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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 : 6/10

vs
industry
vs
history
Cash to Debt 5.89
SAN's Cash to Debt is ranked higher than
84% of the 1560 Companies
in the Global Banks - Global industry.

( Industry Median: 1.49 vs. SAN: 5.89 )
SAN' s 10-Year Cash to Debt Range
Min: 0.05   Max: No Debt
Current: 5.89

Equity to Asset 0.06
SAN's Equity to Asset is ranked higher than
54% of the 1990 Companies
in the Global Banks - Global industry.

( Industry Median: 0.09 vs. SAN: 0.06 )
SAN' s 10-Year Equity to Asset Range
Min: 0.04   Max: 0.29
Current: 0.06

0.04
0.29
Interest Coverage 0.19
SAN's Interest Coverage is ranked lower than
52% of the 1818 Companies
in the Global Banks - Global industry.

( Industry Median: 1.27 vs. SAN: 0.19 )
SAN' s 10-Year Interest Coverage Range
Min: 0.04   Max: 0.43
Current: 0.19

0.04
0.43
F-Score: 4
Z-Score: 0.14
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 : 5/10

vs
industry
vs
history
Operating margin (%) 10.04
SAN's Operating margin (%) is ranked higher than
53% of the 2001 Companies
in the Global Banks - Global industry.

( Industry Median: 28.81 vs. SAN: 10.04 )
SAN' s 10-Year Operating margin (%) Range
Min: 2.15   Max: 36.25
Current: 10.04

2.15
36.25
Net-margin (%) 11.45
SAN's Net-margin (%) is ranked higher than
57% of the 2001 Companies
in the Global Banks - Global industry.

( Industry Median: 21.30 vs. SAN: 11.45 )
SAN' s 10-Year Net-margin (%) Range
Min: 4.44   Max: 30.3
Current: 11.45

4.44
30.3
ROE (%) 7.37
SAN's ROE (%) is ranked higher than
70% of the 2011 Companies
in the Global Banks - Global industry.

( Industry Median: 8.53 vs. SAN: 7.37 )
SAN' s 10-Year ROE (%) Range
Min: 3.14   Max: 25.43
Current: 7.37

3.14
25.43
ROA (%) 0.46
SAN's ROA (%) is ranked higher than
61% of the 2014 Companies
in the Global Banks - Global industry.

( Industry Median: 0.79 vs. SAN: 0.46 )
SAN' s 10-Year ROA (%) Range
Min: 0.18   Max: 1.04
Current: 0.46

0.18
1.04
ROC (Joel Greenblatt) (%) 29.02
SAN's ROC (Joel Greenblatt) (%) is ranked higher than
59% of the 1985 Companies
in the Global Banks - Global industry.

( Industry Median: 78.14 vs. SAN: 29.02 )
SAN' s 10-Year ROC (Joel Greenblatt) (%) Range
Min: 4.7   Max: 114.3
Current: 29.02

4.7
114.3
Revenue Growth (%) -12.00
SAN's Revenue Growth (%) is ranked higher than
55% of the 1721 Companies
in the Global Banks - Global industry.

( Industry Median: 1.10 vs. SAN: -12.00 )
SAN' s 10-Year Revenue Growth (%) Range
Min: -12   Max: 31.5
Current: -12

-12
31.5
EBITDA Growth (%) -23.00
SAN's EBITDA Growth (%) is ranked higher than
55% of the 1554 Companies
in the Global Banks - Global industry.

( Industry Median: 6.50 vs. SAN: -23.00 )
SAN' s 10-Year EBITDA Growth (%) Range
Min: -34.7   Max: 30.2
Current: -23

-34.7
30.2
EPS Growth (%) -24.80
SAN's EPS Growth (%) is ranked higher than
55% of the 1543 Companies
in the Global Banks - Global industry.

