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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 Framework: Banks & Lenders Large Cap
Banco Santander, S.A. (SAN), is a Large Cap company, in the Banks - Diversified industry, last closed at $11.46, about 26.7% overvalued vs fair value, +11.4% 1Y return, ranked 598/1078 in sector.
Metrics P/E 10.2× Rev Growth -0.5% ROE 14.0% Gross Margin 80.0% Div Yield 2.25%
USD 11.46
2.41%
(Delayed)
• Vol 90d: 32.4%
52-Week Range
Market Cap
$166.78B
Enterprise Value
$264.72B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Weak
Health
Fair
Efficiency
Weak
Valuation
Fair
Completeness: 94%
Confidence: 95%
Updated: Oct 31
Top Beats

Quick Facts

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

Next Events

Dividend Nov 5

Fair Value Snapshot

Bear Base Bull
$5
$8
$16
Current: $11.46 -27% vs base

Engine Room Money Flow™

Large Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
EUR 101.7B
-6.7%%
Interest Expense
EUR 59.4B
Net Interest Income
EUR 42.3B
-3.3%%
Total Revenue
EUR 60.0B
-0.5%%
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
14.3%
Good

Net Income / Equity - key bank profitability metric

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

EUR 7.4B
50.4% 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
50
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key risks

  • Capital Adequacy Concerns Capital adequacy is concerning (score 0.26).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.32).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Moderate
59
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Signals, strengths and risks for Deposit Franchise

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Signals, strengths and risks for Lending Advantage

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Signals, strengths and risks for Capital Strength

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Signals, strengths and risks for Cost Discipline

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Signals, strengths and risks for Revenue Diversification

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Signals, strengths and risks for Risk Management

Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing SAN's balance between Growth (27.3%), Profitability (59.5%), and Safety (13.2%). Growth 27% Safety 13% Profitability 60%

Click axes to expand details. Marker shows current allocation.

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Growth

26th percentile vs peers
27
Key Signals
EPS Growth YoY 16.0% 47p Asset Growth YoY 1.7% 27p Equity Growth YoY 4.6% 29p NII Growth YoY -3.3% 11p
Strengths
  • ROTE in top 20% of peers (17.1%, 82th percentile)
  • ROE in top 20% of peers (14.0%, 83th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-3.3%)

Profitability

58th percentile vs peers
58
Key Signals
Strengths
Risks
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Safety

12th percentile vs peers
13
Key Signals
Strengths
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Two Futures

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

Loading valuation model...
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
$8.40
- - -
-26.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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