BANCO SANTANDER SA-SPON ADR (SAN) Stock Fundamental Analysis
NYSE:SAN - New York Stock Exchange, Inc. - US05964H1059 - ADR - Currency: USD
Overall SAN gets a fundamental rating of 3 out of 10. We evaluated SAN against 396 industry peers in the Banks industry. Both the profitability and financial health of SAN have multiple concerns. SAN has a valuation in line with the averages, but it does not seem to be growing.
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.
Of the past 5 years SAN 4 years were profitable.
SAN had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
SAN's Return On Assets of 0.68% is on the low side compared to the rest of the industry. SAN is outperformed by 63.13% 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 86.36% 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: 69.95% 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
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.
Compared to 5 years ago, SAN has less shares outstanding
Compared to 1 year ago, SAN has a worse debt to assets ratio.
2.2 Solvency
A Debt/Equity ratio of 3.30 is on the high side and indicates that SAN has dependencies on debt financing.
With a Debt to Equity ratio value of 3.30, SAN is not doing good in the industry: 94.44% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.3 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.23%
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 20.90%, which is quite impressive.
The Earnings Per Share has been growing by 16.42% on average over the past years. This is quite good.
The Revenue has been growing slightly by 7.01% in the past year.
SAN shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 3.17% yearly.
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
Based on estimates for the next years, SAN will show a small growth in Earnings Per Share. The EPS will grow by 1.39% on average per year.
SAN is expected to show a decrease in Revenue. In the coming years, the Revenue will decrease by -0.27% yearly.
EPS Next Y9.57%
EPS Next 2Y9.52%
EPS Next 3Y10.59%
EPS Next 5Y1.39%
Revenue Next Year1.08%
Revenue Next 2Y1.77%
Revenue Next 3Y2.32%
Revenue Next 5Y-0.27%
3.3 Evolution
The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 7.92 indicates a rather cheap valuation of SAN.
91.67% of the companies in the same industry are more expensive than SAN, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.29. SAN is valued rather cheaply when compared to this.
With a Price/Forward Earnings ratio of 6.94, the valuation of SAN can be described as very cheap.
Based on the Price/Forward Earnings ratio, SAN is valued cheaply inside the industry as 87.12% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, SAN is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.92 | ||
| Fwd PE | 6.94 |
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)0.83
PEG (5Y)0.48
EPS Next 2Y9.52%
EPS Next 3Y10.59%
5. Dividend
5.1 Amount
SAN has a Yearly Dividend Yield of 2.42%. Purely for dividend investing, there may be better candidates out there.
SAN's Dividend Yield is slightly below the industry average, which is at 3.46.
SAN's Dividend Yield is comparable with the S&P500 average which is at 2.38.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
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
23.99% of the earnings are spent on dividend by SAN. This is a low number and sustainable payout ratio.
DP23.99%
EPS Next 2Y9.52%
EPS Next 3Y10.59%
NYSE:SAN (6/3/2025, 1:25:48 PM)
7.9207
-0.1 (-1.24%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners32.51%
Inst Owner Change2.28%
Ins Owners1.5%
Ins Owner ChangeN/A
Market Cap117.84B
Analysts81.38
Price Target7.74 (-2.28%)
Short Float %0.04%
Short Ratio1.06
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.42% |
Yearly Dividend0.24
Dividend Growth(5Y)-2.45%
DP23.99%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)0.05%
PT rev (3m)26.42%
EPS NQ rev (1m)1.48%
EPS NQ rev (3m)18.16%
EPS NY rev (1m)0.24%
EPS NY rev (3m)5.42%
Revenue NQ rev (1m)-0.42%
Revenue NQ rev (3m)2.1%
Revenue NY rev (1m)-0.12%
Revenue NY rev (3m)0.47%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 7.92 | ||
| Fwd PE | 6.94 | ||
| P/S | 1.45 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.05 | ||
| P/tB | 1.3 | ||
| EV/EBITDA | N/A |
EPS(TTM)1
EY12.63%
EPS(NY)1.14
Fwd EY14.41%
FCF(TTM)-2.67
FCFYN/A
OCF(TTM)-1.85
OCFYN/A
SpS5.46
BVpS7.57
TBVpS6.09
PEG (NY)0.83
PEG (5Y)0.48
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
WACC5.23%
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 5Y1.39%
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 5Y-0.27%
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