SAN$10.73
$10.74
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Performance
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AI SAN Summary
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Powered by LiveAIOverall Analysis
BuyBanco Santander exhibits strong fundamental performance with a solid dividend yield and robust profitability. While recent technicals indicate potential short-term headwinds, its broad diversification across geographies and business lines provides resilience, supported by positive thematic trends in financial services and digital banking.
Thematic
Banco Santander is positioned to benefit from ongoing digitalization in banking and economic recovery in key markets, though it faces competition from fintechs and evolving regulatory landscapes.
Fundamental
Banco Santander demonstrates strong profitability, consistent revenue growth, and a healthy dividend yield, supported by a solid balance sheet and improving efficiency ratios.
Technical
The stock is experiencing mixed signals. While it shows strength in longer-term trends, shorter-term indicators suggest a potential for consolidation or minor downside pressure.
| Factor | Score |
|---|---|
| Digital Banking Transformation | 85 |
| Economic Growth in Key Markets | 75 |
| Interest Rate Sensitivity | 60 |
| Regulatory Environment | 55 |
| ESG Initiatives | 75 |
| Factor | Score |
|---|---|
| Valuation | 85 |
| Profitability | 90 |
| Growth | 80 |
| Balance Sheet Health | 75 |
| Cash Flow | 70 |
| Dividend Yield | 95 |
| Factor | Score |
|---|---|
| Trend Analysis | 70 |
| Momentum | 30 |
| Volume Confirmation | 60 |
| Support & Resistance | 70 |
| Overall Short-Term Sentiment | 30 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Improving EPS Trends
Recent EPS has shown a positive trend, with reported EPS exceeding estimates in several quarters. For instance, Q2 2025 reported EPS was 0.21, beating the estimate of 0.18, indicating strong operational execution.
Attractive P/E Ratio
The trailing P/E ratio of 13.3 is relatively low, especially when considering the company's historical performance and its industry peers. This suggests the stock might be undervalued.
Bearish Points (7)
High Debt Load
The company carries a substantial amount of debt, with total debt at $327.72 billion in Q4 2024. While cash equivalents are high, the significant debt level could pose a risk if interest rates rise or earnings decline.
Slowing Revenue Growth (Quarterly)
While annual revenue showed growth, quarterly revenue figures suggest some deceleration, with Q1 2025 revenue at $16.05 billion compared to $16.48 billion in Q1 2024. This warrants monitoring.
Calendar
April 2025
30
Ex-Dividend Date
May 2025
7
Next Dividend Date
July 2025
30
Next Earnings Date
H: $0.25
A: $0.25
L: $0.25
H: 15.64B
A: 15.41B
L: 15.10B
Profile
Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; private and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, payment and collection, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, rental, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. Banco Santander, S.A. was incorporated in 1856 and is headquartered in Madrid, Spain.
Seasonals
Price Target
7.45 USD
The 39 analysts offering 1 year price forecasts for SAN have a max estimate of 8.60 and a min estimate of 6.30.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
Related Companies
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