(SAN) Banco Santander S.A. - Overview
Exchange: MC •
Country: Spain •
Currency: EUR •
Type: Common Stock •
ISIN: ES0113900J37
Stock:
Total Rating 58
Risk 60
Buy Signal 1.29
| Risk 5d forecast | |
|---|---|
| Volatility | 34.2% |
| Relative Tail Risk | 3.27% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.99 |
| Alpha | 69.79 |
| Character TTM | |
|---|---|
| Beta | 0.824 |
| Beta Downside | 1.504 |
| Drawdowns 3y | |
|---|---|
| Max DD | 20.79% |
| CAGR/Max DD | 2.78 |
EPS (Earnings per Share)
Revenue
Description: SAN Banco Santander S.A.
Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; private and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, payment and collection, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, rental, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. Banco Santander, S.A. was incorporated in 1856 and is headquartered in Madrid, Spain.
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 14.10b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.00 > 0.02 and ΔFCF/TA -0.95 > 1.0 |
| NWC/Revenue: 453.5% < 20% (prev -1388 %; Δ 1841 % < -1%) |
| CFO/TA 0.00 > 3% & CFO 2.60b > Net Income 14.10b |
| Net Debt (461.58b) to EBITDA (22.39b): 20.62 < 3 |
| Current Ratio: 2.57 > 1.5 & < 3 |
| Outstanding Shares: last quarter (14.87b) vs 12m ago -8.91% < -2% |
| Gross Margin: 49.95% > 18% (prev 0.88%; Δ 4907 % > 0.5%) |
| Asset Turnover: 3.03% > 50% (prev 4.15%; Δ -1.11% > 0%) |
| Interest Coverage Ratio: 1.24 > 6 (EBITDA TTM 22.39b / Interest Expense TTM 15.53b) |
Altman Z'' 1.19
| A: 0.14 (Total Current Assets 417.38b - Total Current Liabilities 162.64b) / Total Assets 1867.52b |
| B: 0.06 (Retained Earnings 104.36b / Total Assets 1867.52b) |
| C: 0.01 (EBIT TTM 19.18b / Avg Total Assets 1852.30b) |
| D: 0.04 (Book Value of Equity 74.01b / Total Liabilities 1754.77b) |
| Altman-Z'' Score: 1.19 = BB |
Beneish M
| DSRI: none (Receivables none/11.43b, Revenue 56.17b/76.19b) |
| GMI: 1.75 (GM 49.95% / 87.52%) |
| AQI: 0.91 (AQ_t 0.77 / AQ_t-1 0.85) |
| SGI: 0.74 (Revenue 56.17b / 76.19b) |
| TATA: 0.01 (NI 14.10b - CFO 2.60b) / TA 1867.52b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of SAN shares?
As of February 26, 2026, the stock is trading at EUR 11.16 with a total of 42,949,578 shares traded.
Over the past week, the price has changed by +4.14%, over one month by +4.79%, over three months by +23.55% and over the past year by +90.28%.
Over the past week, the price has changed by +4.14%, over one month by +4.79%, over three months by +23.55% and over the past year by +90.28%.
Is SAN a buy, sell or hold?
Banco Santander S.A. has no consensus analysts rating.
What are the forecasts/targets for the SAN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 11 | -1.3% |
| Analysts Target Price | - | - |
SAN Fundamental Data Overview February 22, 2026
Market Cap USD = 186.80b (157.88b EUR * 1.1832 EUR.USD)
P/E Trailing = 13.445
P/E Forward = 10.9409
P/S = 3.1589
P/B = 1.4581
P/EG = 3.0402
Revenue TTM = 56.17b EUR
EBIT TTM = 19.18b EUR
EBITDA TTM = 22.39b EUR
Long Term Debt = 324.39b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 461.58b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 461.58b EUR (from netDebt column, last quarter)
Enterprise Value = 347.54b EUR (157.88b + Debt 461.58b - CCE 271.91b)
Interest Coverage Ratio = 1.24 (Ebit TTM 19.18b / Interest Expense TTM 15.53b)
EV/FCF = -581.2x (Enterprise Value 347.54b / FCF TTM -598.0m)
FCF Yield = -0.17% (FCF TTM -598.0m / Enterprise Value 347.54b)
FCF Margin = -1.06% (FCF TTM -598.0m / Revenue TTM 56.17b)
Net Margin = 25.10% (Net Income TTM 14.10b / Revenue TTM 56.17b)
Gross Margin = 49.95% ((Revenue TTM 56.17b - Cost of Revenue TTM 28.12b) / Revenue TTM)
Gross Margin QoQ = 79.07% (prev 79.91%)
Tobins Q-Ratio = 0.19 (Enterprise Value 347.54b / Total Assets 1867.52b)
Interest Expense / Debt = 3.36% (Interest Expense 15.53b / Debt 461.58b)
Taxrate = 24.56% (1.16b / 4.74b)
NOPAT = 14.47b (EBIT 19.18b * (1 - 24.56%))
Current Ratio = 2.57 (Total Current Assets 417.38b / Total Current Liabilities 162.64b)
