BANCO SANTANDER SA-SPON ADR (SAN)
US05964H1059 - ADR
Overall SAN gets a fundamental rating of 3 out of 10. We evaluated SAN against 406 industry peers in the Banks industry. SAN may be in some trouble as it scores bad on both profitability and health. SAN is not valued too expensively and it also shows a decent growth rate.
1. Profitability
1.1 Basic Checks
SAN had positive earnings in the past year.
In the past year SAN had a positive cash flow from operations.
SAN had positive earnings in 4 of the past 5 years.
Each year in the past 5 years SAN had a positive operating cash flow.
1.2 Ratios
The Return On Assets of SAN (0.62%) is worse than 63.86% of its industry peers.
SAN's Return On Equity of 11.61% is amongst the best of the industry. SAN outperforms 83.17% 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
SAN has a Profit Margin of 16.27%. This is in the lower half of the industry: SAN underperforms 71.29% of its industry peers.
SAN's Profit Margin has improved in the last couple of years.
The Operating Margin and Gross Margin are not available for SAN 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
2. Health
2.1 Basic Checks
SAN does not have a ROIC to compare to the WACC, probably because it is not profitable.
SAN has less shares outstanding than it did 1 year ago.
SAN has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, SAN has a worse debt to assets ratio.
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 96.29% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.23 | ||
| Debt/FCF | N/A | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC4.65%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
SAN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.11%, which is quite impressive.
The Earnings Per Share has been growing slightly by 7.91% on average over the past years.
The Revenue has been growing slightly by 5.33% in the past year.
Measured over the past years, SAN shows a small growth in Revenue. The Revenue has been growing by 2.68% on average per year.
EPS 1Y (TTM)21.11%
EPS 3Y35.55%
EPS 5Y7.91%
EPS Q2Q%17.65%
Revenue 1Y (TTM)5.33%
Revenue growth 3Y7.26%
Revenue growth 5Y2.68%
Sales Q2Q%1.84%
3.2 Future
The Earnings Per Share is expected to grow by 3.86% on average over the next years.
Based on estimates for the next years, SAN will show a small growth in Revenue. The Revenue will grow by 2.70% on average per year.
EPS Next Y15.61%
EPS Next 2Y10.14%
EPS Next 3Y8.77%
EPS Next 5Y3.86%
Revenue Next Year6.37%
Revenue Next 2Y3.66%
Revenue Next 3Y3.35%
Revenue Next 5Y2.7%
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 5.57, the valuation of SAN can be described as very cheap.
Compared to the rest of the industry, the Price/Earnings ratio of SAN indicates a rather cheap valuation: SAN is cheaper than 96.29% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.73, SAN is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 5.24, the valuation of SAN can be described as very cheap.
SAN's Price/Forward Earnings ratio is rather cheap when compared to the industry. SAN is cheaper than 96.29% of the companies in the same industry.
SAN's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.83.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.57 | ||
| Fwd PE | 5.24 |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
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)0.36
PEG (5Y)0.7
EPS Next 2Y10.14%
EPS Next 3Y8.77%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 3.59%, SAN has a reasonable but not impressive dividend return.
SAN's Dividend Yield is a higher than the industry average which is at 3.02.
Compared to an average S&P500 Dividend Yield of 2.24, SAN pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
5.2 History
The dividend of SAN decreases each year by -5.41%.
SAN has been paying a dividend for at least 10 years, so it has 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
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 2Y10.14%
EPS Next 3Y8.77%
BANCO SANTANDER SA-SPON ADR
NYSE:SAN (12/20/2024, 8:04:00 PM)
After market: 4.53 +0.02 (+0.44%)4.51
-0.03 (-0.66%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners31.99%
Inst Owner Change2.19%
Ins Owners1.46%
Ins Owner ChangeN/A
Market Cap68.32B
Analysts81.33
Price Target6.16 (36.59%)
Short Float %0.06%
Short Ratio3.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.59% |
Dividend Growth(5Y)-5.41%
DP20.41%
Div Incr Years3
Div Non Decr Years3
Ex-Date
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)-1.8%
PT rev (3m)-3.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.71%
EPS NY rev (1m)0%
EPS NY rev (3m)1.11%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.12%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 5.57 | ||
| Fwd PE | 5.24 | ||
| P/S | 0.98 | ||
| P/FCF | N/A | ||
| P/OCF | 13.3 | ||
| P/B | 0.7 | ||
| P/tB | 0.88 | ||
| EV/EBITDA | N/A |
EPS(TTM)0.81
EY17.96%
EPS(NY)0.86
Fwd EY19.1%
FCF(TTM)-0.58
FCFYN/A
OCF(TTM)0.34
OCFY7.52%
SpS4.6
BVpS6.45
TBVpS5.11
PEG (NY)0.36
PEG (5Y)0.7
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
WACC4.65%
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)21.11%
EPS 3Y35.55%
EPS 5Y7.91%
EPS Q2Q%17.65%
EPS Next Y15.61%
EPS Next 2Y10.14%
EPS Next 3Y8.77%
EPS Next 5Y3.86%
Revenue 1Y (TTM)5.33%
Revenue growth 3Y7.26%
Revenue growth 5Y2.68%
Sales Q2Q%1.84%
Revenue Next Year6.37%
Revenue Next 2Y3.66%
Revenue Next 3Y3.35%
Revenue Next 5Y2.7%
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%