SAN

Banco Santander, S.A.

Fundamental data last updated:June 14, 2026

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company profile

SECTOR

Financial Services

industry

Banks - Diversified

Exchange

NYSE

County of HQ

ES

Next Earnings Date

07/22/2026

Business Summary

Banco Santander, S.A. provides various retail and commercial banking products and services to individuals, small and medium-sized enterprises, and large companies worldwide. It offers demand and time deposits, and current and savings accounts; mortgages, consumer finance, syndicated corporate loans, structured financing, cash management, export and agency finance, trade and working capital solutions, and corporate finance; and insurance products. The company also provides cash, asset, and wealth management; and private banking services. In addition, it is involved in the corporate banking; treasury, risk hedging, foreign trade, confirming, custody, and investment banking activities. The company operates through a network of 9,879 branches. The company was formerly known as Banco Santander Central Hispano S.A. and changed its name to Banco Santander, S.A. in June 2007. Banco Santander, S.A. was founded in 1856 and is headquartered in Madrid, Spain.

 


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VALUATION

P/E

11.43

Market Cap ($M USD)

$184.58B

Forward P/E

7.74

PEG

0.16

PRICE TO SALES

1.79

PRICE TO BOOK

1.49

EV / EBITDA

20.48

5-Year Average P/E

Free Cash Flow Yield

49.06%

DCF Value

$-17.85

Graham Number

$13.37

Price to FCF

2.04

EV to FCF

5.86

Earnings Yield

10.20%

FCF Yield

49.06%

DIVIDEND

Yield

2.00%

Annual Payout

$0.22

Payout Ratio

20.68%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.10

Next Year EPS Growth Estimate

$1.62

Next Year Revenue Growth Estimate

$8.54T

Return on Equity (ROE)

15.73%

FREE CASH FLOW

Operating Margin

21.30%

Debt-to-Equity

4.81

Piotroski F-Score

3

Altman Z-Score

0.30

Return on Invested Capital (ROIC)

1.02%

Current Ratio

0.00

Quick Ratio

0.00

Net Debt to EBITDA

13.35

Interest Coverage

1.32

Gross Profit margin

52.30%

FCF PER SHARE

$5.29

REVENUE PER SHARE

$6.03

Analyze SAN on TradingView

Gainseekers Quantitative Analysis

Summary

The market seems to be mispricing SAN Banco Santander, S.A. relative to its intrinsic value. With a DCF value deeply negative, the stock appears overvalued at the time of this analysis. The Forward P/E of 7.67 suggests potential undervaluation, yet the Altman Z-score of 0.30 signals distress, hinting at financial instability. The Earnings Yield of 10.22% is attractive, but the high Net Debt to EBITDA ratio of 13.35 raises red flags about leverage and risk. Overall, while some metrics suggest value, the financial health is questionable.

AI Exposure / Tech Reliance

In the rapidly evolving financial services sector, SAN Banco Santander, S.A. must embrace AI and tech innovations to stay competitive. As a diversified bank, its ability to integrate AI into risk management and customer service could enhance efficiency. However, the traditional banking model may face challenges adapting swiftly to tech-driven disruptions.

The Bull Case

For a GARP investor, SAN Banco Santander, S.A. offers intriguing opportunities. The ROIC of 1.02% may seem modest, but the FCF Yield of 0.49% indicates some level of cash generation capability. Despite a low Piotroski F-Score of 3, the operating margin of 21.30% showcases solid pricing power. These metrics suggest that while the company faces challenges, it still holds potential for capital efficiency and profitability.

The Bear Case

The structural risks surrounding SAN Banco Santander, S.A. are significant. The Price/Book ratio of 1.49 and Price/Sales of 1.79 suggest the stock is not cheap. The Altman Z-score of 0.30 is a glaring indicator of financial distress, and the Interest Coverage ratio of 1.32 highlights vulnerability to rising interest rates. Additionally, the proximity to its 52-week high suggests technical overextension, making it a risky proposition.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$3.00

Institutional Ownership %

1-Year Beta

0.96

Insider Buying % (6 Mo)

Distance to 52-Week High

5.29%

Distance to 52-Week Low

37.81%

EARNINGS SURPRISE %

-6.90%

50-DAY SMA

$11.87

200-DAY SMA

$11.18

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.