Debt / Equity = 4.47 (Debt 461.58b / totalStockholderEquity, last quarter 103.17b)
Debt / EBITDA = 20.62 (Net Debt 461.58b / EBITDA 22.39b)
Debt / FCF = -771.9 (out of range, set to none) (Net Debt 461.58b / FCF TTM -598.0m)
Total Stockholder Equity = 101.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 14.10b / Total Assets 1867.52b)
RoE = 13.89% (Net Income TTM 14.10b / Total Stockholder Equity 101.53b)
RoCE = 4.50% (EBIT 19.18b / Capital Employed (Equity 101.53b + L.T.Debt 324.39b))
RoIC = 3.45% (NOPAT 14.47b / Invested Capital 419.33b)
WACC = 4.17% (E(157.88b)/V(619.45b) * Re(8.95%) + D(461.58b)/V(619.45b) * Rd(3.36%) * (1-Tc(0.25)))
Discount Rate = 8.95% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -3.25%
[DCF] Fair Price = unknown (Cash Flow -598.0m)
EPS Correlation: 97.08 | EPS CAGR: 15.46% | SUE: 2.06 | # QB: 1
Revenue Correlation: 14.04 | Revenue CAGR: 5.01% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.23 | Chg7d=+0.002 | Chg30d=+0.018 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=1.00 | Chg7d=+0.008 | Chg30d=+0.022 | Revisions Net=+7 | Growth EPS=+11.2% | Growth Revenue=-0.1%
EPS next Year (2027-12-31): EPS=1.11 | Chg7d=-0.001 | Chg30d=+0.003 | Revisions Net=+3 | Growth EPS=+11.3% | Growth Revenue=+3.4%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.5% (Discount Rate 8.9% - Earnings Yield 7.4%)
[Growth] Growth Spread = -7.4% (Analyst -5.9% - Implied 1.5%)
P/E Trailing = 13.445
P/E Forward = 10.9409
P/S = 3.1589
P/B = 1.4581
P/EG = 3.0402
Revenue TTM = 56.17b EUR
EBIT TTM = 19.18b EUR
EBITDA TTM = 22.39b EUR
Long Term Debt = 324.39b EUR (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = 461.58b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 461.58b EUR (from netDebt column, last quarter)
Enterprise Value = 347.54b EUR (157.88b + Debt 461.58b - CCE 271.91b)
Interest Coverage Ratio = 1.24 (Ebit TTM 19.18b / Interest Expense TTM 15.53b)
EV/FCF = -581.2x (Enterprise Value 347.54b / FCF TTM -598.0m)
FCF Yield = -0.17% (FCF TTM -598.0m / Enterprise Value 347.54b)
FCF Margin = -1.06% (FCF TTM -598.0m / Revenue TTM 56.17b)
Net Margin = 25.10% (Net Income TTM 14.10b / Revenue TTM 56.17b)
Gross Margin = 49.95% ((Revenue TTM 56.17b - Cost of Revenue TTM 28.12b) / Revenue TTM)
Gross Margin QoQ = 79.07% (prev 79.91%)
Tobins Q-Ratio = 0.19 (Enterprise Value 347.54b / Total Assets 1867.52b)
Interest Expense / Debt = 3.36% (Interest Expense 15.53b / Debt 461.58b)
Taxrate = 24.56% (1.16b / 4.74b)
NOPAT = 14.47b (EBIT 19.18b * (1 - 24.56%))
Current Ratio = 2.57 (Total Current Assets 417.38b / Total Current Liabilities 162.64b)
Debt / Equity = 4.47 (Debt 461.58b / totalStockholderEquity, last quarter 103.17b)
Debt / EBITDA = 20.62 (Net Debt 461.58b / EBITDA 22.39b)
Debt / FCF = -771.9 (out of range, set to none) (Net Debt 461.58b / FCF TTM -598.0m)
Total Stockholder Equity = 101.53b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 14.10b / Total Assets 1867.52b)
RoE = 13.89% (Net Income TTM 14.10b / Total Stockholder Equity 101.53b)
RoCE = 4.50% (EBIT 19.18b / Capital Employed (Equity 101.53b + L.T.Debt 324.39b))
RoIC = 3.45% (NOPAT 14.47b / Invested Capital 419.33b)
WACC = 4.17% (E(157.88b)/V(619.45b) * Re(8.95%) + D(461.58b)/V(619.45b) * Rd(3.36%) * (1-Tc(0.25)))
Discount Rate = 8.95% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -3.25%
[DCF] Fair Price = unknown (Cash Flow -598.0m)
EPS Correlation: 97.08 | EPS CAGR: 15.46% | SUE: 2.06 | # QB: 1
Revenue Correlation: 14.04 | Revenue CAGR: 5.01% | SUE: 4.0 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.23 | Chg7d=+0.002 | Chg30d=+0.018 | Revisions Net=-1 | Analysts=2
EPS current Year (2026-12-31): EPS=1.00 | Chg7d=+0.008 | Chg30d=+0.022 | Revisions Net=+7 | Growth EPS=+11.2% | Growth Revenue=-0.1%
EPS next Year (2027-12-31): EPS=1.11 | Chg7d=-0.001 | Chg30d=+0.003 | Revisions Net=+3 | Growth EPS=+11.3% | Growth Revenue=+3.4%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 1.5% (Discount Rate 8.9% - Earnings Yield 7.4%)
[Growth] Growth Spread = -7.4% (Analyst -5.9% - Implied 1.5%)