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Also traded in: Argentina, Brazil, Germany, Italy, Mexico, Netherlands, Portugal, Spain, UK, USA

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 No Debt
NYSE:SAN's Cash-to-Debt is ranked higher than
100% of the 1613 Companies
in the Global Banks - Global industry.

( Industry Median: 2.09 vs. NYSE:SAN: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
NYSE:SAN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.05  Med: 4.49 Max: No Debt
Current: No Debt
Equity-to-Asset 0.07
NYSE:SAN's Equity-to-Asset is ranked lower than
78% of the 1580 Companies
in the Global Banks - Global industry.

( Industry Median: 0.10 vs. NYSE:SAN: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
NYSE:SAN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.04  Med: 0.06 Max: 0.29
Current: 0.07
0.04
0.29
Interest Coverage 0.48
NYSE:SAN's Interest Coverage is ranked lower than
83% of the 1539 Companies
in the Global Banks - Global industry.

( Industry Median: 1.74 vs. NYSE:SAN: 0.48 )
Ranked among companies with meaningful Interest Coverage only.
NYSE:SAN' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.38 Max: 0.51
Current: 0.48
0.12
0.51
Beneish M-Score: -1.98
WACC vs ROIC
10.51%
26.69%
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 % 23.79
NYSE:SAN's Operating Margin % is ranked lower than
68% of the 1618 Companies
in the Global Banks - Global industry.

( Industry Median: 31.66 vs. NYSE:SAN: 23.79 )
Ranked among companies with meaningful Operating Margin % only.
NYSE:SAN' s Operating Margin % Range Over the Past 10 Years
Min: 7.01  Med: 22.63 Max: 36.25
Current: 23.79
7.01
36.25
Net Margin % 13.58
NYSE:SAN's Net Margin % is ranked lower than
78% of the 1619 Companies
in the Global Banks - Global industry.

( Industry Median: 22.82 vs. NYSE:SAN: 13.58 )
Ranked among companies with meaningful Net Margin % only.
NYSE:SAN' s Net Margin % Range Over the Past 10 Years
Min: 4.49  Med: 12.53 Max: 29.39
Current: 13.58
4.49
29.39
ROE % 8.77
NYSE:SAN's ROE % is ranked higher than
52% of the 1619 Companies
in the Global Banks - Global industry.

( Industry Median: 8.56 vs. NYSE:SAN: 8.77 )
Ranked among companies with meaningful ROE % only.
NYSE:SAN' s ROE % Range Over the Past 10 Years
Min: 3.12  Med: 7.33 Max: 18.8
Current: 8.77
3.12
18.8
ROA % 0.62
NYSE:SAN's ROA % is ranked lower than
68% of the 1624 Companies
in the Global Banks - Global industry.

( Industry Median: 0.91 vs. NYSE:SAN: 0.62 )
Ranked among companies with meaningful ROA % only.
NYSE:SAN' s ROA % Range Over the Past 10 Years
Min: 0.18  Med: 0.48 Max: 1.04
Current: 0.62
0.18
1.04
3-Year Revenue Growth Rate -7.40
NYSE:SAN's 3-Year Revenue Growth Rate is ranked lower than
87% of the 1364 Companies
in the Global Banks - Global industry.

( Industry Median: 4.20 vs. NYSE:SAN: -7.40 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
NYSE:SAN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.9 Max: 29.9
Current: -7.4
0
29.9
3-Year EBITDA Growth Rate 0.60
NYSE:SAN's 3-Year EBITDA Growth Rate is ranked lower than
67% of the 1281 Companies
in the Global Banks - Global industry.

( Industry Median: 5.90 vs. NYSE:SAN: 0.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
NYSE:SAN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -1.1 Max: 30
Current: 0.6
0
30
3-Year EPS without NRI Growth Rate 2.60
NYSE:SAN's 3-Year EPS without NRI Growth Rate is ranked lower than
62% of the 1241 Companies
in the Global Banks - Global industry.

