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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 Mega Cap
Banco Santander, S.A. (SAN), is a Mega Cap company, in the Banks - Diversified industry, last closed at $13.21, about 45.2% overvalued vs fair value, +51.0% 1Y return, ranked 553/1078 in sector.
Metrics P/E 11.9× Rev Growth -0.5% ROE 14.0% Gross Margin 80.0% Div Yield 1.92%
USD 13.21
-3.22%
(Delayed)
• Vol 90d: 37.6%
52-Week Range
Market Cap
$208.96B
Enterprise Value
$266.17B
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Weak
Profitability
Fair
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 86%
Updated: Jul 5
Top Beats
No strong beats yet

Quick Facts

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

Next Events

Earnings Jul 22

Fair Value Snapshot

Bear Base Bull
$4
$7
$14
Current: $13.21 -45% vs base

Engine Room Money Flow™

Mega 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
$60.0B
-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

$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
54
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Moderate
69
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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 (27.2%), Profitability (60.1%), and Safety (12.8%). Growth 27% Safety 13% Profitability 60%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

27th percentile vs peers
27
Key Signals
EPS Growth YoY 16.0% 48p Asset Growth YoY 1.7% 27p Equity Growth YoY 4.6% 30p NII Growth YoY -3.3% 12p
Strengths
  • ROTE in top 20% of peers (17.1%, 82th percentile)
  • ROE in top 20% of peers (14.0%, 82th percentile)
Risks
  • NII Growth YoY in bottom 20% of peers (-3.3%)

Profitability

60th percentile vs peers
60
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
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Bear
-
- - -
- upside
-
Base
$7.24
- - -
-45.2% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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