BANCO SANTANDER SA(BIT:1SANX) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to 1SANX. 1SANX was compared to 95 industry peers in the Banks industry. 1SANX may be in some trouble as it scores bad on both profitability and health. 1SANX is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

In the past year 1SANX was profitable.

1SANX had a positive operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: 1SANX reported negative net income in multiple years.

1SANX had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

Looking at the Return On Assets, with a value of 0.62%, 1SANX is doing worse than 63.95% of the companies in the same industry.

1SANX has a Return On Equity of 11.61%. This is comparable to the rest of the industry: 1SANX outperforms 51.16% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.62%
ROE	11.61%
ROIC	N/A

ROA(3y)0.56%

ROA(5y)0.31%

ROE(3y)10.58%

ROE(5y)5.5%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

1SANX has a worse Profit Margin (16.27%) than 76.74% of its industry peers.

1SANX's Profit Margin has improved in the last couple of years.

The Operating Margin and Gross Margin are not available for 1SANX so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	16.27%
GM	N/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5Y4.44%

GM growth 3YN/A

GM growth 5YN/A

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

1SANX does not have a ROIC to compare to the WACC, probably because it is not profitable.

1SANX has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.

2.2 Solvency

1SANX has a Debt/Equity ratio of 3.23. This is a high value indicating a heavy dependency on external financing.

1SANX has a worse Debt to Equity ratio (3.23) than 80.23% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	3.23
Debt/FCF	N/A
Altman-Z	N/A

ROIC/WACCN/A

WACC4.95%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 18.69% over the past year.

Measured over the past years, 1SANX shows a quite strong growth in Earnings Per Share. The EPS has been growing by 16.47% on average per year.

EPS 1Y (TTM)18.69%

EPS 3Y20.22%

EPS 5Y16.47%

EPS Q2Q%18.51%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%12.71%

3.2 Future

Based on estimates for the next years, 1SANX will show a small growth in Earnings Per Share. The EPS will grow by 0.77% on average per year.

Based on estimates for the next years, 1SANX will show a small growth in Revenue. The Revenue will grow by 2.08% on average per year.

EPS Next Y5.23%

EPS Next 2Y7.12%

EPS Next 3Y7.75%

EPS Next 5Y0.77%

Revenue Next Year0.61%

Revenue Next 2Y1.76%

Revenue Next 3Y2.2%

Revenue Next 5Y2.08%

3.3 Evolution

When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 7.56, the valuation of 1SANX can be described as very cheap.

1SANX's Price/Earnings ratio is a bit cheaper when compared to the industry. 1SANX is cheaper than 65.12% of the companies in the same industry.

The average S&P500 Price/Earnings ratio is at 29.62. 1SANX is valued rather cheaply when compared to this.

A Price/Forward Earnings ratio of 7.17 indicates a rather cheap valuation of 1SANX.

Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SANX indicates a rather cheap valuation: 1SANX is cheaper than 86.05% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of 1SANX to the average of the S&P500 Index (22.70), we can say 1SANX is valued rather cheaply.

		Industry Rank	Sector Rank
PE	7.56
Fwd PE	7.17

4.2 Price Multiples

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	N/A

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.

PEG (NY)1.45

PEG (5Y)0.46

EPS Next 2Y7.12%

EPS Next 3Y7.75%

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5. Dividend

5.1 Amount

1SANX has a Yearly Dividend Yield of 2.71%. Purely for dividend investing, there may be better candidates out there.

With a Dividend Yield of 2.71, 1SANX pays less dividend than the industry average, which is at 5.21. 83.72% of the companies listed in the same industry pay a better dividend than 1SANX!

1SANX's Dividend Yield is comparable with the S&P500 average which is at 2.27.

		Industry Rank	Sector Rank
Dividend Yield	2.71%

5.2 History

The dividend of 1SANX decreases each year by -5.41%.