( Industry Median: 6.60 vs. NYSE:SAN: 2.60 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
NYSE:SAN' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -40.3  Med: 4 Max: 61.7
Current: 2.6
-40.3
61.7
GuruFocus has detected 5 Warning Signs with Banco Santander SA $NYSE:SAN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» NYSE:SAN's 30-Y Financials

Financials (Next Earnings Date: 2017-10-26 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

SAN Guru Trades in Q3 2016

Murray Stahl 170,556 sh (-0.34%)
David Dreman 6,319 sh (-4.56%)
Ken Fisher 644,900 sh (-6.79%)
Jim Simons 237,385 sh (-42.56%)
» More
Q4 2016

SAN Guru Trades in Q4 2016

Jim Simons 432,155 sh (+82.05%)
David Dreman Sold Out
Murray Stahl 146,381 sh (-14.17%)
Ken Fisher 492,422 sh (-23.64%)
» More
Q1 2017

SAN Guru Trades in Q1 2017

Jim Simons Sold Out
Murray Stahl 146,236 sh (-0.10%)
Ken Fisher 388,023 sh (-21.20%)
» More
Q2 2017

SAN Guru Trades in Q2 2017

Ken Fisher 78,057,067 sh (+20016.61%)
» 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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Business Description

Industry: Banks » Banks - Global  
Compare:XMCE:BBVA » details
Traded in other countries:STD.Argentina, BSAN33.Brazil, BSD2.Germany, SANT.Italy, SAN.Mexico, SANTA.Netherlands, SANT.Portugal, SAN.Spain, BNC.UK, BCDRF.USA,
Headquarter Location:Spain
Banco Santander SA is a global bank engaged in retail banking. The firm also offers other services such as wholesale banking, insurance and asset management. Its business operations are spread across Latin America, Continental Europe, and the U.S.

Santander is one of the largest global banks, with over EUR 1.3 trillion in assets and 14,000 branches. Its focus is retail banking, which generates 75% of profits. Additional operations include wholesale banking (20%) and insurance and asset management (5%). Roughly 40% of its profits come from Latin America, half of which is Brazil. Continental Europe, the U.K., and the U.S. account for 30%, 20%, and 10% of profits, respectively. Its main subsidiaries in the Americas are publicly traded, though the parent retains majority ownership.

Ratios

vs
industry
vs
history
PE Ratio 13.76
SAN's PE Ratio is ranked higher than
52% of the 1505 Companies
in the Global Banks - Global industry.

( Industry Median: 14.59 vs. SAN: 13.76 )
Ranked among companies with meaningful PE Ratio only.
SAN' s PE Ratio Range Over the Past 10 Years
Min: 3.6  Med: 10.69 Max: 22.23
Current: 13.76
3.6
22.23
Forward PE Ratio 13.33
SAN's Forward PE Ratio is ranked higher than
68% of the 382 Companies
in the Global Banks - Global industry.

( Industry Median: 16.05 vs. SAN: 13.33 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.76
SAN's PE Ratio without NRI is ranked higher than
52% of the 1504 Companies
in the Global Banks - Global industry.

( Industry Median: 14.62 vs. SAN: 13.76 )
Ranked among companies with meaningful PE Ratio without NRI only.
SAN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.97  Med: 10.86 Max: 19.47
Current: 13.76
3.97
19.47
PB Ratio 0.90
SAN's PB Ratio is ranked higher than
69% of the 1581 Companies
in the Global Banks - Global industry.

( Industry Median: 1.20 vs. SAN: 0.90 )
Ranked among companies with meaningful PB Ratio only.
SAN' s PB Ratio Range Over the Past 10 Years
Min: 0.49  Med: 0.96 Max: 2.1
Current: 0.9
0.49
2.1
PS Ratio 1.73
SAN's PS Ratio is ranked higher than
81% of the 1567 Companies
in the Global Banks - Global industry.

( Industry Median: 3.43 vs. SAN: 1.73 )
Ranked among companies with meaningful PS Ratio only.
SAN' s PS Ratio Range Over the Past 10 Years
Min: 0.7  Med: 1.64 Max: 3.81
Current: 1.73
0.7
3.81
Price-to-Free-Cash-Flow 5.03
SAN's Price-to-Free-Cash-Flow is ranked higher than
71% of the 856 Companies
in the Global Banks - Global industry.

( Industry Median: 11.60 vs. SAN: 5.03 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
SAN' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 4.66  Med: 10.09 Max: 110.43
Current: 5.03
4.66
110.43
Price-to-Operating-Cash-Flow 3.37
SAN's Price-to-Operating-Cash-Flow is ranked higher than
76% of the 931 Companies
in the Global Banks - Global industry.

( Industry Median: 10.46 vs. SAN: 3.37 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
SAN' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 1.77  Med: 4.22 Max: 42.4
Current: 3.37
1.77
42.4
EV-to-EBIT 1.82
SAN's EV-to-EBIT is ranked higher than
92% of the 1241 Companies
in the Global Banks - Global industry.

( Industry Median: 12.20 vs. SAN: 1.82 )
Ranked among companies with meaningful EV-to-EBIT only.
SAN' s EV-to-EBIT Range Over the Past 10 Years
Min: -7.7  Med: 4.4 Max: 83.9
Current: 1.82
-7.7
83.9
EV-to-EBITDA 1.51
SAN's EV-to-EBITDA is ranked higher than
93% of the 1244 Companies
in the Global Banks - Global industry.

( Industry Median: 10.98 vs. SAN: 1.51 )
Ranked among companies with meaningful EV-to-EBITDA only.
SAN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6.3  Med: 3.7 Max: 73
Current: 1.51
-6.3
73
PEG Ratio 10.62
SAN's PEG Ratio is ranked lower than
94% of the 821 Companies
in the Global Banks - Global industry.

( Industry Median: 1.45 vs. SAN: 10.62 )
Ranked among companies with meaningful PEG Ratio only.
SAN' s PEG Ratio Range Over the Past 10 Years
Min: 0.43  Med: 0.92 Max: 84.29
Current: 10.62
0.43
84.29
Shiller PE Ratio 7.20
SAN's Shiller PE Ratio is ranked higher than
94% of the 501 Companies
in the Global Banks - Global industry.

( Industry Median: 20.54 vs. SAN: 7.20 )
Ranked among companies with meaningful Shiller PE Ratio only.
SAN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.93  Med: 7.3 Max: 18.29
Current: 7.2
3.93
18.29

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.47
SAN's Dividend Yield % is ranked higher than
69% of the 2354 Companies
in the Global Banks - Global industry.

( Industry Median: 2.88 vs. SAN: 3.47 )
Ranked among companies with meaningful Dividend Yield % only.
SAN' s Dividend Yield % Range Over the Past 10 Years
Min: 3.06  Med: 7.42 Max: 16.31
Current: 3.47
3.06
16.31
Dividend Payout Ratio 0.49
SAN's Dividend Payout Ratio is ranked higher than
54% of the 1340 Companies
in the Global Banks - Global industry.

( Industry Median: 0.32 vs. SAN: 0.49 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SAN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.41  Med: 0.8 Max: 2.86
Current: 0.49
0.41
2.86
3-Year Dividend Growth Rate -30.80
SAN's 3-Year Dividend Growth Rate is ranked lower than
91% of the 794 Companies
in the Global Banks - Global industry.

( Industry Median: 6.70 vs. SAN: -30.80 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
SAN' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: 0  Med: -14.8 Max: 24.1
Current: -30.8
0
24.1
Forward Dividend Yield % 4.20
SAN's Forward Dividend Yield % is ranked higher than
68% of the 2231 Companies
in the Global Banks - Global industry.

( Industry Median: 2.85 vs. SAN: 4.20 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.27
SAN's 5-Year Yield-on-Cost % is ranked lower than
83% of the 2778 Companies
in the Global Banks - Global industry.

( Industry Median: 7.98 vs. SAN: 1.27 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
SAN' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.12  Med: 2.72 Max: 5.97
Current: 1.27
1.12
5.97
3-Year Average Share Buyback Ratio -9.40
SAN's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 1065 Companies
in the Global Banks - Global industry.

( Industry Median: -1.80 vs. SAN: -9.40 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
SAN' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -32.6  Med: -8.6 Max: 0
Current: -9.4
-32.6
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.33
SAN's Price-to-Tangible-Book is ranked lower than
52% of the 1573 Companies
in the Global Banks - Global industry.

( Industry Median: 1.29 vs. SAN: 1.33 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SAN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.47  Med: 1.83 Max: 6.66
Current: 1.33
0.47
6.66
Price-to-Intrinsic-Value-Projected-FCF 1.35
SAN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
85% of the 896 Companies
in the Global Banks - Global industry.

( Industry Median: 0.79 vs. SAN: 1.35 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
SAN' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.59  Med: 1.78 Max: 5.13
Current: 1.35
0.59
5.13
Price-to-Median-PS-Value 1.06
SAN's Price-to-Median-PS-Value is ranked higher than
58% of the 1527 Companies
in the Global Banks - Global industry.

( Industry Median: 1.13 vs. SAN: 1.06 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
SAN' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.54  Med: 1.21 Max: 2.26
Current: 1.06
0.54
2.26
Price-to-Graham-Number 0.90
SAN's Price-to-Graham-Number is ranked higher than
52% of the 1414 Companies
in the Global Banks - Global industry.

( Industry Median: 0.95 vs. SAN: 0.90 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SAN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.49  Med: 1.06 Max: 3.24
Current: 0.9
0.49
3.24
Earnings Yield (Greenblatt) % 54.95
SAN's Earnings Yield (Greenblatt) % is ranked higher than
94% of the 1625 Companies
in the Global Banks - Global industry.

( Industry Median: 5.91 vs. SAN: 54.95 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SAN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -4246.6  Med: 3.6 Max: 12710.7
Current: 54.95
-4246.6
12710.7
Forward Rate of Return (Yacktman) % -6.65
SAN's Forward Rate of Return (Yacktman) % is ranked lower than
87% of the 934 Companies
in the Global Banks - Global industry.

( Industry Median: 11.21 vs. SAN: -6.65 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) % only.
SAN' s Forward Rate of Return (Yacktman) % Range Over the Past 10 Years
Min: -24.4  Med: 2.3 Max: 21.5
Current: -6.65
-24.4
21.5

More Statistics

Revenue (TTM) (Mil) $53,157.88
EPS (TTM) $ 0.45
Beta1.38
Short Percentage of Float0.00%
52-Week Range $3.89 - 6.99
Shares Outstanding (Mil)7,994.06 (ADR)

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 52,001 55,251
EPS ($) 0.49 0.56 0.70
EPS without NRI ($) 0.49 0.56 0.70
EPS Growth Rate
(Future 3Y To 5Y Estimate)
12.20%
Dividends per Share ($) 0.25 0.26 0.27
» More Articles for NYSE:SAN

Headlines

Articles On GuruFocus.com
Santander Bank Contributes Nearly $2.9 Million To 109 Non-Profit Organizations Jul 18 2017 
Santander Holdings USA, Inc. Announces The Completion And Final Results Of Its Tender Offer For Any Jul 17 2017 
Santander Holdings USA, Inc. Announces Pricing Of Tender Offer For Any And All Of Its 3.450% Senior Jul 14 2017 
Santander And New England Revolution Announce 2017 Santander Soccer Scholars(SM) Program Jul 11 2017 
Santander Holdings USA, Inc. Announces Pricing Of Private Offering Of Senior Notes Jul 10 2017 
Santander Launches Ultimate Cash Back(SM) Credit Card: First Consumer Card To Offer Unlimited 1.5% C Jul 10 2017 
Santander Holdings USA, Inc. Announces Proposed Private Offering Of Senior Notes Jul 10 2017 
Santander Holdings USA, Inc. Announces Cash Tender Offer For Any And All Of Its 3.450% Senior Notes Jul 10 2017 
Santander Bank Raises Its Prime Rate To 4.25% Jun 15 2017 
Santander Bank Rallies Behind National Small Business Week With Events, Promotions and a $25,000 Don May 02 2017 

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Hate Checking Your Portfolio? Try These 3 Stocks Jul 13 2017
Santander And New England Revolution Announce 2017 Santander Soccer Scholars(SM) Program Jul 11 2017
Santander partners with supply chain finance startup Tradeshift Jul 11 2017
Santander Holdings USA, Inc. Announces Pricing Of Private Offering Of Senior Notes Jul 10 2017
Santander Launches Ultimate Cash Back(SM) Credit Card: First Consumer Card To Offer Unlimited 1.5%... Jul 10 2017
Santander Holdings USA, Inc. Announces Proposed Private Offering Of Senior Notes Jul 10 2017
Santander Holdings USA, Inc. Announces Cash Tender Offer For Any And All Of Its 3.450% Senior Notes... Jul 10 2017
Santander Said to Plan Boosting Stake in U.S. Consumer Unit Jul 10 2017
These 3 Bank Stocks Are Ready to Skyrocket: Charts Jul 06 2017
Investors May Still Need to Be Patient With Santander Jul 06 2017
World's Second-Largest Economy's Bad Debt Is an Investment Opportunity Jul 06 2017
Santander Is Said to Seek $5.7 Billion for 51% of Popular Assets Jul 06 2017
North Korea's Latest Missile Launch Rattles Investors Overseas Jul 04 2017
Santander Shares Slip After Launching $8 Billion Rights Issue for Banco Popular Rescue Jul 04 2017

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