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Company Analysis

Banco Santander, S.A. Sponsored SAN

A comprehensive view of key metrics, scores, and financial health for Banco Santander, S.A. Sponsored

Overview of Banco Santander, S.A.

SAN NYQ
Financial Services Banks - Diversified Large Cap
Banco Santander, S.A. (SAN), is a Large Cap company, in the Banks - Diversified industry, last closed at $10.77, about 36.8% overvalued vs fair value, +56.5% 1Y return, ranked 511/1004 in sector.
$10.77
-2.00%
As of March 13, 2026
Previous close • Vol 90d: 36.3%
52-Week Range
Market Cap
$164.46B
Enterprise Value
$216.94B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.santander.com
HQ Madrid
Employees 192,241
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$4
$7
$13
Current: $10.77 -37% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$101.7B
-6.7%%
Interest Expense
$59.4B
Net Interest Income
$42.3B
-3.3%%
Total Revenue
$60.5B
-1.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
13.7%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.8B
55.4% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Banco Santander, S.A. Sponsored's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
52
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
68
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing SAN's balance between Growth (11.0%), Profitability (45.9%), and Safety (43.1%). Growth 11% Safety 43% Profitability 46%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

12th percentile vs peers
13
Key Signals
Asset Growth YoY 1.7% 21p Revenue CAGR 3Y 3.7% 15p Rev Growth YoY -1.1% 3p
Strengths
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth in bottom 20% of peers (percentile: 12)
  • Rev Growth Yoy in bottom 20% of peers (-1.1%)

Profitability

53th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

50th percentile vs peers
50
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Banco Santander, S.A. Sponsored.

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$6.81
- - -
-36.8% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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