(SAN) Banco Santander - Ratings and Ratios
Exchange: NYSE •
Country: Spain •
Currency: USD •
Type: Common Stock •
ISIN: US05964H1059
Deposits, Loans, Mortgages, Cards, Investments
Dividends
| Dividend Yield | 1.99% |
| Yield on Cost 5y | 7.99% |
| Yield CAGR 5y | 16.93% |
| Payout Consistency | 83.7% |
| Payout Ratio | 22.9% |
| Risk via 10d forecast | |
|---|---|
| Volatility | 27.9% |
| Value at Risk 5%th | 46.2% |
| Relative Tail Risk | 0.69% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.75 |
| Alpha | 131.21 |
| CAGR/Max DD | 3.15 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.445 |
| Beta | 0.939 |
| Beta Downside | 1.004 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.89% |
| Mean DD | 5.05% |
| Median DD | 4.19% |
Description: SAN Banco Santander December 02, 2025
Banco Santander S.A. (NYSE: SAN) is a global diversified bank headquartered in Madrid, Spain, offering a full suite of financial products to individuals, SMEs, large corporates, and public entities. It operates through five primary segments-Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments-covering deposit taking, lending, capital-markets activities, wealth and asset management, and a broad array of digital and payment services.
As of Q3 2024, Santander reported a net profit of €7.2 billion and a Common Equity Tier 1 (CET1) ratio of 12.6%, reflecting solid capital strength amid a tightening European regulatory environment. Loan growth accelerated to 5 % YoY, driven largely by expanding mortgage and SME portfolios, while its Digital Consumer Bank now serves over 30 million active customers, underscoring the sector’s shift toward digital-first banking. Key macro drivers include the European Central Bank’s policy rate trajectory, which influences net interest margin pressure, and the ongoing consolidation in the Eurozone banking market that could affect market share dynamics.
For a deeper, data-driven assessment of Santander’s valuation and risk profile, you may find the analytics on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (13.60b TTM) > 0 and > 6% of Revenue (6% = 4.55b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 1.06pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue -994.0% (prev -942.6%; Δ -51.37pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 25.58b > Net Income 13.60b (YES >=105%, WARN >=100%) |
| Net Debt (35.25b) to EBITDA (22.14b) ratio: 1.59 <= 3.0 (WARN <= 3.5) |
| Current Ratio 0.32 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (15.93b) change vs 12m ago -1.99% (target <= -2.0% for YES) |
| Gross Margin 63.03% (prev 87.54%; Δ -24.52pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 4.17% (prev 4.40%; Δ -0.23pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.75 (EBITDA TTM 22.14b / Interest Expense TTM 25.13b) >= 6 (WARN >= 3) |
Altman Z'' -2.40
| (A) -0.41 = (Total Current Assets 353.36b - Total Current Liabilities 1107.78b) / Total Assets 1840.67b |
| (B) 0.06 = Retained Earnings (Balance) 102.29b / Total Assets 1840.67b |
| (C) 0.01 = EBIT TTM 18.86b / Avg Total Assets 1821.46b |
| (D) 0.04 = Book Value of Equity 62.85b / Total Liabilities 1730.75b |
| Total Rating: -2.40 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 65.66
| 1. Piotroski 3.50pt |
| 2. FCF Yield 18.36% |
| 3. FCF Margin 26.47% |
| 4. Debt/Equity 3.13 |
| 5. Debt/Ebitda 1.59 |
| 6. ROIC - WACC (= -1.07)% |
| 7. RoE 13.55% |
| 8. Rev. Trend 15.44% |
| 9. EPS Trend 95.65% |
What is the price of SAN shares?
As of December 06, 2025, the stock is trading at USD 11.04 with a total of 1,823,380 shares traded.
Over the past week, the price has changed by +2.89%, over one month by +10.29%, over three months by +16.33% and over the past year by +141.67%.
Over the past week, the price has changed by +2.89%, over one month by +10.29%, over three months by +16.33% and over the past year by +141.67%.
Is SAN a buy, sell or hold?
Banco Santander has received a consensus analysts rating of 2.50.
Therefor, it is recommend to sell SAN.
