BANCO SANTANDER SA-SPON ADR (SAN) Stock Fundamental Analysis

NYSE:SAN • US05964H1059

11.03 USD
-0.93 (-7.78%)
At close: Mar 3, 2026
11.21 USD
+0.18 (+1.63%)
After Hours: 3/3/2026, 8:04:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Taking everything into account, SAN scores 3 out of 10 in our fundamental rating. SAN was compared to 379 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.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year SAN was profitable.
  • SAN had positive earnings in each of the past 5 years.
  • In multiple years SAN reported negative operating cash flow during the last 5 years.
SAN Yearly Net Income VS EBIT VS OCF VS FCFSAN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B 60B

1.2 Ratios

  • SAN has a better Return On Assets (1.31%) than 81.53% of its industry peers.
  • SAN has a better Return On Equity (23.69%) than 98.68% of its industry peers.
Industry RankSector 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
SAN Yearly ROA, ROE, ROICSAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 5 -5 10 -10

1.3 Margins

  • With a Profit Margin value of 21.03%, SAN is not doing good in the industry: 65.44% of the companies in the same industry are doing better.
  • 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 RankSector 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
SAN Yearly Profit, Operating, Gross MarginsSAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

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.
  • SAN has less shares outstanding than it did 5 years ago.
  • SAN has a better debt/assets ratio than last year.
SAN Yearly Shares OutstandingSAN Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5B 10B 15B
SAN Yearly Total Debt VS Total AssetsSAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500B 1T 1.5T

2.2 Solvency

  • SAN has a Debt/Equity ratio of 3.14. This is a high value indicating a heavy dependency on external financing.
  • SAN has a worse Debt to Equity ratio (3.14) than 92.88% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.14
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.55%
SAN Yearly LT Debt VS Equity VS FCFSAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 100B 200B 300B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SAN Yearly Current Assets VS Current LiabilitesSAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 1B 2B 3B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

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

  • 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 2.74% yearly.
EPS Next Y11.34%
EPS Next 2Y12.12%
EPS Next 3Y9.01%
EPS Next 5Y-0.3%
Revenue Next Year0.07%
Revenue Next 2Y2.61%
Revenue Next 3Y3.53%
Revenue Next 5Y2.74%

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.
  • The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
SAN Yearly Revenue VS EstimatesSAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 20B 40B 60B
SAN Yearly EPS VS EstimatesSAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 0.2 0.4 0.6 0.8 1

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4

4. Valuation

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 10.50, the valuation of SAN can be described as very reasonable.
  • Compared to the rest of the industry, the Price/Earnings ratio of SAN indicates a somewhat cheap valuation: SAN is cheaper than 61.48% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.83. SAN is valued rather cheaply when compared to this.
  • SAN is valuated reasonably with a Price/Forward Earnings ratio of 9.42.
  • SAN's Price/Forward Earnings ratio is in line with the industry average.
  • The average S&P500 Price/Forward Earnings ratio is at 24.95. SAN is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.5
Fwd PE 9.42
SAN Price Earnings VS Forward Price EarningsSAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SAN Per share dataSAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8

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)0.93
PEG (5Y)0.37
EPS Next 2Y12.12%
EPS Next 3Y9.01%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

3

5. Dividend

5.1 Amount

  • SAN has a Yearly Dividend Yield of 1.75%.
  • Compared to an average industry Dividend Yield of 2.72, SAN is paying slightly less dividend.
  • Compared to an average S&P500 Dividend Yield of 1.82, SAN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 1.75%

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
SAN Yearly Dividends per shareSAN Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2021 2022 2023 2024 2025 0.05 0.1 0.15 0.2

5.3 Sustainability

  • The Dividend Rate of SAN has been decling, while earnings will also be declining. This means the current dividend is most likely not sustainable.
DPN/A
EPS Next 2Y12.12%
EPS Next 3Y9.01%
SAN Yearly Income VS Free CF VS DividendSAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 20B -20B 40B

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BANCO SANTANDER SA-SPON ADR

NYSE:SAN (3/3/2026, 8:04:00 PM)

After market: 11.21 +0.18 (+1.63%)

11.03

-0.93 (-7.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)02-03
Earnings (Next)04-29
Inst Owners38.26%
Inst Owner Change-1.81%
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap162.01B
Revenue(TTM)116.21B
Net Income(TTM)24.44B
Analysts78.62
Price Target13.44 (21.85%)
Short Float %0.29%
Short Ratio4.08
Dividend
Industry RankSector Rank
Dividend Yield 1.75%
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)12.46%
PT rev (3m)21.44%
EPS NQ rev (1m)4.66%
EPS NQ rev (3m)16.22%
EPS NY rev (1m)-0.05%
EPS NY rev (3m)4.62%
Revenue NQ rev (1m)-3.01%
Revenue NQ rev (3m)-3.01%
Revenue NY rev (1m)0.1%
Revenue NY rev (3m)0.47%
Valuation
Industry RankSector Rank
PE 10.5
Fwd PE 9.42
P/S 1.19
P/FCF N/A
P/OCF N/A
P/B 1.34
P/tB 1.61
EV/EBITDA N/A
EPS(TTM)1.05
EY9.52%
EPS(NY)1.17
Fwd EY10.62%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS9.26
BVpS8.22
TBVpS6.84
PEG (NY)0.93
PEG (5Y)0.37
Graham Number13.93
Profitability
Industry RankSector 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 RankSector 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
WACC5.55%
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 Year0.07%
Revenue Next 2Y2.61%
Revenue Next 3Y3.53%
Revenue Next 5Y2.74%
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 4 / 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 10.5 and the Price/Book (PB) ratio is 1.34.


How financially healthy is BANCO SANTANDER SA-SPON ADR?

The financial health rating of BANCO SANTANDER SA-SPON ADR (SAN) is 1 / 10.