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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 7/10

vs
industry
vs
history
Cash to Debt No Debt
SAN's Cash to Debt is ranked higher than
100% of the 973 Companies
in the Global Banks - Global industry.

( Industry Median: 1.48 vs. SAN: No Debt )
Ranked among companies with meaningful Cash to Debt only.
SAN' s 10-Year Cash to Debt Range
Min: 0.05  Med: 0.51 Max: No Debt
Current: No Debt
Equity to Asset 0.07
SAN's Equity to Asset is ranked lower than
76% of the 1290 Companies
in the Global Banks - Global industry.

( Industry Median: 0.10 vs. SAN: 0.07 )
Ranked among companies with meaningful Equity to Asset only.
SAN' s 10-Year Equity to Asset Range
Min: 0.04  Med: 0.06 Max: 0.29
Current: 0.07
0.04
0.29
Interest Coverage 0.31
SAN's Interest Coverage is ranked lower than
87% of the 1205 Companies
in the Global Banks - Global industry.

( Industry Median: 1.69 vs. SAN: 0.31 )
Ranked among companies with meaningful Interest Coverage only.
SAN' s 10-Year Interest Coverage Range
Min: 0.04  Med: 0.22 Max: 0.43
Current: 0.31
0.04
0.43
F-Score: 4
WACC vs ROIC
27.05%
26.87%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 4/10

vs
industry
vs
history
Operating margin (%) 11.08
SAN's Operating margin (%) is ranked lower than
85% of the 1357 Companies
in the Global Banks - Global industry.

( Industry Median: 29.54 vs. SAN: 11.08 )
Ranked among companies with meaningful Operating margin (%) only.
SAN' s 10-Year Operating margin (%) Range
Min: 1.93  Med: 21.80 Max: 36.25
Current: 11.08
1.93
36.25
Net-margin (%) 11.44
SAN's Net-margin (%) is ranked lower than
79% of the 1356 Companies
in the Global Banks - Global industry.

( Industry Median: 21.24 vs. SAN: 11.44 )
Ranked among companies with meaningful Net-margin (%) only.
SAN' s 10-Year Net-margin (%) Range
Min: 4.13  Med: 14.90 Max: 30.3
Current: 11.44
4.13
30.3
ROE (%) 7.83
SAN's ROE (%) is ranked lower than
52% of the 1355 Companies
in the Global Banks - Global industry.

( Industry Median: 8.13 vs. SAN: 7.83 )
Ranked among companies with meaningful ROE (%) only.
SAN' s 10-Year ROE (%) Range
Min: 2.92  Med: 13.67 Max: 25.43
Current: 7.83
2.92
25.43
ROA (%) 0.50
SAN's ROA (%) is ranked lower than
69% of the 1364 Companies
in the Global Banks - Global industry.

( Industry Median: 0.80 vs. SAN: 0.50 )
Ranked among companies with meaningful ROA (%) only.
SAN' s 10-Year ROA (%) Range
Min: 0.17  Med: 0.70 Max: 1.04
Current: 0.5
0.17
1.04
ROC (Joel Greenblatt) (%) 33.73
SAN's ROC (Joel Greenblatt) (%) is ranked lower than
72% of the 1348 Companies
in the Global Banks - Global industry.

( Industry Median: 74.52 vs. SAN: 33.73 )
Ranked among companies with meaningful ROC (Joel Greenblatt) (%) only.
SAN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 3.91  Med: 54.86 Max: 114.3
Current: 33.73
3.91
114.3
Revenue Growth (3Y)(%) -10.90
SAN's Revenue Growth (3Y)(%) is ranked lower than
87% of the 1149 Companies
in the Global Banks - Global industry.

( Industry Median: 1.70 vs. SAN: -10.90 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
SAN' s 10-Year Revenue Growth (3Y)(%) Range
Min: -24.9  Med: 1.40 Max: 74.9
Current: -10.9
-24.9
74.9
EBITDA Growth (3Y)(%) -0.80
SAN's EBITDA Growth (3Y)(%) is ranked lower than
71% of the 1011 Companies
in the Global Banks - Global industry.