( Industry Median: 8.90 vs. SAN: -24.80 )
SAN' s 10-Year EPS Growth (%) Range
Min: -40.4   Max: 28.2
Current: -24.8

-40.4
28.2
» SAN's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2013

SAN Guru Trades in Q4 2013

Murray Stahl 31,357 sh (+47.63%)
Ken Fisher 641,356 sh (+2.18%)
David Dreman 594,446 sh (-26.44%)
Steven Cohen 16,700 sh (-62.36%)
» More
Q1 2014

SAN Guru Trades in Q1 2014

Murray Stahl 42,329 sh (+34.99%)
David Dreman 689,289 sh (+15.95%)
Steven Cohen Sold Out
Ken Fisher 617,450 sh (-3.73%)
» More
Q2 2014

SAN Guru Trades in Q2 2014

Ken Fisher 678,571 sh (+9.9%)
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 (+1.2%)
Ken Fisher 615,420 sh (-9.31%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
David Dreman 2013-12-31 Reduce -26.44%0.16%$8.37 - $9.29 $ 8.5-3%594446
Ken Fisher 2013-03-31 Add 37.67%$6.77 - $8.81 $ 8.57%687626
Ken Fisher 2012-06-30 Reduce -97.94%0.55%$5.22 - $87.56 $ 8.5-50%560287
David Dreman 2012-06-30 Add 42.3%0.03%$5.22 - $87.56 $ 8.5-50%587850
Ken Fisher 2012-03-31 Add 35.73%0.15%$6.91 - $8.76 $ 8.513%27215825
Ken Fisher 2011-12-31 Reduce -30.58%0.24%$6.8 - $9.11 $ 8.58%20050802
Bruce Berkowitz 2011-12-31 Sold Out 0.05%$6.8 - $9.11 $ 8.58%0
Bruce Berkowitz 2011-09-30 New Buy0.05%$7.38 - $11.53 $ 8.5-8%510000
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

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) 15.20
SAN's P/E(ttm) is ranked higher than
78% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 17.50 vs. SAN: 15.20 )
SAN' s 10-Year P/E(ttm) Range
Min: 3.3   Max: 35.21
Current: 15.2

3.3
35.21
P/B 1.07
SAN's P/B is ranked higher than
80% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 1.34 vs. SAN: 1.07 )
SAN' s 10-Year P/B Range
Min: 0.42   Max: 2.13
Current: 1.07

0.42
2.13
P/S 1.66
SAN's P/S is ranked higher than
92% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 3.61 vs. SAN: 1.66 )
SAN' s 10-Year P/S Range
Min: 0.55   Max: 3.63
Current: 1.66

0.55
3.63
EV-to-EBIT 1.86
SAN's EV-to-EBIT is ranked higher than
99% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 19.80 vs. SAN: 1.86 )
SAN' s 10-Year EV-to-EBIT Range
Min: -1596   Max: 400.4
Current: 1.86

-1596
400.4
Shiller P/E 9.64
SAN's Shiller P/E is ranked higher than
96% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 9999.00 vs. SAN: 9.64 )
SAN' s 10-Year Shiller P/E Range
Min: 3.64   Max: 23.3
Current: 9.64

3.64
23.3

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 7.40
SAN's Dividend Yield is ranked higher than
98% of the 1871 Companies
in the Global Banks - Global industry.

( Industry Median: 2.25 vs. SAN: 7.40 )
SAN' s 10-Year Dividend Yield Range
Min: 2.45   Max: 14.5
Current: 7.4

2.45
14.5
Dividend Payout 1.03
SAN's Dividend Payout is ranked higher than
80% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 0.60 vs. SAN: 1.03 )
SAN' s 10-Year Dividend Payout Range
Min: 0.21   Max: 51
Current: 1.03

0.21
51
Dividend growth (3y) -4.10
SAN's Dividend growth (3y) is ranked higher than
65% of the 1118 Companies
in the Global Banks - Global industry.

( Industry Median: 5.50 vs. SAN: -4.10 )
SAN' s 10-Year Dividend growth (3y) Range
Min: 0   Max: 42.6
Current: -4.1

0
42.6
Yield on cost (5-Year) 5.88
SAN's Yield on cost (5-Year) is ranked higher than
88% of the 1883 Companies
in the Global Banks - Global industry.

