(SAN) Banco Santander - Overview
Exchange: NYSE •
Country: Spain •
Currency: USD •
Type: Common Stock •
ISIN: US05964H1059
Stock: Banking, Loans, Cards, Investments, Insurance
Total Rating 55
Risk 53
Buy Signal -0.64
| Risk 5d forecast | |
|---|---|
| Volatility | 37.8% |
| Relative Tail Risk | 1.59% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 1.84 |
| Alpha | 64.26 |
| Character TTM | |
|---|---|
| Beta | 0.797 |
| Beta Downside | 0.863 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.89% |
| CAGR/Max DD | 2.79 |
EPS (Earnings per Share)
Revenue
Description: SAN Banco Santander March 04, 2026
Banco Santander, S.A. is a diversified bank providing financial products globally. The company operates across retail, commercial, digital consumer, corporate and investment banking, wealth management, and payments sectors. Diversified banks typically generate revenue through interest income from loans and fees from various financial services.
Santanders offerings include deposits, loans (mortgages, consumer, auto), and financing solutions. It also provides specialized services like project finance, debt capital markets, and M&A advisory. The companys business model involves managing a broad portfolio of financial activities, including insurance, asset management, and digital payment solutions, reflecting the trend towards integrated financial ecosystems.
Further research on ValueRay can provide detailed financial metrics and performance trends for Banco Santander, S.A.
Headlines to watch out for
- Interest rate fluctuations impact net interest income
- Economic growth in key markets drives loan demand
- Regulatory changes in banking sector increase compliance costs
- Competition from fintech companies erodes market share
- Foreign exchange rates affect international earnings
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income: 14.10b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -1.58 > 1.0 |
| NWC/Revenue: -140.7% < 20% (prev 297.9%; Δ -438.5% < -1%) |
| CFO/TA -0.00 > 3% & CFO -7.82b > Net Income 14.10b |
| Net Debt (172.11b) to EBITDA (22.39b): 7.69 < 3 |
| Current Ratio: 0.59 > 1.5 & < 3 |
| Outstanding Shares: last quarter (15.69b) vs 12m ago -3.92% < -2% |
| Gross Margin: 62.54% > 18% (prev 0.88%; Δ 6.17k% > 0.5%) |
| Asset Turnover: 4.05% > 50% (prev 4.39%; Δ -0.34% > 0%) |
| Interest Coverage Ratio: 0.47 > 6 (EBITDA TTM 22.39b / Interest Expense TTM 40.65b) |
Altman Z'' -0.07
| A: -0.06 (Total Current Assets 152.22b - Total Current Liabilities 257.80b) / Total Assets 1866.72b |
| B: 0.06 (Retained Earnings 104.32b / Total Assets 1866.72b) |
| C: 0.01 (EBIT TTM 19.18b / Avg Total Assets 1851.90b) |
| D: 0.04 (Book Value of Equity 73.97b / Total Liabilities 1754.02b) |
| Altman-Z'' Score: -0.07 = B |
Beneish M
| DSRI: none (Receivables none/11.43b, Revenue 75.06b/80.62b) |
| GMI: 1.41 (GM 62.54% / 88.20%) |
| AQI: 1.08 (AQ_t 0.91 / AQ_t-1 0.85) |
| SGI: 0.93 (Revenue 75.06b / 80.62b) |
| TATA: 0.01 (NI 14.10b - CFO -7.82b) / TA 1866.72b) |
| Beneish M-Score: cannot calculate (missing components) |
What is the price of SAN shares?
As of March 14, 2026, the stock is trading at USD 11.37 with a total of 17,839,407 shares traded.
Over the past week, the price has changed by -2.62%, over one month by -9.19%, over three months by -7.16% and over the past year by +71.42%.
Over the past week, the price has changed by -2.62%, over one month by -9.19%, over three months by -7.16% and over the past year by +71.42%.
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.
- StrongBuy: 0
- Buy: 0
- Hold: 1
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the SAN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 10.7 | -5.5% |
| Analysts Target Price | 10.7 | -5.5% |
SAN Fundamental Data Overview March 11, 2026
Market Cap EUR = 141.48b (163.04b USD * 0.8678 USD.EUR)
P/E Trailing = 11.5464
P/E Forward = 9.434
P/S = 3.481
P/B = 1.3425
P/EG = 2.6206
Revenue TTM = 75.06b EUR
EBIT TTM = 19.18b EUR
EBITDA TTM = 22.39b EUR
Long Term Debt = 324.39b EUR (from longTermDebt, last quarter)
Short Term Debt = 211.70b EUR (from shortTermDebt, last quarter)
Debt = 496.64b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 172.11b EUR (from netDebt column, last quarter)
Enterprise Value = 485.90b EUR (141.48b + Debt 496.64b - CCE 152.22b)
Interest Coverage Ratio = 0.47 (Ebit TTM 19.18b / Interest Expense TTM 40.65b)
EV/FCF = -39.51x (Enterprise Value 485.90b / FCF TTM -12.30b)
FCF Yield = -2.53% (FCF TTM -12.30b / Enterprise Value 485.90b)
FCF Margin = -16.38% (FCF TTM -12.30b / Revenue TTM 75.06b)
Net Margin = 18.79% (Net Income TTM 14.10b / Revenue TTM 75.06b)
Gross Margin = 62.54% ((Revenue TTM 75.06b - Cost of Revenue TTM 28.12b) / Revenue TTM)
Gross Margin QoQ = 78.81% (prev 79.91%)
Tobins Q-Ratio = 0.26 (Enterprise Value 485.90b / Total Assets 1866.72b)
Interest Expense / Debt = 3.13% (Interest Expense 15.53b / Debt 496.64b)
Taxrate = 23.64% (1.16b / 4.92b)
NOPAT = 14.65b (EBIT 19.18b * (1 - 23.64%))
Current Ratio = 0.59 (Total Current Assets 152.22b / Total Current Liabilities 257.80b)
Debt / Equity = 4.82 (Debt 496.64b / totalStockholderEquity, last quarter 103.13b)
Debt / EBITDA = 7.69 (Net Debt 172.11b / EBITDA 22.39b)
Debt / FCF = -14.00 (negative FCF - burning cash) (Net Debt 172.11b / FCF TTM -12.30b)
Total Stockholder Equity = 101.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 14.10b / Total Assets 1866.72b)
RoE = 13.89% (Net Income TTM 14.10b / Total Stockholder Equity 101.52b)
RoCE = 4.50% (EBIT 19.18b / Capital Employed (Equity 101.52b + L.T.Debt 324.39b))
RoIC = 3.49% (NOPAT 14.65b / Invested Capital 419.33b)
WACC = 3.82% (E(141.48b)/V(638.12b) * Re(8.85%) + D(496.64b)/V(638.12b) * Rd(3.13%) * (1-Tc(0.24)))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.65%
[DCF] Fair Price = unknown (Cash Flow -12.30b)
EPS Correlation: 96.42 | EPS CAGR: 20.10% | SUE: 4.0 | # QB: 1
Revenue Correlation: 10.79 | Revenue CAGR: -4.41% | SUE: 2.13 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.31 | Chg7d=+0.008 | Chg30d=+0.006 | Revisions Net=+1 | Analysts=1
EPS current Year (2026-12-31): EPS=1.08 | Chg7d=+0.006 | Chg30d=+0.012 | Revisions Net=+2 | Growth EPS=+1.5% | Growth Revenue=+0.1%
EPS next Year (2027-12-31): EPS=1.23 | Chg7d=+0.002 | Chg30d=+0.196 | Revisions Net=+1 | Growth EPS=+14.4% | Growth Revenue=+8.2%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.2% (Discount Rate 8.8% - Earnings Yield 8.7%)
[Growth] Growth Spread = +0.2% (Analyst 0.4% - Implied 0.2%)
P/E Trailing = 11.5464
P/E Forward = 9.434
P/S = 3.481
P/B = 1.3425
P/EG = 2.6206
Revenue TTM = 75.06b EUR
EBIT TTM = 19.18b EUR
EBITDA TTM = 22.39b EUR
Long Term Debt = 324.39b EUR (from longTermDebt, last quarter)
Short Term Debt = 211.70b EUR (from shortTermDebt, last quarter)
Debt = 496.64b EUR (from shortLongTermDebtTotal, last quarter)
Net Debt = 172.11b EUR (from netDebt column, last quarter)
Enterprise Value = 485.90b EUR (141.48b + Debt 496.64b - CCE 152.22b)
Interest Coverage Ratio = 0.47 (Ebit TTM 19.18b / Interest Expense TTM 40.65b)
EV/FCF = -39.51x (Enterprise Value 485.90b / FCF TTM -12.30b)
FCF Yield = -2.53% (FCF TTM -12.30b / Enterprise Value 485.90b)
FCF Margin = -16.38% (FCF TTM -12.30b / Revenue TTM 75.06b)
Net Margin = 18.79% (Net Income TTM 14.10b / Revenue TTM 75.06b)
Gross Margin = 62.54% ((Revenue TTM 75.06b - Cost of Revenue TTM 28.12b) / Revenue TTM)
Gross Margin QoQ = 78.81% (prev 79.91%)
Tobins Q-Ratio = 0.26 (Enterprise Value 485.90b / Total Assets 1866.72b)
Interest Expense / Debt = 3.13% (Interest Expense 15.53b / Debt 496.64b)
Taxrate = 23.64% (1.16b / 4.92b)
NOPAT = 14.65b (EBIT 19.18b * (1 - 23.64%))
Current Ratio = 0.59 (Total Current Assets 152.22b / Total Current Liabilities 257.80b)
Debt / Equity = 4.82 (Debt 496.64b / totalStockholderEquity, last quarter 103.13b)
Debt / EBITDA = 7.69 (Net Debt 172.11b / EBITDA 22.39b)
Debt / FCF = -14.00 (negative FCF - burning cash) (Net Debt 172.11b / FCF TTM -12.30b)
Total Stockholder Equity = 101.52b (last 4 quarters mean from totalStockholderEquity)
RoA = 0.76% (Net Income 14.10b / Total Assets 1866.72b)
RoE = 13.89% (Net Income TTM 14.10b / Total Stockholder Equity 101.52b)
RoCE = 4.50% (EBIT 19.18b / Capital Employed (Equity 101.52b + L.T.Debt 324.39b))
RoIC = 3.49% (NOPAT 14.65b / Invested Capital 419.33b)
WACC = 3.82% (E(141.48b)/V(638.12b) * Re(8.85%) + D(496.64b)/V(638.12b) * Rd(3.13%) * (1-Tc(0.24)))
Discount Rate = 8.85% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -4.65%
[DCF] Fair Price = unknown (Cash Flow -12.30b)
EPS Correlation: 96.42 | EPS CAGR: 20.10% | SUE: 4.0 | # QB: 1
Revenue Correlation: 10.79 | Revenue CAGR: -4.41% | SUE: 2.13 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.31 | Chg7d=+0.008 | Chg30d=+0.006 | Revisions Net=+1 | Analysts=1
EPS current Year (2026-12-31): EPS=1.08 | Chg7d=+0.006 | Chg30d=+0.012 | Revisions Net=+2 | Growth EPS=+1.5% | Growth Revenue=+0.1%
EPS next Year (2027-12-31): EPS=1.23 | Chg7d=+0.002 | Chg30d=+0.196 | Revisions Net=+1 | Growth EPS=+14.4% | Growth Revenue=+8.2%
[Analyst] Revisions Ratio: +1.00 (1 Up / 0 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 0.2% (Discount Rate 8.8% - Earnings Yield 8.7%)
[Growth] Growth Spread = +0.2% (Analyst 0.4% - Implied 0.2%)