(SAN) Banco Santander - Ratings and Ratios
Loans, Deposits, Mortgages, Credit Cards, Investment Services
SAN EPS (Earnings per Share)
SAN Revenue
Description: SAN Banco Santander
Banco Santander SA ADR (NYSE:SAN) is a diversified banking institution with a global presence, offering a wide range of financial products and services across five business segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments.
The companys diverse product portfolio includes deposit accounts, mortgages, consumer finance, corporate finance services, credit and debit cards, and wealth management services, as well as digital payments and technology solutions. Additionally, Santander is involved in various other activities such as securitization, leasing, and renewable energy.
From a financial perspective, key performance indicators (KPIs) such as Return on Equity (RoE) of 13.38% and a forward Price-to-Earnings (P/E) ratio of 8.99 suggest that the company is generating decent returns for its shareholders while trading at a reasonable valuation multiple. With a market capitalization of $129.19 billion, Banco Santander is one of the larger players in the global banking industry.
Further analysis of the companys financial health and growth prospects could involve examining metrics such as its net interest margin, loan-to-deposit ratio, and capital adequacy ratio. Additionally, assessing the competitive landscape and regulatory environment in which Banco Santander operates could provide valuable insights into its future prospects.
SAN Stock Overview
| Market Cap in USD | 149,588m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1987-07-29 |
SAN Stock Ratings
| Growth Rating | 94.4% |
| Fundamental | 60.8% |
| Dividend Rating | 73.4% |
| Return 12m vs S&P 500 | 78.4% |
| Analyst Rating | 2.50 of 5 |
SAN Dividends
| Dividend Yield 12m | 2.86% |
| Yield on Cost 5y | 13.88% |
| Annual Growth 5y | 13.33% |
| Payout Consistency | 88.5% |
| Payout Ratio | 25.7% |
SAN Growth Ratios
| Growth Correlation 3m | 92.9% |
| Growth Correlation 12m | 92.5% |
| Growth Correlation 5y | 83.3% |
| CAGR 5y | 64.23% |
| CAGR/Max DD 3y | 3.23 |
| CAGR/Mean DD 3y | 15.33 |
| Sharpe Ratio 12m | 2.95 |
| Alpha | 106.15 |
| Beta | 0.703 |
| Volatility | 26.67% |
| Current Volume | 4952.7k |
| Average Volume 20d | 3252.7k |
| Stop Loss | 9.8 (-3.4%) |
| Signal | 0.34 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (13.25b TTM) > 0 and > 6% of Revenue (6% = 5.49b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA 0.49pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 191.0% (prev 226.5%; Δ -35.44pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.01 (>3.0%) and CFO 17.90b > Net Income 13.25b (YES >=105%, WARN >=100%) |
| Net Debt (-175.56b) to EBITDA (27.04b) ratio: -6.49 <= 3.0 (WARN <= 3.5) |
| Current Ratio 15.93 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (14.89b) change vs 12m ago -7.17% (target <= -2.0% for YES) |
| Gross Margin 53.20% (prev 87.13%; Δ -33.93pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.08% (prev 4.42%; Δ 0.66pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.95 (EBITDA TTM 27.04b / Interest Expense TTM 25.13b) >= 6 (WARN >= 3) |
Altman Z'' 0.92
| (A) 0.10 = (Total Current Assets 186.67b - Total Current Liabilities 11.72b) / Total Assets 1815.89b |
| (B) 0.05 = Retained Earnings (Balance) 91.95b / Total Assets 1815.89b |
| (C) 0.01 = EBIT TTM 23.78b / Avg Total Assets 1801.07b |
| (D) 0.04 = Book Value of Equity 61.83b / Total Liabilities 1706.90b |
| Total Rating: 0.92 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 60.76
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 2.66% = 1.33 |
| 3. FCF Margin 13.30% = 3.32 |
| 4. Debt/Equity 3.66 = -1.67 |
| 5. Debt/Ebitda 18.69 = -2.50 |
| 6. ROIC - WACC 1.27% = 1.59 |
| 7. RoE 12.20% = 1.02 |
| 8. Rev. Trend 65.07% = 4.88 |
| 9. EPS Trend 95.62% = 4.78 |
What is the price of SAN shares?
