BANCO SANTANDER SA-SPON ADR (SAN) Stock Fundamental Analysis
USA - New York Stock Exchange - NYSE:SAN - US05964H1059 - ADR
10.17 USD
+0.11 (+1.09%)
10.25 USD
+0.08 (+0.79%)
We assign a fundamental rating of 3 out of 10 to SAN. SAN was compared to 388 industry peers in the Banks industry. SAN may be in some trouble as it scores bad on both profitability and health. SAN has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year SAN was profitable.
Of the past 5 years SAN 4 years were profitable.
SAN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.74%, SAN is not doing good in the industry: 62.72% of the companies in the same industry are doing better.
With an excellent Return On Equity value of 13.46%, SAN belongs to the best of the industry, outperforming 90.75% of the companies in the same industry.
| 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
SAN has a Profit Margin of 19.79%. This is in the lower half of the industry: SAN underperforms 65.55% of its industry peers.
In the last couple of years the Profit Margin of SAN has grown nicely.
The Operating Margin and Gross Margin are not available for SAN 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
SAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, SAN has less shares outstanding
The number of shares outstanding for SAN has been reduced compared to 5 years ago.
The debt/assets ratio for SAN is higher compared to a year ago.
2.2 Solvency
SAN has a Debt/Equity ratio of 3.13. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.13, SAN is not doing good in the industry: 93.06% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.13 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.22%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.22% over the past year.
SAN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.42% yearly.
SAN shows a small growth in Revenue. In the last year, the Revenue has grown by 0.08%.
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
SAN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.29% yearly.
SAN 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
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 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 10.38, the valuation of SAN can be described as reasonable.
Based on the Price/Earnings ratio, SAN is valued a bit cheaper than 68.64% of the companies in the same industry.
When comparing the Price/Earnings ratio of SAN to the average of the S&P500 Index (25.45), we can say SAN is valued rather cheaply.
A Price/Forward Earnings ratio of 9.25 indicates a reasonable valuation of SAN.
Compared to the rest of the industry, the Price/Forward Earnings ratio of SAN indicates a somewhat cheap valuation: SAN is cheaper than 62.47% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.46, SAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.38 | ||
| Fwd PE | 9.25 |
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.
SAN's earnings are expected to grow with 12.13% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.65
PEG (5Y)0.63
EPS Next 2Y11.72%
EPS Next 3Y12.13%
5. Dividend
5.1 Amount
SAN has a Yearly Dividend Yield of 2.04%.
Compared to an average industry Dividend Yield of 3.35, SAN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.42, SAN has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
5.2 History
The dividend of SAN decreases each year by -2.45%.
SAN has been paying a dividend for at least 10 years, so it has a reliable track record.
SAN has not decreased its dividend in the last 3 years.
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%
10.17
+0.11 (+1.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners36.09%
Inst Owner Change-51.84%
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap150.34B
Revenue(TTM)68.73B
Net Income(TTM)13.60B
Analysts80
Price Target11.07 (8.85%)
Short Float %0.02%
Short Ratio0.68
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.04% |
Yearly Dividend0.22
Dividend Growth(5Y)-2.45%
DPN/A
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)7.89%
PT rev (3m)15.57%
EPS NQ rev (1m)-11.68%
EPS NQ rev (3m)-0.64%
EPS NY rev (1m)-8.86%
EPS NY rev (3m)-6.81%
Revenue NQ rev (1m)1.22%
Revenue NQ rev (3m)1.81%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)0.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.38 | ||
| Fwd PE | 9.25 | ||
| 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)0.98
EY9.64%
EPS(NY)1.1
Fwd EY10.82%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS5.36
BVpS7.88
TBVpS6.53
PEG (NY)0.65
PEG (5Y)0.63
Graham Number13.18
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
WACC5.22%
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-SPON ADR / SAN FAQ
Can you provide the ChartMill fundamental rating for BANCO SANTANDER SA-SPON ADR?
ChartMill assigns a fundamental rating of 3 / 10 to SAN.
What is the valuation status for SAN stock?
ChartMill assigns a valuation rating of 5 / 10 to BANCO SANTANDER SA-SPON ADR (SAN). This can be considered as Fairly Valued.
What is the profitability of SAN stock?
BANCO SANTANDER SA-SPON ADR (SAN) has a profitability rating of 3 / 10.
What is the expected EPS growth for BANCO SANTANDER SA-SPON ADR (SAN) stock?
The Earnings per Share (EPS) of BANCO SANTANDER SA-SPON ADR (SAN) is expected to grow by 15.98% in the next year.