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

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

6.03  0 (0%)

After market: 6.03 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to SAN. SAN was compared to 405 industry peers in the Banks industry. SAN has a bad profitability rating. Also its financial health evaluation is rather negative. SAN is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year SAN was profitable.
SAN had a positive operating cash flow in the past year.
In multiple years SAN reported negative net income over the last 5 years.
SAN had a positive operating cash flow in 4 of the past 5 years.
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 worse Return On Assets (0.62%) than 64.32% of its industry peers.
SAN has a better Return On Equity (11.61%) than 82.41% of its industry peers.
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

The Profit Margin of SAN (16.27%) is worse 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 worse Debt to Equity ratio (3.23) than 96.23% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.23
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC4.88%
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

3. Growth

3.1 Past

SAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 18.69%, 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 16.47% yearly.
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

SAN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 0.77% yearly.
The Revenue is expected to grow by 2.12% on average over the next years.
EPS Next Y2.99%
EPS Next 2Y5.35%
EPS Next 3Y-0.08%
EPS Next 5Y0.77%
Revenue Next Year0.28%
Revenue Next 2Y1.48%
Revenue Next 3Y0.93%
Revenue Next 5Y2.12%

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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5

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 7.01, which indicates a rather cheap valuation of SAN.
94.47% of the companies in the same industry are more expensive than SAN, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 29.63. SAN is valued rather cheaply when compared to this.
SAN is valuated cheaply with a Price/Forward Earnings ratio of 6.81.
SAN's Price/Forward Earnings ratio is rather cheap when compared to the industry. SAN is cheaper than 94.22% of the companies in the same industry.
SAN is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 7.01
Fwd PE 6.81
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

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates SAN does not grow enough to justify the current Price/Earnings ratio.
PEG (NY)2.34
PEG (5Y)0.43
EPS Next 2Y5.35%
EPS Next 3Y-0.08%

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4

5. Dividend

5.1 Amount

SAN has a Yearly Dividend Yield of 2.71%. Purely for dividend investing, there may be better candidates out there.
SAN's Dividend Yield is comparable with the industry average which is at 3.18.
Compared to an average S&P500 Dividend Yield of 2.27, SAN has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.71%

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 0.1 0.2 0.3

5.3 Sustainability

SAN pays out 20.41% of its income as dividend. This is a sustainable payout ratio.
DP20.41%
EPS Next 2Y5.35%
EPS Next 3Y-0.08%
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 (2/21/2025, 8:04:00 PM)

After market: 6.03 0 (0%)

6.03

0 (0%)

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 Change1.9%
Ins Owners1.5%
Ins Owner ChangeN/A
Market Cap91.34B
Analysts80
Price Target6.12 (1.49%)
Short Float %0.04%
Short Ratio1.85
Dividend
Industry RankSector Rank
Dividend Yield 2.71%
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)1.61%
PT rev (3m)-2.3%
EPS NQ rev (1m)0%
EPS NQ rev (3m)1.52%
EPS NY rev (1m)1.61%
EPS NY rev (3m)3.15%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.04%
Valuation
Industry RankSector Rank
PE 7.01
Fwd PE 6.81
P/S 1.28
P/FCF N/A
P/OCF 17.44
P/B 0.92
P/tB 1.16
EV/EBITDA N/A
EPS(TTM)0.86
EY14.26%
EPS(NY)0.89
Fwd EY14.68%
FCF(TTM)-0.59
FCFYN/A
OCF(TTM)0.35
OCFY5.73%
SpS4.69
BVpS6.58
TBVpS5.21
PEG (NY)2.34
PEG (5Y)0.43
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
WACC4.88%
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 Y2.99%
EPS Next 2Y5.35%
EPS Next 3Y-0.08%
EPS Next 5Y0.77%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.71%
Revenue Next Year0.28%
Revenue Next 2Y1.48%
Revenue Next 3Y0.93%
Revenue Next 5Y2.12%
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%