BANCO SANTANDER SA(FRA:BSD2) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 2 out of 10 to BSD2. BSD2 was compared to 95 industry peers in the Banks industry. BSD2 may be in some trouble as it scores bad on both profitability and health. BSD2 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 BSD2 was profitable.

BSD2 had a positive operating cash flow in the past year.

The reported net income has been mixed in the past 5 years: BSD2 reported negative net income in multiple years.

Of the past 5 years BSD2 4 years had a positive operating cash flow.

1.2 Ratios

BSD2 has a Return On Assets (0.62%) which is comparable to the rest of the industry.

BSD2 has a Return On Equity (11.61%) which is comparable to the rest of the industry.

		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

The Profit Margin of BSD2 (16.27%) is worse than 68.42% of its industry peers.

In the last couple of years the Profit Margin of BSD2 has grown nicely.

The Operating Margin and Gross Margin are not available for BSD2 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

BSD2 does not have a ROIC to compare to the WACC, probably because it is not profitable.

There is no outstanding debt for BSD2. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.

2.2 Solvency

BSD2 has a Debt/Equity ratio of 3.23. This is a high value indicating a heavy dependency on external financing.

With a Debt to Equity ratio value of 3.23, BSD2 is not doing good in the industry: 72.63% of the companies in the same industry are doing better.

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

ROIC/WACCN/A

WACC5.17%

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

BSD2 shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.46%, which is quite good.

The Earnings Per Share has been growing by 16.42% on average over the past years. This is quite good.

EPS 1Y (TTM)18.46%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%17.65%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%10.13%

3.2 Future

BSD2 is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 1.39% yearly.

Based on estimates for the next years, BSD2 will show a decrease in Revenue. The Revenue will decrease by -0.27% on average per year.

EPS Next Y9.57%

EPS Next 2Y9.52%

EPS Next 3Y10.59%

EPS Next 5Y1.39%

Revenue Next Year0.94%

Revenue Next 2Y1.98%

Revenue Next 3Y2.4%

Revenue Next 5Y-0.27%

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

A Price/Earnings ratio of 8.13 indicates a reasonable valuation of BSD2.

BSD2's Price/Earnings ratio is a bit cheaper when compared to the industry. BSD2 is cheaper than 65.26% of the companies in the same industry.

BSD2's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.92.

Based on the Price/Forward Earnings ratio of 7.42, the valuation of BSD2 can be described as very cheap.

84.21% of the companies in the same industry are more expensive than BSD2, based on the Price/Forward Earnings ratio.

Compared to an average S&P500 Price/Forward Earnings ratio of 21.65, BSD2 is valued rather cheaply.

		Industry Rank	Sector Rank
PE	8.13
Fwd PE	7.42

4.2 Price Multiples

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

4.3 Compensation for Growth

BSD2's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.85

PEG (5Y)0.5

EPS Next 2Y9.52%

EPS Next 3Y10.59%

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5. Dividend

5.1 Amount

BSD2 has a Yearly Dividend Yield of 2.86%. Purely for dividend investing, there may be better candidates out there.

Compared to an average industry Dividend Yield of 5.47, BSD2's dividend is way lower than its industry peers. On top of this 86.32% of the companies listed in the same industry pay a better dividend than BSD2!

Compared to an average S&P500 Dividend Yield of 2.51, BSD2 has a dividend comparable with the average S&P500 company.

		Industry Rank	Sector Rank
Dividend Yield	2.86%

5.2 History

The dividend of BSD2 decreases each year by -5.41%.

Dividend Growth(5Y)-5.41%

Div Incr Years3

Div Non Decr Years3

5.3 Sustainability

BSD2 pays out 20.41% of its income as dividend. This is a sustainable payout ratio.

DP20.41%

EPS Next 2Y9.52%

EPS Next 3Y10.59%

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BANCO SANTANDER SA

FRA:BSD2 (4/24/2025, 7:00:00 PM)

6.261

-0.06 (-0.95%)

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 Cap93.58B

Analysts80.67

Price Target6.78 (8.29%)

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector Rank
Dividend Yield	2.86%

Yearly Dividend0.14

Dividend Growth(5Y)-5.41%

DP20.41%

Div Incr Years3

Div Non Decr Years3

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)7.2%

PT rev (3m)16.79%

EPS NQ rev (1m)0%

EPS NQ rev (3m)0%

EPS NY rev (1m)0%

EPS NY rev (3m)1.67%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)0%

Revenue NY rev (1m)0%

Revenue NY rev (3m)0.17%

Valuation

		Industry Rank	Sector Rank
PE	8.13
Fwd PE	7.42
P/S	1.37
P/FCF	N/A
P/OCF	18.66
P/B	0.98
P/tB	1.24
EV/EBITDA	N/A

EPS(TTM)0.77

EY12.3%

EPS(NY)0.84

Fwd EY13.47%

FCF(TTM)-0.58

FCFYN/A

OCF(TTM)0.34

OCFY5.36%

SpS4.55

BVpS6.38

TBVpS5.06

PEG (NY)0.85

PEG (5Y)0.5

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

WACC5.17%

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)18.46%

EPS 3Y20.14%

EPS 5Y16.42%

EPS Q2Q%17.65%

EPS Next Y9.57%

EPS Next 2Y9.52%

EPS Next 3Y10.59%

EPS Next 5Y1.39%

Revenue 1Y (TTM)N/A

Revenue growth 3YN/A

Revenue growth 5YN/A

Sales Q2Q%10.13%

Revenue Next Year0.94%

Revenue Next 2Y1.98%

Revenue Next 3Y2.4%

Revenue Next 5Y-0.27%

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 (BSD2.DE) 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

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