( Industry Median: 7.10 vs. SAN: -0.80 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
SAN' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -33.5  Med: -1.30 Max: 61.5
Current: -0.8
-33.5
61.5
EPS Growth (3Y)(%) -7.20
SAN's EPS Growth (3Y)(%) is ranked lower than
80% of the 1020 Companies
in the Global Banks - Global industry.

( Industry Median: 9.20 vs. SAN: -7.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
SAN' s 10-Year EPS Growth (3Y)(%) Range
Min: -40.4  Med: 3.70 Max: 62.4
Current: -7.2
-40.4
62.4
» SAN's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q2 2014

SAN Guru Trades in Q2 2014

Ken Fisher 678,571 sh (+9.90%)
Murray Stahl 45,624 sh (+7.78%)
David Dreman 602,081 sh (-12.65%)
» More
Q3 2014

SAN Guru Trades in Q3 2014

Murray Stahl 46,550 sh (+2.03%)
David Dreman 609,334 sh (+1.20%)
Ken Fisher 615,420 sh (-9.31%)
» More
Q4 2014

SAN Guru Trades in Q4 2014

Jeremy Grantham 159,140 sh (New)
Murray Stahl 46,688 sh (+0.30%)
Ken Fisher 563,555 sh (-8.43%)
David Dreman 526,858 sh (-13.54%)
» More
Q1 2015

SAN Guru Trades in Q1 2015

Murray Stahl 56,290 sh (+20.57%)
David Dreman 631,135 sh (+19.79%)
Ken Fisher 574,714 sh (+1.98%)
Jeremy Grantham Sold Out
» More
» Details

Insider Trades

Latest Guru Trades with SAN

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Guru Investment Theses on Banco Santander SA

Tweedy Browne Comments on Banco Santander - Jul 23, 2013

Although Banco Santander Spain (SAN) is a significant shareholder of Banco Santander Brasil, the Brazilian bank is an independently listed subsidiary with its own management team, board of directors, and capital base. At purchase, Banco Santander Brasil was trading at a discount from book value, below 10 times 20 13 estimated earnings, and had a dividend yield of approximately 5%. It has a strong capital position (underleveraged), high net interest margins, and among its three local competitors, it has the highest consumer exposure to the rapidly growing middle class in Brazil. While the company has traded down since our initial purchase, we think largely due to the general sell-off in the emerging markets and the demonstrations in Brazil, we are very positive about the longer term prospects for the company.

From Tweedy Browne's second quarter 2013 investor letter.
Check out Tweedy Browne latest stock trades

Ratios

vs
industry
vs
history
P/E(ttm) 12.96
SAN's P/E(ttm) is ranked higher than
52% of the 1244 Companies
in the Global Banks - Global industry.

( Industry Median: 14.30 vs. SAN: 12.96 )
Ranked among companies with meaningful P/E(ttm) only.
SAN' s 10-Year P/E(ttm) Range
Min: 3.52  Med: 11.98 Max: 22.58
Current: 12.96
3.52
22.58
Forward P/E 10.94
SAN's Forward P/E is ranked higher than
57% of the 750 Companies
in the Global Banks - Global industry.

( Industry Median: 12.38 vs. SAN: 10.94 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 13.00
SAN's PE(NRI) is ranked higher than
52% of the 1217 Companies
in the Global Banks - Global industry.

( Industry Median: 14.30 vs. SAN: 13.00 )
Ranked among companies with meaningful PE(NRI) only.
SAN' s 10-Year PE(NRI) Range
Min: 3.64  Med: 12.96 Max: 22.46
Current: 13
3.64
22.46
P/B 0.96
SAN's P/B is ranked higher than
57% of the 1351 Companies
in the Global Banks - Global industry.

