Stock AnalizBanco Santander, S.A. SAN
Commercial Banks · data as of November 13, 2026
Banco Santander, S.A. (SAN) is a financial company listed in the US with a market value of about $176.7B. In the twelve months to September 30, 2026 it had revenue of $70.2B and net income of $18.5B, a net margin of 26.4%.
Its overall Stock Analiz score is 1.2 out of 5 (weak). The strongest part is value (2/5); the weakest is future growth (0/5).
Key numbers: a P/E of 11.5, a 5-year average ROIC of 17%. A discounted cash flow model with moderate assumptions puts its intrinsic value about 12% below the current price.
Score: 1.2 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- 5-year average ROIC above 12%
- Profitable 5 years in a row
- Pays a dividend
- Dividend 3 years in a row
Checks not passed
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- Profit margin improving
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $70.2B | — | — | — | — | — | — | — | — | $89.0B | $78.2B |
| Net income | $18.5B | $16.6B | $13.1B | $12.2B | $10.2B | $9.2B | -$10.8B | $7.3B | $8.9B | $7.9B | $6.5B |
| Free cash flow | — | -$24.3B | -$33.9B | -$7.1B | $19.9B | $52.9B | $72.1B | -$10.5B | -$8.4B | $39.3B | $16.1B |
| EPS (diluted) | $1.27 | $1.14 | $0.90 | $0.85 | $0.71 | $0.64 | $-0.74 | $0.51 | $0.62 | $0.55 | $0.45 |
| Net margin | 26.4% | — | — | — | — | — | — | — | — | 8.9% | 8.4% |
| ROIC | — | — | — | — | — | 17.1% | 20.0% | 13.8% | 14.2% | 14.8% | 15.2% |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
Frequently asked questions
What is Banco Santander’s P/E ratio?
About 11.5, based on the last twelve months of diluted earnings per share (forward P/E about 8.7).
Is Banco Santander stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 12% below the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Banco Santander pay a dividend?
Yes. The dividend yield is about 2.36%, and it has paid dividends for 9 years in our data.
Is Banco Santander a good stock to buy?
We do not give buy or sell advice. Banco Santander scores 1.2 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.