BANCO SANTANDER SA-SPON ADR(NYSE:SAN) stock Fundamental Analysis

Fundamental Rating

Overall SAN gets a fundamental rating of 3 out of 10. We evaluated SAN against 397 industry peers in the Banks industry. SAN may be in some trouble as it scores bad on both profitability and health. SAN has a valuation in line with the averages, but on the other hand it scores bad on growth.

Quickly go to:

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.

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

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

1.2 Ratios

Looking at the Return On Assets, with a value of 0.68%, SAN is doing worse than 61.96% of the companies in the same industry.

SAN's Return On Equity of 12.75% is amongst the best of the industry. SAN outperforms 86.65% of its industry peers.

		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

SAN has a worse Profit Margin (17.68%) than 68.26% 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)	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.

The number of shares outstanding for SAN has been reduced compared to 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

SAN has a Debt/Equity ratio of 3.30. This is a high value indicating a heavy dependency on external financing.

Looking at the Debt to Equity ratio, with a value of 3.30, SAN is doing worse than 94.71% of the companies in the same industry.

		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

The Earnings Per Share has grown by an nice 18.45% over the past year.

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%.

Measured over the past years, SAN shows a small growth in Revenue. The Revenue has been growing by 3.17% on average per year.

EPS 1Y (TTM)18.45%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%13.88%

Revenue 1Y (TTM)7.01%

Revenue growth 3Y8.95%

Revenue growth 5Y3.17%

Sales Q2Q%-4.4%

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.

Based on estimates for the next years, SAN will show a decrease in Revenue. The Revenue will decrease by -0.27% on average per year.

EPS Next Y9.57%

EPS Next 2Y9.52%

EPS Next 3Y10.59%

EPS Next 5Y1.39%

Revenue Next Year1.21%

Revenue Next 2Y1.85%

Revenue Next 3Y2.28%

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.

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.

More info and screens

Find the best growth stocks

Show best growing peers

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.63, which indicates a rather cheap valuation of SAN.

92.44% of the companies in the same industry are more expensive than SAN, based on the Price/Earnings ratio.

SAN's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.21.

The Price/Forward Earnings ratio is 6.57, which indicates a rather cheap valuation of SAN.

Compared to the rest of the industry, the Price/Forward Earnings ratio of SAN indicates a rather cheap valuation: SAN is cheaper than 92.70% of the companies listed in the same industry.

SAN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 20.44.

		Industry Rank	Sector Rank
PE	7.63
Fwd PE	6.57

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)0.8

PEG (5Y)0.46

EPS Next 2Y9.52%

EPS Next 3Y10.59%

More info and screens

Show best valued peers

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.59%, SAN has a reasonable but not impressive dividend return.

SAN's Dividend Yield is slightly below the industry average, which is at 3.44.

Compared to an average S&P500 Dividend Yield of 2.42, SAN has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.59%

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%

More info and screens

Find the best dividend stocks

Show peers with best dividend

BANCO SANTANDER SA-SPON ADR

NYSE:SAN (5/9/2025, 8:21:01 PM)

After market: 7.43 +0.03 (+0.41%)

7.4

+0.06 (+0.82%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)04-30 2025-04-30/bmo

Earnings (Next)07-30 2025-07-30

Inst Owners32.51%

Inst Owner Change1.18%

Ins Owners1.5%

Ins Owner ChangeN/A

Market Cap110.36B

Analysts81.38

Price Target7.74 (4.59%)

Short Float %0.04%

Short Ratio0.87

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.59%

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)8.14%

PT rev (3m)26.36%

EPS NQ rev (1m)3.44%

EPS NQ rev (3m)16.44%

EPS NY rev (1m)0.84%

EPS NY rev (3m)7.45%

Revenue NQ rev (1m)-0.06%

Revenue NQ rev (3m)2.53%

Revenue NY rev (1m)0.27%

Revenue NY rev (3m)1.07%

Valuation

		Industry Rank	Sector Rank
PE	7.63
Fwd PE	6.57
P/S	1.37
P/FCF	N/A
P/OCF	N/A
P/B	0.99
P/tB	1.23
EV/EBITDA	N/A

EPS(TTM)0.97

EY13.11%

EPS(NY)1.13

Fwd EY15.22%

FCF(TTM)-2.63

FCFYN/A

OCF(TTM)-1.83

OCFYN/A

SpS5.39

BVpS7.47

TBVpS6.01

PEG (NY)0.8

PEG (5Y)0.46

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)18.45%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%13.88%

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%-4.4%

Revenue Next Year1.21%

Revenue Next 2Y1.85%

Revenue Next 3Y2.28%

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

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