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BANCO SANTANDER SA-SPON ADR (SAN) Stock Fundamental Analysis

NYSE:SAN - New York Stock Exchange, Inc. - US05964H1059 - ADR - Currency: USD

7.1  +0.16 (+2.31%)

After market: 7.12 +0.02 (+0.28%)

Fundamental Rating

2

SAN gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 398 industry peers in the Banks industry. SAN may be in some trouble as it scores bad on both profitability and health. SAN has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year SAN was profitable.
In the past year SAN had a positive cash flow from operations.
The reported net income has been mixed in the past 5 years: SAN reported negative net income in multiple years.
Of the past 5 years SAN 4 years had a positive operating cash flow.
SAN Yearly Net Income VS EBIT VS OCF VS FCFSAN Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20B 40B 60B

1.2 Ratios

SAN has a Return On Assets of 0.62%. This is in the lower half of the industry: SAN underperforms 64.82% of its industry peers.
With an excellent Return On Equity value of 11.61%, SAN belongs to the best of the industry, outperforming 80.40% of the companies in the same industry.
Industry RankSector 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
SAN Yearly ROA, ROE, ROICSAN Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 5 -5 10 -10

1.3 Margins

SAN has a worse Profit Margin (16.27%) than 73.12% of its industry peers.
In the last couple of years the Profit Margin of SAN has grown nicely.
SAN does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector 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
SAN Yearly Profit, Operating, Gross MarginsSAN Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 10 -10

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0

2. Health

2.1 Basic Checks

SAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for SAN. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
SAN Yearly Shares OutstandingSAN Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 5B 10B 15B
SAN Yearly Total Debt VS Total AssetsSAN Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 500B 1T 1.5T

2.2 Solvency

A Debt/Equity ratio of 3.23 is on the high side and indicates that SAN has dependencies on debt financing.
SAN has a Debt to Equity ratio of 3.23. This is amonst the worse of the industry: SAN underperforms 94.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.23
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC5.15%
SAN Yearly LT Debt VS Equity VS FCFSAN Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 100B 200B 300B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
SAN Yearly Current Assets VS Current LiabilitesSAN Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 1B 2B 3B

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3. Growth

3.1 Past

SAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.46%, which is quite good.
SAN shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 16.42% yearly.
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

Based on estimates for the next years, SAN will show a small growth in Earnings Per Share. The EPS will grow by 1.39% on average per year.
The Revenue is expected to decrease by -0.27% on average over the next years.
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.
SAN Yearly Revenue VS EstimatesSAN Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 20B 40B 60B
SAN Yearly EPS VS EstimatesSAN Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0.2 0.4 0.6 0.8 1

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4. Valuation

4.1 Price/Earnings Ratio

SAN is valuated cheaply with a Price/Earnings ratio of 7.40.
Based on the Price/Earnings ratio, SAN is valued cheaper than 93.47% of the companies in the same industry.
When comparing the Price/Earnings ratio of SAN to the average of the S&P500 Index (28.64), we can say SAN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 6.78, the valuation of SAN can be described as very cheap.
Based on the Price/Forward Earnings ratio, SAN is valued cheaper than 91.46% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.44, SAN is valued rather cheaply.
Industry RankSector Rank
PE 7.4
Fwd PE 6.78
SAN Price Earnings VS Forward Price EarningsSAN Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
SAN Per share dataSAN EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

SAN's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.77
PEG (5Y)0.45
EPS Next 2Y9.52%
EPS Next 3Y10.59%

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5. Dividend

5.1 Amount

SAN has a Yearly Dividend Yield of 2.86%.
Compared to an average industry Dividend Yield of 3.68, SAN is paying slightly less dividend.
Compared to an average S&P500 Dividend Yield of 2.52, SAN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.86%

5.2 History

The dividend of SAN decreases each year by -5.41%.
SAN has paid a dividend for at least 10 years, which is a reliable track record.
SAN has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)-5.41%
Div Incr Years3
Div Non Decr Years3
SAN Yearly Dividends per shareSAN Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2021 2022 2023 2024 2025 0.1 0.2 0.3

5.3 Sustainability

20.41% of the earnings are spent on dividend by SAN. This is a low number and sustainable payout ratio.
DP20.41%
EPS Next 2Y9.52%
EPS Next 3Y10.59%
SAN Yearly Income VS Free CF VS DividendSAN Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20B 40B
SAN Dividend Payout.SAN Dividend Payout, showing the Payout Ratio.SAN Dividend Payout.PayoutRetained Earnings

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BANCO SANTANDER SA-SPON ADR

NYSE:SAN (4/23/2025, 7:36:01 PM)

After market: 7.12 +0.02 (+0.28%)

7.1

+0.16 (+2.31%)

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 Change0.01%
Ins Owners1.5%
Ins Owner ChangeN/A
Market Cap106.12B
Analysts80.67
Price Target7.33 (3.24%)
Short Float %0.04%
Short Ratio1.2
Dividend
Industry RankSector Rank
Dividend Yield 2.86%
Yearly Dividend0.17
Dividend Growth(5Y)-5.41%
DP20.41%
Div Incr Years3
Div Non Decr Years3
Ex-Date04-30 2025-04-30 (0.115181)
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)12.96%
PT rev (3m)21.58%
EPS NQ rev (1m)0.93%
EPS NQ rev (3m)1.35%
EPS NY rev (1m)0.93%
EPS NY rev (3m)3.04%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.17%
Valuation
Industry RankSector Rank
PE 7.4
Fwd PE 6.78
P/S 1.36
P/FCF N/A
P/OCF 18.44
P/B 0.97
P/tB 1.22
EV/EBITDA N/A
EPS(TTM)0.96
EY13.52%
EPS(NY)1.05
Fwd EY14.74%
FCF(TTM)-0.66
FCFYN/A
OCF(TTM)0.39
OCFY5.42%
SpS5.23
BVpS7.33
TBVpS5.8
PEG (NY)0.77
PEG (5Y)0.45
Profitability
Industry RankSector 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 RankSector 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
WACC5.15%
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%