SAN Fundamental Analysis - BANCO SANTANDER SA-SPON ADR

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to SAN. SAN was compared to 391 industry peers in the Banks industry. SAN has a bad profitability rating. Also its financial health evaluation is rather negative. SAN has a correct valuation and a medium growth rate.

Quickly go to:

1. Profitability

1.1 Basic Checks

SAN had positive earnings in the past year.

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

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

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

1.2 Ratios

SAN has a Return On Assets of 0.68%. This is in the lower half of the industry: SAN underperforms 62.66% of its industry peers.

Looking at the Return On Equity, with a value of 12.75%, SAN belongs to the top of the industry, outperforming 85.42% of the companies in the same industry.

		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

With a Profit Margin value of 17.68%, SAN is not doing good in the industry: 68.54% of the companies in the same industry are doing better.

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)	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

More info and screens

ROA

ROE

ROIC

Operating and Profit Margin

Show most profitable peers

2. Health

2.1 Basic Checks

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

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

SAN has less shares outstanding than it did 5 years ago.

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 93.35% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.3
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

More info and screens

WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

Show peers with great health

3. Growth

3.1 Past

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

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.

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

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

The Earnings Per Share is expected to grow by 3.20% on average over the next years.

SAN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.53% yearly.

EPS Next Y16.28%

EPS Next 2Y10.03%

EPS Next 3Y10.85%

EPS Next 5Y3.2%

Revenue Next Year0.84%

Revenue Next 2Y-0.14%

Revenue Next 3Y1.06%

Revenue Next 5Y2.53%

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 stable.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

SAN is valuated reasonably with a Price/Earnings ratio of 9.57.

SAN's Price/Earnings ratio is rather cheap when compared to the industry. SAN is cheaper than 82.35% of the companies in the same industry.

SAN is valuated cheaply when we compare the Price/Earnings ratio to 27.02, which is the current average of the S&P500 Index.

Based on the Price/Forward Earnings ratio of 8.50, the valuation of SAN can be described as reasonable.

Based on the Price/Forward Earnings ratio, SAN is valued a bit cheaper than the industry average as 73.15% of the companies are valued more expensively.

SAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.57, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	9.57
Fwd PE	8.5

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)0.59

PEG (5Y)0.58

EPS Next 2Y10.03%

EPS Next 3Y10.85%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

SAN has a Yearly Dividend Yield of 2.11%.

SAN's Dividend Yield is slightly below the industry average, which is at 3.60.

SAN's Dividend Yield is comparable with the S&P500 average which is at 2.44.

		Industry Rank	Sector Rank
Dividend Yield	2.11%

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 2Y10.03%

EPS Next 3Y10.85%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANCO SANTANDER SA-SPON ADR

NYSE:SAN (10/13/2025, 11:21:03 AM)

9.955

+0.21 (+2.1%)

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 Change0.01%

Ins Owners0.48%

Ins Owner ChangeN/A

Market Cap147.57B

Analysts80

Price Target10.26 (3.06%)

Short Float %0.06%

Short Ratio1.94

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.11%

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)7.12%

PT rev (3m)19.67%

EPS NQ rev (1m)0.18%

EPS NQ rev (3m)0.29%

EPS NY rev (1m)2.07%

EPS NY rev (3m)6.43%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.13%

Revenue NY rev (3m)-0.24%

Valuation

		Industry Rank	Sector Rank
PE	9.57
Fwd PE	8.5
P/S	1.79
P/FCF	N/A
P/OCF	N/A
P/B	1.29
P/tB	1.61
EV/EBITDA	N/A

EPS(TTM)1.04

EY10.45%

EPS(NY)1.17

Fwd EY11.77%

FCF(TTM)-2.71

FCFYN/A

OCF(TTM)-1.88

OCFYN/A

SpS5.55

BVpS7.69

TBVpS6.19

PEG (NY)0.59

PEG (5Y)0.58

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

WACC5.22%

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)16.9%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%10%

EPS Next Y16.28%

EPS Next 2Y10.03%

EPS Next 3Y10.85%

EPS Next 5Y3.2%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%-1.26%

Revenue Next Year0.84%

Revenue Next 2Y-0.14%

Revenue Next 3Y1.06%

Revenue Next 5Y2.53%

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