SAN Fundamental Analysis - BANCO SANTANDER SA-SPON ADR

Fundamental Rating

SAN gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 395 industry peers in the Banks industry. SAN has a bad profitability rating. Also its financial health evaluation is rather negative. SAN has a decent growth rate and is not valued too expensively.

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1. Profitability

1.1 Basic Checks

SAN had positive earnings in the past year.

SAN had a negative operating cash flow in the past year.

SAN had positive earnings in 4 of the past 5 years.

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

1.2 Ratios

SAN has a Return On Assets of 0.68%. This is in the lower half of the industry: SAN underperforms 63.04% of its industry peers.

The Return On Equity of SAN (12.75%) is better than 86.58% 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

Looking at the Profit Margin, with a value of 17.68%, SAN is doing worse than 69.87% of the companies in the same industry.

SAN's Profit Margin has improved in the last couple of years.

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)	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

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

Compared to 5 years ago, SAN has less shares outstanding

SAN has a worse debt/assets ratio than last year.

2.2 Solvency

A Debt/Equity ratio of 3.30 is on the high side and indicates that SAN has dependencies on debt financing.

The Debt to Equity ratio of SAN (3.30) is worse than 94.43% of its industry peers.

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

ROIC/WACCN/A

WACC5.07%

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 impressive 20.90% over the past year.

Measured over the past years, SAN shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.42% on average per year.

Looking at the last year, SAN 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)20.9%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%23.53%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%3.27%

3.2 Future

The Earnings Per Share is expected to grow by 4.64% on average over the next years.

The Revenue is expected to grow by 1.69% on average over the next years.

EPS Next Y9.57%

EPS Next 2Y9.52%

EPS Next 3Y10.59%

EPS Next 5Y4.64%

Revenue Next Year1.08%

Revenue Next 2Y1.77%

Revenue Next 3Y2.32%

Revenue Next 5Y1.69%

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

SAN is valuated reasonably with a Price/Earnings ratio of 8.17.

Based on the Price/Earnings ratio, SAN is valued cheaply inside the industry as 92.41% of the companies are valued more expensively.

When comparing the Price/Earnings ratio of SAN to the average of the S&P500 Index (26.65), we can say SAN is valued rather cheaply.

SAN is valuated cheaply with a Price/Forward Earnings ratio of 7.19.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SAN indicates a rather cheap valuation: SAN is cheaper than 88.35% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of SAN to the average of the S&P500 Index (21.27), we can say SAN is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.17
Fwd PE	7.19

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

SAN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.85

PEG (5Y)0.5

EPS Next 2Y9.52%

EPS Next 3Y10.59%

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5. Dividend

5.1 Amount

SAN has a Yearly Dividend Yield of 2.50%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 3.61, SAN is paying slightly less dividend.

Compared to an average S&P500 Dividend Yield of 2.44, SAN has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.5%

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

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

DP23.99%

EPS Next 2Y9.52%

EPS Next 3Y10.59%

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BANCO SANTANDER SA-SPON ADR

NYSE:SAN (6/24/2025, 1:42:08 PM)

8.25

+0.25 (+3.13%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/bmo

Earnings (Next)07-30 2025-07-30

Inst Owners28.2%

Inst Owner Change2.28%

Ins Owners0.47%

Ins Owner ChangeN/A

Market Cap122.65B

Analysts81.48

Price Target8.57 (3.88%)

Short Float %0.03%

Short Ratio0.75

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.5%

Yearly Dividend0.24

Dividend Growth(5Y)-2.45%

DP23.99%

Div Incr Years3

Div Non Decr Years3

Ex-Date04-30 2025-04-30 (0.12408)

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)10.71%

PT rev (3m)32.14%

EPS NQ rev (1m)0.13%

EPS NQ rev (3m)5.38%

EPS NY rev (1m)0.13%

EPS NY rev (3m)5.05%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)-0.48%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.14%

Valuation

		Industry Rank	Sector Rank
PE	8.17
Fwd PE	7.19
P/S	1.5
P/FCF	N/A
P/OCF	N/A
P/B	1.08
P/tB	1.35
EV/EBITDA	N/A

EPS(TTM)1.01

EY12.24%

EPS(NY)1.15

Fwd EY13.91%

FCF(TTM)-2.68

FCFYN/A

OCF(TTM)-1.86

OCFYN/A

SpS5.49

BVpS7.61

TBVpS6.12

PEG (NY)0.85

PEG (5Y)0.5

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

WACC5.07%

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)20.9%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%23.53%

EPS Next Y9.57%

EPS Next 2Y9.52%

EPS Next 3Y10.59%

EPS Next 5Y4.64%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%3.27%

Revenue Next Year1.08%

Revenue Next 2Y1.77%

Revenue Next 3Y2.32%

Revenue Next 5Y1.69%

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) 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