( Industry Median: 2.50 vs. SAN: 5.88 )
SAN' s 10-Year Yield on cost (5-Year) Range
Min: 1.95   Max: 11.52
Current: 5.88

1.95
11.52
Share Buyback Rate -9.90
SAN's Share Buyback Rate is ranked higher than
58% of the 1472 Companies
in the Global Banks - Global industry.

( Industry Median: -1.90 vs. SAN: -9.90 )
SAN' s 10-Year Share Buyback Rate Range
Min: 7.3   Max: -20
Current: -9.9

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.65
SAN's Price/Tangible Book is ranked higher than
71% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 1.62 vs. SAN: 1.65 )
SAN' s 10-Year Price/Tangible Book Range
Min: 0.48   Max: 6.75
Current: 1.65

0.48
6.75
Price/DCF (Projected) 0.63
SAN's Price/DCF (Projected) is ranked higher than
86% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 5.54 vs. SAN: 0.63 )
SAN' s 10-Year Price/DCF (Projected) Range
Min: 0.17   Max: 64.63
Current: 0.63

0.17
64.63
Price/Median PS Value 0.99
SAN's Price/Median PS Value is ranked higher than
88% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 1.25 vs. SAN: 0.99 )
SAN' s 10-Year Price/Median PS Value Range
Min: 0.34   Max: 2.21
Current: 0.99

0.34
2.21
Price/Graham Number 0.97
SAN's Price/Graham Number is ranked higher than
79% of the 2626 Companies
in the Global Banks - Global industry.

( Industry Median: 1.19 vs. SAN: 0.97 )
SAN' s 10-Year Price/Graham Number Range
Min: 0.47   Max: 2.45
Current: 0.97

0.47
2.45
Earnings Yield (Greenblatt) 53.80
SAN's Earnings Yield (Greenblatt) is ranked higher than
99% of the 1973 Companies
in the Global Banks - Global industry.

( Industry Median: 6.60 vs. SAN: 53.80 )
SAN' s 10-Year Earnings Yield (Greenblatt) Range
Min: 0.2   Max: 142
Current: 53.8

0.2
142
Forward Rate of Return (Yacktman) -17.61
SAN's Forward Rate of Return (Yacktman) is ranked lower than
51% of the 1512 Companies
in the Global Banks - Global industry.

( Industry Median: 13.69 vs. SAN: -17.61 )
SAN' s 10-Year Forward Rate of Return (Yacktman) Range
Min: -55   Max: 21
Current: -17.61

-55
21

Business Description

Industry: Banks » Banks - Global
Compare:LSE:0IKH, LSE:0H32, LSE:0O84, LSE:0GUX, LSE:0O55 » details
Traded in other countries:BCDRF.USA, SAN.Spain, SANT.Italy, SANT.Netherlands, BNC.UK, SANT.Portugal, BSAN33.Brazil, BSD2.Germany, BSDK.Germany, SAN.Mexico, STD.Argentina
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.
» More Articles for SAN

Headlines

Articles On GuruFocus.com
Guru Stocks at 52-Week Lows: IBM, BBL, SAN, ABEV, RIO Nov 17 2014 
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Will Scotland Leave? Polls Say Maybe. Market Says No. Sep 17 2014 
European Banks? Yes, European Banks Jul 30 2014 
Santander's Dividend Is Sustainable Jan 08 2014 
Banco Santander -: Hold, Buy or Sell? Dec 09 2013 
3 Highest Yielding Financials With High Beta, Growth And Low P/E's Aug 10 2013 
Tweedy, Browne Buys 2 New Stocks Jul 24 2013 
Tweedy Browne Comments on Banco Santander Jul 23 2013 

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3Q2014 RESULTS: Santander made a profit of EUR 4.361 billion, 32% more than a year earlier Nov 04 2014
3rd Quarter 2014 results press release Nov 04 2014
Moody's upgrades two classes of FONDO DE TITULIZACIÓN DE ACTIVOS SANTANDER PUBLICO 1 ABS notes Nov 03 2014
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