BANCO SANTANDER SA (1SANX.MI) Stock Fundamental Analysis
Europe - Euronext Milan - BIT:1SANX - ES0113900J37 - Common Stock
8.934 EUR
+0 (+0.02%)
1SANX gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 106 industry peers in the Banks industry. 1SANX may be in some trouble as it scores bad on both profitability and health. 1SANX has a correct valuation and a medium growth rate.
1. Profitability
1.1 Basic Checks
In the past year 1SANX was profitable.
Of the past 5 years 1SANX 4 years were profitable.
1SANX had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.74%, 1SANX perfoms like the industry average, outperforming 46.79% of the companies in the same industry.
1SANX has a better Return On Equity (13.46%) than 67.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 13.46% | ||
| ROIC | N/A |
ROA(3y)0.62%
ROA(5y)0.36%
ROE(3y)11.71%
ROE(5y)6.74%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
1SANX has a worse Profit Margin (19.79%) than 66.06% of its industry peers.
In the last couple of years the Profit Margin of 1SANX has grown nicely.
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) | 19.79% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.17%
PM growth 5Y10.55%
GM growth 3YN/A
GM growth 5YN/A
2. Health
2.1 Basic Checks
1SANX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for 1SANX has been reduced compared to 1 year ago.
The number of shares outstanding for 1SANX has been reduced compared to 5 years ago.
The debt/assets ratio for 1SANX is higher compared to a year ago.
2.2 Solvency
A Debt/Equity ratio of 3.13 is on the high side and indicates that 1SANX has dependencies on debt financing.
1SANX has a worse Debt to Equity ratio (3.13) than 70.64% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.13 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC5.44%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 16.22% over the past year.
The Earnings Per Share has been growing by 16.42% on average over the past years. This is quite good.
Looking at the last year, 1SANX shows a small growth in Revenue. The Revenue has grown by 0.08% in the last year.
The Revenue has been growing slightly by 3.17% on average over the past years.
EPS 1Y (TTM)16.22%
EPS 3Y20.14%
EPS 5Y16.42%
EPS Q2Q%15%
Revenue 1Y (TTM)0.08%
Revenue growth 3Y8.95%
Revenue growth 5Y3.17%
Sales Q2Q%0.87%
3.2 Future
1SANX is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.29% yearly.
The Revenue is expected to grow by 2.63% on average over the next years.
EPS Next Y16.96%
EPS Next 2Y13.07%
EPS Next 3Y12.69%
EPS Next 5Y3.29%
Revenue Next Year0.99%
Revenue Next 2Y0.31%
Revenue Next 3Y1.46%
Revenue Next 5Y2.63%
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.
The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 10.39, the valuation of 1SANX can be described as very reasonable.
Based on the Price/Earnings ratio, 1SANX is valued a bit cheaper than the industry average as 61.47% of the companies are valued more expensively.
When comparing the Price/Earnings ratio of 1SANX to the average of the S&P500 Index (26.56), we can say 1SANX is valued rather cheaply.
1SANX is valuated reasonably with a Price/Forward Earnings ratio of 9.07.
Compared to the rest of the industry, the Price/Forward Earnings ratio of 1SANX indicates a rather cheap valuation: 1SANX is cheaper than 84.40% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.79. 1SANX is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.39 | ||
| Fwd PE | 9.07 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
1SANX's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
1SANX's earnings are expected to grow with 12.69% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.61
PEG (5Y)0.63
EPS Next 2Y13.07%
EPS Next 3Y12.69%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 1.92%, 1SANX has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 4.33, 1SANX's dividend is way lower than its industry peers. On top of this 85.32% 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 1.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.92% |
5.2 History
The dividend of 1SANX decreases each year by -2.45%.