( Industry Median: 1.12 vs. SAN: 0.96 )
Ranked among companies with meaningful P/B only.
SAN' s 10-Year P/B Range
Min: 0.56  Med: 1.18 Max: 2.13
Current: 0.96
0.56
2.13
P/S 1.52
SAN's P/S is ranked higher than
84% of the 1422 Companies
in the Global Banks - Global industry.

( Industry Median: 2.99 vs. SAN: 1.52 )
Ranked among companies with meaningful P/S only.
SAN' s 10-Year P/S Range
Min: 0.66  Med: 1.68 Max: 3.85
Current: 1.52
0.66
3.85
EV-to-EBIT 6.26
SAN's EV-to-EBIT is ranked higher than
89% of the 1366 Companies
in the Global Banks - Global industry.

( Industry Median: 14.30 vs. SAN: 6.26 )
Ranked among companies with meaningful EV-to-EBIT only.
SAN' s 10-Year EV-to-EBIT Range
Min: -1674.7  Med: 10.40 Max: 84.3
Current: 6.26
-1674.7
84.3
Shiller P/E 9.50
SAN's Shiller P/E is ranked higher than
82% of the 771 Companies
in the Global Banks - Global industry.

( Industry Median: 17.62 vs. SAN: 9.50 )
Ranked among companies with meaningful Shiller P/E only.
SAN' s 10-Year Shiller P/E Range
Min: 3.81  Med: 9.69 Max: 20.22
Current: 9.5
3.81
20.22
Days Sales Outstanding 37.59
SAN's Days Sales Outstanding is ranked lower than
54% of the 770 Companies
in the Global Banks - Global industry.

( Industry Median: 35.19 vs. SAN: 37.59 )
Ranked among companies with meaningful Days Sales Outstanding only.
SAN' s 10-Year Days Sales Outstanding Range
Min: 34.66  Med: 65.41 Max: 263.15
Current: 37.59
34.66
263.15

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 9.70
SAN's Dividend Yield is ranked higher than
97% of the 2112 Companies
in the Global Banks - Global industry.

( Industry Median: 2.57 vs. SAN: 9.70 )
Ranked among companies with meaningful Dividend Yield only.
SAN' s 10-Year Dividend Yield Range
Min: 3.03  Med: 6.65 Max: 16.43
Current: 9.7
3.03
16.43
Dividend Payout 1.16
SAN's Dividend Payout is ranked higher than
56% of the 1248 Companies
in the Global Banks - Global industry.

( Industry Median: 0.24 vs. SAN: 1.16 )
Ranked among companies with meaningful Dividend Payout only.
SAN' s 10-Year Dividend Payout Range
Min: 0.33  Med: 0.51 Max: 25
Current: 1.16
0.33
25
Dividend growth (3y) -2.10
SAN's Dividend growth (3y) is ranked lower than
75% of the 640 Companies
in the Global Banks - Global industry.

( Industry Median: 7.20 vs. SAN: -2.10 )
Ranked among companies with meaningful Dividend growth (3y) only.
SAN' s 10-Year Dividend growth (3y) Range
Min: 0  Med: 3.40 Max: 42.6
Current: -2.1
0
42.6
Yield on cost (5-Year) 9.94
SAN's Yield on cost (5-Year) is ranked higher than
93% of the 2110 Companies
in the Global Banks - Global industry.

( Industry Median: 2.91 vs. SAN: 9.94 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
SAN' s 10-Year Yield on cost (5-Year) Range
Min: 3.11  Med: 6.82 Max: 16.84
Current: 9.94
3.11
16.84
Share Buyback Rate -9.90
SAN's Share Buyback Rate is ranked lower than
78% of the 931 Companies
in the Global Banks - Global industry.

( Industry Median: -1.50 vs. SAN: -9.90 )
Ranked among companies with meaningful Share Buyback Rate only.
SAN' s 10-Year Share Buyback Rate Range
Min: 23.2  Med: -7.60 Max: -58.4
Current: -9.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.47
SAN's Price/Tangible Book is ranked lower than
69% of the 1331 Companies
in the Global Banks - Global industry.

