(SAN) Banco Santander - Ratings and Ratios
Deposits, Loans, Mortgages, Cards, Investment
EPS (Earnings per Share)
Revenue
| Risk via 10d forecast | |
|---|---|
| Volatility | 30.5% |
| Value at Risk 5%th | 50.6% |
| Relative Tail Risk | 1.05% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | 2.36 |
| Alpha | 100.31 |
| Character TTM | |
|---|---|
| Hurst Exponent | 0.382 |
| Beta | 0.934 |
| Beta Downside | 1.001 |
| Drawdowns 3y | |
|---|---|
| Max DD | 19.89% |
| Mean DD | 5.03% |
| Median DD | 4.19% |
Description: SAN Banco Santander September 25, 2025
Banco Santander S.A. (NYSE: SAN) is a global diversified bank headquartered in Madrid, Spain, offering a broad suite of financial products to individuals, SMEs, large corporates, and public entities. Its operations are organized into five primary segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments.
The bank’s core offerings include demand and time deposits, mutual funds, mortgages, consumer and auto loans, project finance, debt capital markets, transaction banking, and corporate finance advisory. It also issues credit and debit cards, provides micro-finance, private banking, M&A advice, wealth- and asset-management, and a range of digital payment and technology solutions.
Beyond traditional banking, Santander is active in ancillary businesses such as securitisation, leasing, e-commerce, renewable-energy financing, venture-capital funds, and various real-estate and automotive services, all supported by its mobile and online platforms.
Founded in 1856 and renamed from Banco Santander Central Hispano in 2007, the group now serves over 140 million customers worldwide, with a 2023 net profit of €9.5 billion, a Return on Tangible Equity (ROTE) of 12.5 %, and a CET1 capital ratio of 13.8 %-metrics that reflect its resilience amid a low-interest-rate environment and tightening European banking regulations.
Key economic drivers for Santander include Eurozone monetary policy (which directly impacts net interest income), Spain’s modest GDP growth (≈2 % YoY in 2023), and accelerating digital-banking adoption that has pushed its digital-only customer base above 50 million.
For a deeper, data-rich dive into how these factors translate into valuation outlooks, you may find the ValueRay platform’s analytical tools worth exploring.
SAN Stock Overview
| Market Cap in USD | 163,346m |
| Sub-Industry | Diversified Banks |
| IPO / Inception | 1987-07-29 |
| Return 12m vs S&P 500 | 94.0% |
| Analyst Rating | 2.50 of 5 |
SAN Dividends
| Metric | Value |
|---|---|
| Dividend Yield | 2.18% |
| Yield on Cost 5y | 9.51% |
| Yield CAGR 5y | 16.93% |
| Payout Consistency | 85.8% |
| Payout Ratio | 22.9% |
SAN Growth Ratios
| Metric | Value |
|---|---|
| CAGR 3y | 57.37% |
| CAGR/Max DD Calmar Ratio | 2.88 |
| CAGR/Mean DD Pain Ratio | 11.41 |
| Current Volume | 3655.6k |
| Average Volume | 3174k |
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income (11.31b TTM) > 0 and > 6% of Revenue (6% = 4.54b TTM) |
| FCFTA 543.0 (>2.0%) and ΔFCFTA 54.3kpp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 0.02% (prev -528.2%; Δ 528.2pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 691.3 (>3.0%) and CFO 25.58b > Net Income 11.31b (YES >=105%, WARN >=100%) |
| Net Debt (-14.0m) to EBITDA (18.58b) ratio: -0.00 <= 3.0 (WARN <= 3.5) |
| Current Ratio 1.75 (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 66.70% (prev 87.54%; Δ -20.84pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 8.40% (prev 4.40%; Δ 4.01pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 0.57 (EBITDA TTM 18.58b / Interest Expense TTM 25.13b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 65.40
| 1. Piotroski 5.50pt |
| 2. FCF Yield 3.21% |
| 3. FCF Margin 26.53% |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda -0.00 |
| 6. ROIC - WACC (= -1.46)% |
| 7. RoE 15.06% |
| 8. Rev. Trend -0.55% |
| 9. EPS Trend 95.34% |
What is the price of SAN shares?
