average.
BSD2's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 26.06.
BSD2 is valuated reasonably with a Price/Forward Earnings ratio of 9.20.
76.84% of the companies in the same industry are more expensive than BSD2, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of BSD2 to the average of the S&P500 Index (32.73), we can say BSD2 is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.28 | ||
| Fwd PE | 9.2 |
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.
A more expensive valuation may be justified as BSD2's earnings are expected to grow with 12.13% in the coming years.
PEG (NY)0.64
PEG (5Y)0.63
EPS Next 2Y11.72%
EPS Next 3Y12.13%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 2.04%, BSD2 has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.84, BSD2's dividend is way lower than its industry peers. On top of this 91.58% 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 2.37.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
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
DPN/A
EPS Next 2Y11.72%
EPS Next 3Y12.13%
FRA:BSD2 (11/7/2025, 7:00:00 PM)
8.842
-0.09 (-1.01%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.09%
Inst Owner ChangeN/A
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap130.71B
Revenue(TTM)68.73B
Net Income(TTM)13.60B
Analysts80
Price Target9.15 (3.48%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
Yearly Dividend0.19
Dividend Growth(5Y)-2.45%
DPN/A
Div Incr Years3
Div Non Decr Years3
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)4.6%
PT rev (3m)23.21%
EPS NQ rev (1m)-2.29%
EPS NQ rev (3m)12.42%
EPS NY rev (1m)-0.26%
EPS NY rev (3m)5.85%
Revenue NQ rev (1m)1.22%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)0.35%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.28 | ||
| Fwd PE | 9.2 | ||
| P/S | 1.9 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.29 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.86
EY9.73%
EPS(NY)0.96
Fwd EY10.87%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.65
BVpS6.84
TBVpS5.67
PEG (NY)0.64
PEG (5Y)0.63
Graham Number11.5
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
WACC5.23%
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 Y15.98%
EPS Next 2Y11.72%
EPS Next 3Y12.13%
EPS Next 5Y3.29%
Revenue 1Y (TTM)0.08%
Revenue growth 3Y8.95%
Revenue growth 5Y3.17%
Sales Q2Q%0.87%
Revenue Next Year0.99%
Revenue Next 2Y-0.01%
Revenue Next 3Y1.17%
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 / BSD2.DE FAQ
What is the fundamental rating for BSD2 stock?
ChartMill assigns a fundamental rating of 3 / 10 to BSD2.DE.
What is the valuation status for BSD2 stock?
ChartMill assigns a valuation rating of 5 / 10 to BANCO SANTANDER SA (BSD2.DE). This can be considered as Fairly Valued.
How profitable is BANCO SANTANDER SA (BSD2.DE) stock?
BANCO SANTANDER SA (BSD2.DE) has a profitability rating of 3 / 10.
How financially healthy is BANCO SANTANDER SA?
The financial health rating of BANCO SANTANDER SA (BSD2.DE) is 1 / 10.
Can you provide the expected EPS growth for BSD2 stock?
The Earnings per Share (EPS) of BANCO SANTANDER SA (BSD2.DE) is expected to grow by 15.98% in the next year.