BANCO SANTANDER SA-SPON ADR (SAN) Fundamental Analysis & Valuation
NYSE:SAN • US05964H1059
Current stock price
11.465 USD
+0.05 (+0.48%)
Last:
This SAN fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. SAN Profitability Analysis
1.1 Basic Checks
- SAN had positive earnings in the past year.
- SAN had a negative operating cash flow in the past year.
- In the past 5 years SAN has always been profitable.
- 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
- SAN has a Return On Assets of 1.31%. This is in the better half of the industry: SAN outperforms 80.00% of its industry peers.
- SAN has a better Return On Equity (23.69%) than 98.68% 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's Profit Margin of 21.03% is on the low side compared to the rest of the industry. SAN is outperformed by 69.21% of its industry peers.
- In the last couple of years the Profit Margin of SAN has grown nicely.
- SAN 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) | 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. SAN Health Analysis
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.
- SAN has less shares outstanding than it did 5 years ago.
- The debt/assets ratio for SAN has been reduced compared to a year ago.
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 92.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.59%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. SAN Growth Analysis
3.1 Past
- The Earnings Per Share has grown by an nice 16.88% over the past year.
- 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!
- The Revenue has been growing slightly by 4.37% on average over the past years.
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
- Based on estimates for the next years, SAN will show a small growth in Earnings Per Share. The EPS will grow by 7.11% on average per year.
- SAN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 5.05% yearly.
EPS Next Y13.04%
EPS Next 2Y14.9%
EPS Next 3Y14.01%
EPS Next 5Y7.11%
Revenue Next Year0.7%
Revenue Next 2Y3.15%
Revenue Next 3Y3.81%
Revenue Next 5Y5.05%
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 stable.
4. SAN Valuation Analysis
4.1 Price/Earnings Ratio
- SAN is valuated reasonably with a Price/Earnings ratio of 10.92.
- SAN's Price/Earnings ratio is a bit cheaper when compared to the industry. SAN is cheaper than 67.89% of the companies in the same industry.
- SAN is valuated cheaply when we compare the Price/Earnings ratio to 26.17, which is the current average of the S&P500 Index.
- Based on the Price/Forward Earnings ratio of 9.66, the valuation of SAN can be described as reasonable.
- Based on the Price/Forward Earnings ratio, SAN is valued a bit cheaper than 65.26% of the companies in the same industry.
- Compared to an average S&P500 Price/Forward Earnings ratio of 23.05, SAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.92 | ||
| Fwd PE | 9.66 |
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.
- A more expensive valuation may be justified as SAN's earnings are expected to grow with 14.01% in the coming years.
PEG (NY)0.84
PEG (5Y)0.39
EPS Next 2Y14.9%
EPS Next 3Y14.01%
5. SAN Dividend Analysis
5.1 Amount
- With a Yearly Dividend Yield of 2.07%, SAN has a reasonable but not impressive dividend return.
- SAN's Dividend Yield is slightly below the industry average, which is at 2.73.
- Compared to an average S&P500 Dividend Yield of 1.89, SAN has a dividend comparable with the average S&P500 company.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
5.2 History
- 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)N/A
Div Incr Years4
Div Non Decr Years4
5.3 Sustainability
- SAN pays out 13.67% of its income as dividend. This is a sustainable payout ratio.
DP13.67%
EPS Next 2Y14.9%
EPS Next 3Y14.01%
SAN Fundamentals: All Metrics, Ratios and Statistics
NYSE:SAN (4/6/2026, 1:25:42 PM)
11.465
+0.05 (+0.48%)
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 Owners38.81%
Inst Owner Change0%
Ins Owners0.49%
Ins Owner ChangeN/A
Market Cap166.31B
Revenue(TTM)116.21B
Net Income(TTM)24.44B
Analysts77.93
Price Target13.44 (17.23%)
Short Float %0.52%
Short Ratio4.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.07% |
Yearly Dividend0.26
Dividend Growth(5Y)N/A
DP13.67%
Div Incr Years4
Div Non Decr Years4
Ex-Date05-04 2026-05-04 (0.147312)
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)0%
PT rev (3m)19%
EPS NQ rev (1m)1.25%
EPS NQ rev (3m)18.71%
EPS NY rev (1m)1.25%
EPS NY rev (3m)3.27%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.82%
Revenue NY rev (1m)0.04%
Revenue NY rev (3m)0.73%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.92 | ||
| Fwd PE | 9.66 | ||
| P/S | 1.24 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.4 | ||
| P/tB | 1.68 | ||
| EV/EBITDA | N/A |
EPS(TTM)1.05
EY9.16%
EPS(NY)1.19
Fwd EY10.35%
FCF(TTM)-1.79
FCFYN/A
OCF(TTM)-1.18
OCFYN/A
SpS9.23
BVpS8.2
TBVpS6.82
PEG (NY)0.84
PEG (5Y)0.39
Graham Number13.92
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-Score7
Asset Turnover0.06
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.14 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 241% | ||
| Cap/Sales | 6.59% | ||
| 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-Score7
WACC5.59%
ROIC/WACCN/A
Cap/Depr(3y)330.41%
Cap/Depr(5y)353.63%
Cap/Sales(3y)15.86%
Cap/Sales(5y)17.22%
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 Y13.04%
EPS Next 2Y14.9%
EPS Next 3Y14.01%
EPS Next 5Y7.11%
Revenue 1Y (TTM)67.59%
Revenue growth 3Y2.1%
Revenue growth 5Y4.37%
Sales Q2Q%-5.38%
Revenue Next Year0.7%
Revenue Next 2Y3.15%
Revenue Next 3Y3.81%
Revenue Next 5Y5.05%
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 1Y35.27%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y38.58%
OCF growth 3YN/A
OCF growth 5YN/A
BANCO SANTANDER SA-SPON ADR / SAN Fundamental Analysis 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.
How profitable is BANCO SANTANDER SA-SPON ADR (SAN) stock?
BANCO SANTANDER SA-SPON ADR (SAN) has a profitability rating of 3 / 10.
Can you provide the PE and PB ratios for SAN stock?
The Price/Earnings (PE) ratio for BANCO SANTANDER SA-SPON ADR (SAN) is 10.92 and the Price/Book (PB) ratio is 1.4.
How sustainable is the dividend of BANCO SANTANDER SA-SPON ADR (SAN) stock?
The dividend rating of BANCO SANTANDER SA-SPON ADR (SAN) is 4 / 10 and the dividend payout ratio is 13.67%.