(SAN) Banco Santander S.A. - Ratings and Ratios

Banco Santander, S.A. is a global financial institution offering a wide array of financial products and services to individuals, SMEs, corporations, and public entities. Operating through five primary segments—Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments—the bank provides tailored solutions across diverse customer segments. Its product portfolio includes deposit accounts, mutual funds, mortgages, consumer finance, corporate loans, project finance, and debt capital markets. Additionally, the bank offers credit and debit cards, real estate loans, microfinance, auto loans, private banking, investment banking, mergers and acquisitions advisory, wealth management, and digital payment solutions. Beyond banking, Santander engages in securitization, leasing, portfolio management, e-commerce, software development, consulting, insurance, advertising, renewable energy, IT services, and financial advisory, among other activities. The bank also provides mobile and online banking platforms, enhancing customer accessibility and convenience.

Headquartered in Madrid, Spain, Banco Santander, S.A. was founded in 1856 and rebranded from Banco Santander Central Hispano S.A. in February 2007. With a significant global presence, the bank operates in Europe, the Americas, and other key markets, making it one of the largest financial institutions in the world. Its extensive network and diversified business model enable it to serve a broad customer base while maintaining a strong position in the global banking industry.

Ticker Symbol: SAN Exchange: VI Type: common stock Country Origin: Spain GICS Sub Industry: Diversified Banks

3-Month Forecast: Based on and , Banco Santander, S.A. is expected to experience a sideways trading pattern in the near term. The stock is currently trading near its 20-day and 50-day SMA levels, with moderate volatility indicated by an ATR of 0.20. Support is likely to hold around the 200-day SMA of 4.85, while resistance is anticipated at the 6.02 level. Fundamentally, the banks P/E ratio of 7.14 and P/B ratio of 0.84 suggest undervaluation, but without significant catalysts, upside momentum may remain limited. The RoE of 12.75% indicates healthy profitability, but market sentiment may remain neutral to bearish in the short term. Price target: 5.80–6.10 EUR over the next three months.