Over the past week, the price has changed by -7.96%, over one month by +2.89%, over three months by +6.56% and over the past year by +116.97%.
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 | 9.6 | -4.3% |
| Analysts Target Price | 9.6 | -4.3% |
| ValueRay Target Price | 15.2 | 50.6% |
SAN Fundamental Data Overview November 15, 2025
P/E Trailing = 11.1531
P/E Forward = 10.1317
P/S = 3.2235
P/B = 1.3934
P/EG = 2.8132
Beta = 0.959
Revenue TTM = 75.73b EUR
EBIT TTM = 14.20b EUR
EBITDA TTM = 18.58b EUR
Long Term Debt = 316.62b EUR (from longTermDebt, last quarter)
Short Term Debt = 193.47b EUR (from shortTermDebt, last fiscal year)
Debt = 483.38b EUR (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -14.0m EUR (from netDebt column, last quarter)
Enterprise Value = 625.13b EUR (141.77b + Debt 483.38b - CCE 14.0m)
Interest Coverage Ratio = 0.57 (Ebit TTM 14.20b / Interest Expense TTM 25.13b)
FCF Yield = 3.21% (FCF TTM 20.09b / Enterprise Value 625.13b)
FCF Margin = 26.53% (FCF TTM 20.09b / Revenue TTM 75.73b)
Net Margin = 14.94% (Net Income TTM 11.31b / Revenue TTM 75.73b)
Gross Margin = 66.70% ((Revenue TTM 75.73b - Cost of Revenue TTM 25.21b) / Revenue TTM)
Gross Margin QoQ = 100.0% (prev 75.95%)
Tobins Q-Ratio = 16.9k (set to none) (Enterprise Value 625.13b / Total Assets 37.0m)
Interest Expense / Debt = 1.99% (Interest Expense 9.60b / Debt 483.38b)
Taxrate = 63.00% (1.19b / 1.89b)
NOPAT = 5.25b (EBIT 14.20b * (1 - 63.00%))
Current Ratio = 1.75 (Total Current Assets 28.0m / Total Current Liabilities 16.0m)
Debt / Equity = 24.2k (out of range, set to none) (Debt 483.38b / totalStockholderEquity, last quarter 20.0m)
Debt / EBITDA = -0.00 (Net Debt -14.0m / EBITDA 18.58b)
Debt / FCF = -0.00 (Net Debt -14.0m / FCF TTM 20.09b)
Total Stockholder Equity = 75.13b (last 4 quarters mean from totalStockholderEquity)
RoA = 30.6k% (out of range, set to none)
RoE = 15.06% (Net Income TTM 11.31b / Total Stockholder Equity 75.13b)
RoCE = 3.63% (EBIT 14.20b / Capital Employed (Equity 75.13b + L.T.Debt 316.62b))
RoIC = 1.26% (NOPAT 5.25b / Invested Capital 418.47b)
WACC = 2.71% (E(141.77b)/V(625.14b) * Re(9.46%) + D(483.38b)/V(625.14b) * Rd(1.99%) * (1-Tc(0.63)))
Discount Rate = 9.46% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -3.92%
[DCF Debug] Terminal Value 64.33% ; FCFE base≈12.28b ; Y1≈8.06b ; Y5≈3.69b
Fair Price DCF = 3.94 (DCF Value 58.16b / Shares Outstanding 14.76b; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 95.34 | EPS CAGR: 24.54% | SUE: 0.0 | # QB: 0
Revenue Correlation: -0.55 | Revenue CAGR: 1.85% | SUE: -0.05 | # QB: 0
Additional Sources for SAN Stock
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle