BSD2 Fundamental Analysis - BANCO SANTANDER SA

Fundamental Rating

Overall BSD2 gets a fundamental rating of 3 out of 10. We evaluated BSD2 against 96 industry peers in the Banks industry. BSD2 may be in some trouble as it scores bad on both profitability and health. BSD2 has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

BSD2 had positive earnings in the past year.

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

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

The Return On Assets of BSD2 (0.68%) is comparable to the rest of the industry.

BSD2 has a Return On Equity of 12.75%. This is in the better half of the industry: BSD2 outperforms 62.50% 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

BSD2 has a Profit Margin of 17.68%. This is in the lower half of the industry: BSD2 underperforms 65.63% 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.

BSD2 has less shares outstanding than it did 1 year ago.

BSD2 has less shares outstanding than it did 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.

Looking at the Debt to Equity ratio, with a value of 3.30, BSD2 is doing worse than 70.83% of the companies in the same industry.

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

ROIC/WACCN/A

WACC5.2%

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

BSD2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.90%, which is quite good.

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

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

The Revenue has been growing slightly by 3.17% on average over the past years.

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

BSD2 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 4.89% yearly.

Based on estimates for the next years, BSD2 will show a small growth in Revenue. The Revenue will grow by 1.05% on average per year.

EPS Next Y14.13%

EPS Next 2Y9.7%

EPS Next 3Y10.77%

EPS Next 5Y4.89%

Revenue Next Year0.63%

Revenue Next 2Y-0.53%

Revenue Next 3Y0.81%

Revenue Next 5Y1.05%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 9.75, the valuation of BSD2 can be described as reasonable.

BSD2's Price/Earnings is on the same level as the industry average.

The average S&P500 Price/Earnings ratio is at 27.06. BSD2 is valued rather cheaply when compared to this.

BSD2 is valuated reasonably with a Price/Forward Earnings ratio of 8.74.

Based on the Price/Forward Earnings ratio, BSD2 is valued a bit cheaper than the industry average as 76.04% of the companies are valued more expensively.

The average S&P500 Price/Forward Earnings ratio is at 22.69. BSD2 is valued rather cheaply when compared to this.

		Industry Rank	Sector Rank
PE	9.75
Fwd PE	8.74

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)0.69

PEG (5Y)0.59

EPS Next 2Y9.7%

EPS Next 3Y10.77%

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5. Dividend

5.1 Amount

BSD2 has a Yearly Dividend Yield of 2.07%.

Compared to an average industry Dividend Yield of 5.12, BSD2's dividend is way lower than its industry peers. On top of this 92.71% of the companies listed in the same industry pay a better dividend than BSD2!

Compared to an average S&P500 Dividend Yield of 2.41, BSD2 has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.07%

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

23.99% of the earnings are spent on dividend by BSD2. This is a low number and sustainable payout ratio.

DP23.99%

EPS Next 2Y9.7%

EPS Next 3Y10.77%

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BANCO SANTANDER SA

FRA:BSD2 (9/5/2025, 7:00:00 PM)

8.095

-0.09 (-1.16%)

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 Owners28.2%

Inst Owner ChangeN/A

Ins Owners0.47%

Ins Owner ChangeN/A

Market Cap120.22B

Analysts80.71

Price Target8.33 (2.9%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.07%

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)12.08%

PT rev (3m)20.93%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)4.17%

EPS NY rev (3m)4.17%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)-0.01%

Revenue NY rev (3m)-0.45%

Valuation

		Industry Rank	Sector Rank
PE	9.75
Fwd PE	8.74
P/S	1.69
P/FCF	N/A
P/OCF	N/A
P/B	1.22
P/tB	1.52
EV/EBITDA	N/A

EPS(TTM)0.83

EY10.25%

EPS(NY)0.93

Fwd EY11.45%

FCF(TTM)-2.34

FCFYN/A

OCF(TTM)-1.63

OCFYN/A

SpS4.79

BVpS6.64

TBVpS5.34

PEG (NY)0.69

PEG (5Y)0.59

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

WACC5.2%

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 Y14.13%

EPS Next 2Y9.7%

EPS Next 3Y10.77%

EPS Next 5Y4.89%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%-1.26%

Revenue Next Year0.63%

Revenue Next 2Y-0.53%

Revenue Next 3Y0.81%

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