Dividend Growth(5Y)-2.45%
Div Incr Years0
Div Non Decr Years0
5.3 Sustainability
DPN/A
EPS Next 2Y13.07%
EPS Next 3Y12.69%
BIT:1SANX (11/20/2025, 7:00:00 PM)
8.934
+0 (+0.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners37.87%
Inst Owner ChangeN/A
Ins Owners0.48%
Ins Owner ChangeN/A
Market Cap131.75B
Revenue(TTM)68.73B
Net Income(TTM)13.60B
Analysts80
Price Target9.63 (7.79%)
Short Float %N/A
Short RatioN/A
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 1.92% |
Yearly Dividend0.19
Dividend Growth(5Y)-2.45%
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)1.73%
Min EPS beat(2)-0.99%
Max EPS beat(2)4.46%
EPS beat(4)3
Avg EPS beat(4)12.15%
Min EPS beat(4)-0.99%
Max EPS beat(4)43.7%
EPS beat(8)5
Avg EPS beat(8)7.69%
EPS beat(12)8
Avg EPS beat(12)5.75%
EPS beat(16)12
Avg EPS beat(16)5.35%
Revenue beat(2)0
Avg Revenue beat(2)-1.41%
Min Revenue beat(2)-1.53%
Max Revenue beat(2)-1.28%
Revenue beat(4)2
Avg Revenue beat(4)0.09%
Min Revenue beat(4)-1.53%
Max Revenue beat(4)3.06%
Revenue beat(8)3
Avg Revenue beat(8)-0.38%
Revenue beat(12)6
Avg Revenue beat(12)3.71%
Revenue beat(16)10
Avg Revenue beat(16)9.94%
PT rev (1m)5.1%
PT rev (3m)15.85%
EPS NQ rev (1m)3.01%
EPS NQ rev (3m)11.61%
EPS NY rev (1m)0.85%
EPS NY rev (3m)2.48%
Revenue NQ rev (1m)1.55%
Revenue NQ rev (3m)3.38%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.36%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.39 | ||
| Fwd PE | 9.07 | ||
| P/S | 1.92 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.3 | ||
| P/tB | 1.57 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.86
EY9.63%
EPS(NY)0.98
Fwd EY11.02%
FCF(TTM)N/A
FCFYN/A
OCF(TTM)N/A
OCFYN/A
SpS4.66
BVpS6.85
TBVpS5.68
PEG (NY)0.61
PEG (5Y)0.63
Graham Number11.52
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 13.46% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 19.79% | ||
| GM | N/A | ||
| FCFM | N/A |
ROA(3y)0.62%
ROA(5y)0.36%
ROE(3y)11.71%
ROE(5y)6.74%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y6.17%
PM growth 5Y10.55%
GM growth 3YN/A
GM growth 5YN/A
F-ScoreN/A
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.13 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | N/A | ||
| Cap/Sales | N/A | ||
| 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-ScoreN/A
WACC5.44%
ROIC/WACCN/A
Cap/Depr(3y)371.12%
Cap/Depr(5y)366.07%
Cap/Sales(3y)17.82%
Cap/Sales(5y)18.1%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)16.22%
EPS 3Y20.14%
EPS 5Y16.42%
EPS Q2Q%15%
EPS Next Y16.96%
EPS Next 2Y13.07%
EPS Next 3Y12.69%
EPS Next 5Y3.29%
Revenue 1Y (TTM)0.08%
Revenue growth 3Y8.95%
Revenue growth 5Y3.17%
Sales Q2Q%0.87%
Revenue Next Year0.99%
Revenue Next 2Y0.31%
Revenue Next 3Y1.46%
Revenue Next 5Y2.63%
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-302.79%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-581.65%
OCF growth 3YN/A
OCF growth 5YN/A
BANCO SANTANDER SA / 1SANX.MI FAQ
Can you provide the ChartMill fundamental rating for BANCO SANTANDER SA?
ChartMill assigns a fundamental rating of 3 / 10 to 1SANX.MI.
Can you provide the valuation status for BANCO SANTANDER SA?
ChartMill assigns a valuation rating of 5 / 10 to BANCO SANTANDER SA (1SANX.MI). This can be considered as Fairly Valued.
What is the profitability of 1SANX stock?
BANCO SANTANDER SA (1SANX.MI) has a profitability rating of 3 / 10.
What are the PE and PB ratios of BANCO SANTANDER SA (1SANX.MI) stock?
The Price/Earnings (PE) ratio for BANCO SANTANDER SA (1SANX.MI) is 10.39 and the Price/Book (PB) ratio is 1.3.
How financially healthy is BANCO SANTANDER SA?
The financial health rating of BANCO SANTANDER SA (1SANX.MI) is 1 / 10.