Dividend Growth(5Y)-5.41%

Div Incr Years0

Div Non Decr Years0

5.3 Sustainability

20.41% of the earnings are spent on dividend by 1SANX. This is a low number and sustainable payout ratio.

DP20.41%

EPS Next 2Y7.12%

EPS Next 3Y7.75%

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BANCO SANTANDER SA

BIT:1SANX (2/17/2025, 7:00:00 PM)

5.824

+0.04 (+0.71%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)02-05 2025-02-05/bmo

Earnings (Next)04-30 2025-04-30

Inst Owners32.51%

Inst Owner ChangeN/A

Ins Owners1.5%

Ins Owner ChangeN/A

Market Cap88.22B

Analysts80

Price Target6.22 (6.8%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.71%

Yearly Dividend0.14

Dividend Growth(5Y)-5.41%

DP20.41%

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)7.47%

Min EPS beat(2)-0.99%

Max EPS beat(2)15.92%

EPS beat(4)3

Avg EPS beat(4)4.92%

Min EPS beat(4)-0.99%

Max EPS beat(4)15.92%

EPS beat(8)7

Avg EPS beat(8)4.35%

EPS beat(12)10

Avg EPS beat(12)3.52%

EPS beat(16)13

Avg EPS beat(16)10.34%

Revenue beat(2)1

Avg Revenue beat(2)0.65%

Min Revenue beat(2)-0.25%

Max Revenue beat(2)1.54%

Revenue beat(4)2

Avg Revenue beat(4)4.55%

Min Revenue beat(4)-0.25%

Max Revenue beat(4)17.12%

Revenue beat(8)6

Avg Revenue beat(8)17.39%

Revenue beat(12)10

Avg Revenue beat(12)20.1%

Revenue beat(16)14

Avg Revenue beat(16)24.71%

PT rev (1m)6.55%

PT rev (3m)7.45%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)1.67%

EPS NY rev (3m)1.67%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0.17%

Revenue NY rev (3m)0.18%

Valuation

		Industry Rank	Sector Rank
PE	7.56
Fwd PE	7.17
P/S	1.3
P/FCF	N/A
P/OCF	17.59
P/B	0.92
P/tB	1.17
EV/EBITDA	N/A

EPS(TTM)0.77

EY13.22%

EPS(NY)0.81

Fwd EY13.94%

FCF(TTM)-0.57

FCFYN/A

OCF(TTM)0.33

OCFY5.68%

SpS4.49

BVpS6.3

TBVpS4.99

PEG (NY)1.45

PEG (5Y)0.46

Profitability

		Industry Rank	Sector Rank
ROA	0.62%
ROE	11.61%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	16.27%
GM	N/A
FCFM	N/A

ROA(3y)0.56%

ROA(5y)0.31%

ROE(3y)10.58%

ROE(5y)5.5%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5Y4.44%

GM growth 3YN/A

GM growth 5YN/A

F-Score6

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	3.23
Debt/FCF	N/A
Debt/EBITDA	N/A
Cap/Depr	428.49%
Cap/Sales	20.04%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score6

WACC4.95%

ROIC/WACCN/A

Cap/Depr(3y)401.8%

Cap/Depr(5y)395.97%

Cap/Sales(3y)19.79%

Cap/Sales(5y)19.84%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)18.69%

EPS 3Y20.22%

EPS 5Y16.47%

EPS Q2Q%18.51%

EPS Next Y5.23%

EPS Next 2Y7.12%

EPS Next 3Y7.75%

EPS Next 5Y0.77%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%12.71%

Revenue Next Year0.61%

Revenue Next 2Y1.76%

Revenue Next 3Y2.2%

Revenue Next 5Y2.08%

EBIT growth 1YN/A

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-151.16%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-81.9%

OCF growth 3Y-57.68%

OCF growth 5Y7.98%

BANCO SANTANDER SA (1SANX.MI) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

More info and screens