( Industry Median: 1.18 vs. SAN: 1.47 )
Ranked among companies with meaningful Price/Tangible Book only.
SAN' s 10-Year Price/Tangible Book Range
Min: 0.48  Med: 2.19 Max: 6.75
Current: 1.47
0.48
6.75
Price/Projected FCF 1.74
SAN's Price/Projected FCF is ranked lower than
64% of the 775 Companies
in the Global Banks - Global industry.

( Industry Median: 0.68 vs. SAN: 1.74 )
Ranked among companies with meaningful Price/Projected FCF only.
SAN' s 10-Year Price/Projected FCF Range
Min: 0.24  Med: 1.45 Max: 4.71
Current: 1.74
0.24
4.71
Price/Median PS Value 0.83
SAN's Price/Median PS Value is ranked higher than
80% of the 1286 Companies
in the Global Banks - Global industry.

( Industry Median: 1.11 vs. SAN: 0.83 )
Ranked among companies with meaningful Price/Median PS Value only.
SAN' s 10-Year Price/Median PS Value Range
Min: 0.43  Med: 1.20 Max: 2.23
Current: 0.83
0.43
2.23
Price/Peter Lynch Fair Value 0.93
SAN's Price/Peter Lynch Fair Value is ranked lower than
611% of the 357 Companies
in the Global Banks - Global industry.

( Industry Median: 0.99 vs. SAN: 0.93 )
Ranked among companies with meaningful Price/Peter Lynch Fair Value only.
SAN' s 10-Year Price/Peter Lynch Fair Value Range
Min: 0.22  Med: 0.99 Max: 4.34
Current: 0.93
0.22
4.34
Price/Graham Number 0.88
SAN's Price/Graham Number is ranked lower than
55% of the 1154 Companies
in the Global Banks - Global industry.

( Industry Median: 0.88 vs. SAN: 0.88 )
Ranked among companies with meaningful Price/Graham Number only.
SAN' s 10-Year Price/Graham Number Range
Min: 0.47  Med: 1.10 Max: 2.45
Current: 0.88
0.47
2.45
Earnings Yield (Greenblatt) (%) 15.81
SAN's Earnings Yield (Greenblatt) (%) is ranked higher than
90% of the 1364 Companies
in the Global Banks - Global industry.

( Industry Median: 6.40 vs. SAN: 15.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
SAN' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: 1.2  Med: 6.50 Max: 130.3
Current: 15.81
1.2
130.3
Forward Rate of Return (Yacktman) (%) 56.30
SAN's Forward Rate of Return (Yacktman) (%) is ranked higher than
92% of the 770 Companies
in the Global Banks - Global industry.

( Industry Median: 13.43 vs. SAN: 56.30 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
SAN' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: -8.2  Med: 11.60 Max: 61.7
Current: 56.3
-8.2
61.7

Business Description

Industry: Banks » Banks - Global
Compare:LSE:0IKH, LSE:0H32, LSE:0O84, LSE:0GUX, LSE:0O55 » details
Traded in other countries:SAN.Spain, SANT.Italy, BNC.UK, SANT.Portugal, BCDRF.USA, BSD2.Germany, BSAN33.Brazil, SANTA.Netherlands, SAN.Mexico, STD.Argentina, BSDK.Germany,
Banco Santander SA was established on March 21, 1857. It is a commercial bank. The Company offers retail banking, wholesale banking, asset management and insurance services. Retail Banking covers customers banking businesses, including private banking. Global Wholesale Banking business covers corporate banking, investment banking and international markets, including all treasuries managed, both trading and distribution to customers, as well as equities business. Asset Management and Insurance includes units that design and manage mutual and pension funds and insurance. The Company operates in Spain, the UK, Portugal, Europe, Brazil, Latin American countries and the US.
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