- Strong Buy: 0
- Buy: 0
- Hold: 1
- Sell: 1
- Strong Sell: 0
What are the forecasts/targets for the SAN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 9.6 | -12.8% |
| Analysts Target Price | 9.6 | -12.8% |
| ValueRay Target Price | 17 | 54% |
SAN Fundamental Data Overview November 29, 2025
Market Cap EUR = 136.27b (158.25b USD * 0.8611 USD.EUR)
P/E Trailing = 11.0103
P/E Forward = 9.8619
P/S = 3.123
P/B = 1.3516
P/EG = 2.7399
Beta = 0.959
Revenue TTM = 75.90b EUR
EBIT TTM = 18.86b EUR
EBITDA TTM = 22.14b EUR
Long Term Debt = 316.62b EUR (from longTermDebt, last quarter)
Short Term Debt = 193.47b EUR (from shortTermDebt, last fiscal year)
Debt = 316.62b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 35.25b EUR (from netDebt column, last quarter)
Enterprise Value = 109.44b EUR (136.27b + Debt 316.62b - CCE 343.46b)
Interest Coverage Ratio = 0.75 (Ebit TTM 18.86b / Interest Expense TTM 25.13b)
FCF Yield = 18.36% (FCF TTM 20.09b / Enterprise Value 109.44b)
FCF Margin = 26.47% (FCF TTM 20.09b / Revenue TTM 75.90b)
Net Margin = 17.92% (Net Income TTM 13.60b / Revenue TTM 75.90b)
Gross Margin = 63.03% ((Revenue TTM 75.90b - Cost of Revenue TTM 28.06b) / Revenue TTM)
Gross Margin QoQ = 79.91% (prev 75.95%)
Tobins Q-Ratio = 0.06 (Enterprise Value 109.44b / Total Assets 1840.67b)
Interest Expense / Debt = 3.03% (Interest Expense 9.60b / Debt 316.62b)
Taxrate = 25.62% (1.19b / 4.66b)
NOPAT = 14.03b (EBIT 18.86b * (1 - 25.62%))
Current Ratio = 0.32 (Total Current Assets 353.36b / Total Current Liabilities 1107.78b)
Debt / Equity = 3.13 (Debt 316.62b / totalStockholderEquity, last quarter 101.08b)
Debt / EBITDA = 1.59 (Net Debt 35.25b / EBITDA 22.14b)
Debt / FCF = 1.75 (Net Debt 35.25b / FCF TTM 20.09b)
Total Stockholder Equity = 100.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.74% (Net Income 13.60b / Total Assets 1840.67b)
RoE = 13.55% (Net Income TTM 13.60b / Total Stockholder Equity 100.39b)
RoCE = 4.52% (EBIT 18.86b / Capital Employed (Equity 100.39b + L.T.Debt 316.62b))
RoIC = 3.35% (NOPAT 14.03b / Invested Capital 418.47b)
WACC = 4.43% (E(136.27b)/V(452.90b) * Re(9.47%) + D(316.62b)/V(452.90b) * Rd(3.03%) * (1-Tc(0.26)))
Discount Rate = 9.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.92%
[DCF Debug] Terminal Value 64.29% ; FCFE base≈12.28b ; Y1≈8.06b ; Y5≈3.69b
Fair Price DCF = 3.94 (DCF Value 58.08b / Shares Outstanding 14.73b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 95.65 | EPS CAGR: 17.95% | SUE: 0.0 | # QB: 0
Revenue Correlation: 15.44 | Revenue CAGR: -3.99% | SUE: -0.05 | # QB: 0
EPS next Year (2026-12-31): EPS=1.08 | Chg30d=+0.040 | Revisions Net=+1 | Growth EPS=+8.8% | Growth Revenue=-0.6%
P/E Trailing = 11.0103
P/E Forward = 9.8619
P/S = 3.123
P/B = 1.3516
P/EG = 2.7399
Beta = 0.959
Revenue TTM = 75.90b EUR
EBIT TTM = 18.86b EUR
EBITDA TTM = 22.14b EUR
Long Term Debt = 316.62b EUR (from longTermDebt, last quarter)
Short Term Debt = 193.47b EUR (from shortTermDebt, last fiscal year)
Debt = 316.62b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 35.25b EUR (from netDebt column, last quarter)
Enterprise Value = 109.44b EUR (136.27b + Debt 316.62b - CCE 343.46b)
Interest Coverage Ratio = 0.75 (Ebit TTM 18.86b / Interest Expense TTM 25.13b)
FCF Yield = 18.36% (FCF TTM 20.09b / Enterprise Value 109.44b)
FCF Margin = 26.47% (FCF TTM 20.09b / Revenue TTM 75.90b)
Net Margin = 17.92% (Net Income TTM 13.60b / Revenue TTM 75.90b)
Gross Margin = 63.03% ((Revenue TTM 75.90b - Cost of Revenue TTM 28.06b) / Revenue TTM)
Gross Margin QoQ = 79.91% (prev 75.95%)
Tobins Q-Ratio = 0.06 (Enterprise Value 109.44b / Total Assets 1840.67b)
Interest Expense / Debt = 3.03% (Interest Expense 9.60b / Debt 316.62b)
Taxrate = 25.62% (1.19b / 4.66b)
NOPAT = 14.03b (EBIT 18.86b * (1 - 25.62%))
Current Ratio = 0.32 (Total Current Assets 353.36b / Total Current Liabilities 1107.78b)
Debt / Equity = 3.13 (Debt 316.62b / totalStockholderEquity, last quarter 101.08b)
Debt / EBITDA = 1.59 (Net Debt 35.25b / EBITDA 22.14b)
Debt / FCF = 1.75 (Net Debt 35.25b / FCF TTM 20.09b)
Total Stockholder Equity = 100.39b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.74% (Net Income 13.60b / Total Assets 1840.67b)
RoE = 13.55% (Net Income TTM 13.60b / Total Stockholder Equity 100.39b)
RoCE = 4.52% (EBIT 18.86b / Capital Employed (Equity 100.39b + L.T.Debt 316.62b))
RoIC = 3.35% (NOPAT 14.03b / Invested Capital 418.47b)
WACC = 4.43% (E(136.27b)/V(452.90b) * Re(9.47%) + D(316.62b)/V(452.90b) * Rd(3.03%) * (1-Tc(0.26)))
Discount Rate = 9.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.92%
[DCF Debug] Terminal Value 64.29% ; FCFE base≈12.28b ; Y1≈8.06b ; Y5≈3.69b
Fair Price DCF = 3.94 (DCF Value 58.08b / Shares Outstanding 14.73b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 95.65 | EPS CAGR: 17.95% | SUE: 0.0 | # QB: 0
Revenue Correlation: 15.44 | Revenue CAGR: -3.99% | SUE: -0.05 | # QB: 0
EPS next Year (2026-12-31): EPS=1.08 | Chg30d=+0.040 | Revisions Net=+1 | Growth EPS=+8.8% | Growth Revenue=-0.6%
Additional Sources for SAN Stock
News:
Wall Street Journal |
Benzinga |
Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle