BANCO SANTANDER SA-SPON ADR (SAN) Stock Fundamental Analysis
USA • New York Stock Exchange • NYSE:SAN • US05964H1059
12.73 USD
-0.07 (-0.55%)
At close: Feb 10, 2026
12.8 USD
+0.07 (+0.55%)
After Hours: 2/10/2026, 8:04:00 PM
Taking everything into account, SAN scores 3 out of 10 in our fundamental rating. SAN was compared to 381 industry peers in the Banks industry. Both the profitability and financial health of SAN have multiple concerns. SAN is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
- In the past year SAN was profitable.
- SAN had positive earnings in each of the past 5 years.
- The reported operating cash flow has been mixed in the past 5 years: SAN reported negative operating cash flow in multiple years.
1.2 Ratios
- Looking at the Return On Assets, with a value of 1.31%, SAN belongs to the top of the industry, outperforming 81.89% of the companies in the same industry.
- SAN's Return On Equity of 23.69% is amongst the best of the industry. SAN outperforms 98.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 23.69% | ||
| ROIC | N/A |
ROA(3y)0.69%
ROA(5y)0.62%
ROE(3y)12.68%
ROE(5y)11.63%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- SAN has a Profit Margin of 21.03%. This is in the lower half of the industry: SAN underperforms 64.30% of its industry peers.
- 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) | 21.03% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y11.32%
PM growth 5YN/A
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.
- The number of shares outstanding for SAN has been reduced compared to 1 year ago.
- The number of shares outstanding for SAN has been reduced compared to 5 years ago.
- SAN has a better debt/assets ratio than last year.
2.2 Solvency
- A Debt/Equity ratio of 3.14 is on the high side and indicates that SAN has dependencies on debt financing.
- SAN has a Debt to Equity ratio of 3.14. This is amonst the worse of the industry: SAN underperforms 92.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.72%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- SAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.88%, which is quite good.
- SAN shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 28.09% yearly.
- The Revenue has grown by 67.59% in the past year. This is a very strong growth!
- SAN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 4.37% yearly.
EPS 1Y (TTM)16.88%
EPS 3Y18.64%
EPS 5Y28.09%
EPS Q2Q%20%
Revenue 1Y (TTM)67.59%
Revenue growth 3Y2.1%
Revenue growth 5Y4.37%
Sales Q2Q%-5.38%
3.2 Future
- The Earnings Per Share is expected to decrease by -0.30% 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 2.59% yearly.
EPS Next Y11.34%
EPS Next 2Y12.12%
EPS Next 3Y9.01%
EPS Next 5Y-0.3%
Revenue Next Year-0.61%
Revenue Next 2Y1.51%
Revenue Next 3Y2.25%
Revenue Next 5Y2.59%
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 decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 11.90, the valuation of SAN can be described as very reasonable.
- Based on the Price/Earnings ratio, SAN is valued a bit cheaper than the industry average as 62.47% of the companies are valued more expensively.
- SAN is valuated cheaply when we compare the Price/Earnings ratio to 28.03, which is the current average of the S&P500 Index.
- With a Price/Forward Earnings ratio of 10.69, the valuation of SAN can be described as very reasonable.
- SAN's Price/Forward Earnings is on the same level as the industry average.
- SAN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.97.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.9 | ||
| Fwd PE | 10.69 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- SAN's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.05
PEG (5Y)0.42
EPS Next 2Y12.12%
EPS Next 3Y9.01%
5. Dividend
5.1 Amount
- SAN has a Yearly Dividend Yield of 1.69%.
- SAN's Dividend Yield is slightly below the industry average, which is at 2.53.
- Compared to an average S&P500 Dividend Yield of 1.80, SAN has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
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's earnings and Dividend Rate are declining. This means the current dividend is most likely not sustainable.
DPN/A
EPS Next 2Y12.12%
EPS Next 3Y9.01%
12.73
-0.07 (-0.55%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03 2026-02-03/amc
Earnings (Next)04-29 2026-04-29
Inst Owners38.26%
Inst Owner Change0.27%
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap186.98B
Revenue(TTM)116.21B
Net Income(TTM)24.44B
Analysts78.62
Price Target12.71 (-0.16%)
Short Float %0.03%
Short Ratio1.28
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.69% |
Yearly Dividend0.23
Dividend Growth(5Y)-2.45%
DPN/A
Div Incr Years3
Div Non Decr Years3
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.17%
Min EPS beat(2)4.46%
Max EPS beat(2)13.88%
EPS beat(4)3
Avg EPS beat(4)4.69%
Min EPS beat(4)-0.99%
Max EPS beat(4)13.88%
EPS beat(8)5
Avg EPS beat(8)7.43%
EPS beat(12)8
Avg EPS beat(12)6.59%
EPS beat(16)12
Avg EPS beat(16)5.89%
Revenue beat(2)0
Avg Revenue beat(2)-2.6%
Min Revenue beat(2)-3.67%
Max Revenue beat(2)-1.53%
Revenue beat(4)1
Avg Revenue beat(4)-1.6%
Min Revenue beat(4)-3.67%
Max Revenue beat(4)0.1%
Revenue beat(8)3
Avg Revenue beat(8)-0.81%
Revenue beat(12)5
Avg Revenue beat(12)0.97%
Revenue beat(16)9
Avg Revenue beat(16)8.29%
PT rev (1m)12.54%
PT rev (3m)19%
EPS NQ rev (1m)10.99%
EPS NQ rev (3m)11.26%
EPS NY rev (1m)0.46%
EPS NY rev (3m)4.87%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.45%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 11.9 | ||
| Fwd PE | 10.69 | ||
| P/S | 1.35 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.52 | ||
| P/tB | 1.83 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.07
EY8.41%
EPS(NY)1.19
Fwd EY9.36%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.41
BVpS8.35
TBVpS6.95
PEG (NY)1.05
PEG (5Y)0.42
Graham Number14.18
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.31% | ||
| ROE | 23.69% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 21.03% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.69%
ROA(5y)0.62%
ROE(3y)12.68%
ROE(5y)11.63%
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 3Y11.32%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| 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
WACC5.72%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.88%
EPS 3Y18.64%
EPS 5Y28.09%
EPS Q2Q%20%
EPS Next Y11.34%
EPS Next 2Y12.12%
EPS Next 3Y9.01%
EPS Next 5Y-0.3%
Revenue 1Y (TTM)67.59%
Revenue growth 3Y2.1%
Revenue growth 5Y4.37%
Sales Q2Q%-5.38%
Revenue Next Year-0.61%
Revenue Next 2Y1.51%
Revenue Next 3Y2.25%
Revenue Next 5Y2.59%
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 1YN/A
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1YN/A
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.
Can you provide the valuation status for BANCO SANTANDER SA-SPON ADR?
ChartMill assigns a valuation rating of 5 / 10 to BANCO SANTANDER SA-SPON ADR (SAN). This can be considered as Fairly Valued.
Can you provide the profitability details for BANCO SANTANDER SA-SPON ADR?
BANCO SANTANDER SA-SPON ADR (SAN) has a profitability rating of 3 / 10.
What is the valuation of BANCO SANTANDER SA-SPON ADR based on its PE and PB ratios?
The Price/Earnings (PE) ratio for BANCO SANTANDER SA-SPON ADR (SAN) is 11.9 and the Price/Book (PB) ratio is 1.52.
How financially healthy is BANCO SANTANDER SA-SPON ADR?
The financial health rating of BANCO SANTANDER SA-SPON ADR (SAN) is 1 / 10.