Over the past week, the price has changed by +3.89%, over one month by +5.19%, over three months by +21.88% and over the past year by +112.12%.
Is Banco Santander a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SAN is around 14.80 USD . This means that SAN is currently undervalued and has a potential upside of +45.96% (Margin of Safety).
Is SAN a buy, sell or hold?
- 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 | 8.2 | -19.6% |
| Analysts Target Price | 8.2 | -19.6% |
| ValueRay Target Price | 15.7 | 54.4% |
Last update: 2025-09-13 05:04
SAN Fundamental Data Overview
CCE Cash And Equivalents = 175.56b EUR (Cash And Short Term Investments, last quarter)
P/E Trailing = 10.5
P/E Forward = 9.5694
P/S = 2.9823
P/B = 1.272
P/EG = 3.3004
Beta = 1.318
Revenue TTM = 91.57b EUR
EBIT TTM = 23.78b EUR
EBITDA TTM = 27.04b EUR
Long Term Debt = 311.96b EUR (from longTermDebt, last quarter)
Short Term Debt = 193.47b EUR (from shortTermDebt, last fiscal year)
Debt = 505.44b EUR (Calculated: Short Term 193.47b + Long Term 311.96b)
Net Debt = -175.56b EUR (from netDebt column, last quarter)
Enterprise Value = 457.39b EUR (127.51b + Debt 505.44b - CCE 175.56b)
Interest Coverage Ratio = 0.95 (Ebit TTM 23.78b / Interest Expense TTM 25.13b)
FCF Yield = 2.66% (FCF TTM 12.18b / Enterprise Value 457.39b)
FCF Margin = 13.30% (FCF TTM 12.18b / Revenue TTM 91.57b)
Net Margin = 14.47% (Net Income TTM 13.25b / Revenue TTM 91.57b)
Gross Margin = 53.20% ((Revenue TTM 91.57b - Cost of Revenue TTM 42.85b) / Revenue TTM)
Tobins Q-Ratio = 7.40 (Enterprise Value 457.39b / Book Value Of Equity 61.83b)
Interest Expense / Debt = 1.90% (Interest Expense 9.60b / Debt 505.44b)
Taxrate = 27.77% (5.28b / 19.03b)
NOPAT = 17.18b (EBIT 23.78b * (1 - 27.77%))
Current Ratio = 15.93 (Total Current Assets 186.67b / Total Current Liabilities 11.72b)
Debt / Equity = 3.66 (Debt 505.44b / last Quarter total Stockholder Equity 138.07b)
Debt / EBITDA = 18.69 (Net Debt -175.56b / EBITDA 27.04b)
Debt / FCF = 41.51 (Debt 505.44b / FCF TTM 12.18b)
Total Stockholder Equity = 108.66b (last 4 quarters mean)
RoA = 0.73% (Net Income 13.25b, Total Assets 1815.89b )
RoE = 12.20% (Net Income TTM 13.25b / Total Stockholder Equity 108.66b)
RoCE = 5.65% (Ebit 23.78b / (Equity 108.66b + L.T.Debt 311.96b))
RoIC = 4.10% (NOPAT 17.18b / Invested Capital 418.68b)
WACC = 2.83% (E(127.51b)/V(632.95b) * Re(8.61%)) + (D(505.44b)/V(632.95b) * Rd(1.90%) * (1-Tc(0.28)))
Shares Correlation 3-Years: -63.64 | Cagr: -1.55%
Discount Rate = 8.61% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 67.93% ; FCFE base≈8.57b ; Y1≈5.63b ; Y5≈2.57b
Fair Price DCF = 3.10 (DCF Value 46.01b / Shares Outstanding 14.84b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 95.62 | EPS CAGR: 24.22% | SUE: 0.0 | # QB: False
Revenue Correlation: 65.07 | Revenue CAGR: 35.94%
Additional Sources for SAN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle