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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
99% of the 1592 Companies
in the Global Banks - Global industry.

( Industry Median: 2.23 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
79% of the 1591 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
85% of the 1515 Companies
in the Global Banks - Global industry.

( Industry Median: 1.69 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
10.96%
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
69% of the 1606 Companies
in the Global Banks - Global industry.

( Industry Median: 31.37 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 1605 Companies
in the Global Banks - Global industry.

( Industry Median: 22.70 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 lower than
65% of the 1603 Companies
in the Global Banks - Global industry.

( Industry Median: 8.58 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
75% of the 1612 Companies
in the Global Banks - Global industry.

( Industry Median: 0.90 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 1354 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: -12.4  Med: 3.5 Max: 29.9
Current: -7.4
-12.4
29.9
3-Year EBITDA Growth Rate 0.60
NYSE:SAN's 3-Year EBITDA Growth Rate is ranked higher than
94% of the 1256 Companies
in the Global Banks - Global industry.

( Industry Median: 6.40 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: -25.5  Med: 0.6 Max: 30
Current: 0.6
-25.5
30
3-Year EPS without NRI Growth Rate 2.60
NYSE:SAN's 3-Year EPS without NRI Growth Rate is ranked lower than
65% of the 1226 Companies
in the Global Banks - Global industry.

( Industry Median: 7.40 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: 3.3 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: 2017-07-26 Est.)


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

» Details

Guru Trades

Q2 2016

SAN Guru Trades in Q2 2016

Jim Simons 413,285 sh (New)
Murray Stahl 171,139 sh (+47.48%)
Ken Fisher 691,874 sh (-4.30%)
David Dreman 6,621 sh (-47.85%)
» More
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
» 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:NYSE:RY, NYSE:TD, OTCPK:CMWAY, NYSE:MTU, NYSE:WBK, OTCPK:ANZBY, NYSE:BNS, NYSE:ING, OTCPK:NABZY, NYSE:UBS, OTCPK:BCMXY, NYSE:RBS, NYSE:BBVA, NYSE:SMFG, OTCPK:BCLYF, NYSE:BMO, OTCPK:BACHY, OTCPK:SCBFF, NYSE:CM, OTCPK:CSGKF » 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 14.24
SAN's PE Ratio is ranked higher than
54% of the 1510 Companies
in the Global Banks - Global industry.

( Industry Median: 14.59 vs. SAN: 14.24 )
Ranked among companies with meaningful PE Ratio only.
SAN' s PE Ratio Range Over the Past 10 Years
Min: 3.67  Med: 10.71 Max: 22.6
Current: 14.24
3.67
22.6
Forward PE Ratio 13.57
SAN's Forward PE Ratio is ranked higher than
72% of the 839 Companies
in the Global Banks - Global industry.

( Industry Median: 13.93 vs. SAN: 13.57 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 14.24
SAN's PE Ratio without NRI is ranked higher than
53% of the 1477 Companies
in the Global Banks - Global industry.

( Industry Median: 14.63 vs. SAN: 14.24 )
Ranked among companies with meaningful PE Ratio without NRI only.
SAN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 4.03  Med: 10.93 Max: 19.79
Current: 14.24
4.03
19.79
PB Ratio 0.92
SAN's PB Ratio is ranked higher than
69% of the 1611 Companies
in the Global Banks - Global industry.

( Industry Median: 1.20 vs. SAN: 0.92 )
Ranked among companies with meaningful PB Ratio only.
SAN' s PB Ratio Range Over the Past 10 Years
Min: 0.49  Med: 0.99 Max: 2.13
Current: 0.92
0.49
2.13
PS Ratio 1.79
SAN's PS Ratio is ranked higher than
81% of the 1586 Companies
in the Global Banks - Global industry.

( Industry Median: 3.40 vs. SAN: 1.79 )
Ranked among companies with meaningful PS Ratio only.
SAN' s PS Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.67 Max: 3.87
Current: 1.79
0.71
3.87
Price-to-Free-Cash-Flow 5.20
SAN's Price-to-Free-Cash-Flow is ranked higher than
69% of the 870 Companies
in the Global Banks - Global industry.

( Industry Median: 12.33 vs. SAN: 5.20 )
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: 4.74  Med: 17.7 Max: 112.29
Current: 5.2
4.74
112.29
Price-to-Operating-Cash-Flow 3.49
SAN's Price-to-Operating-Cash-Flow is ranked higher than
73% of the 940 Companies
in the Global Banks - Global industry.

( Industry Median: 10.82 vs. SAN: 3.49 )
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: 1.8  Med: 4.5 Max: 43.11
Current: 3.49
1.8
43.11
EV-to-EBIT 1.96
SAN's EV-to-EBIT is ranked lower than
99.99% of the 1668 Companies
in the Global Banks - Global industry.

( Industry Median: 12.52 vs. SAN: 1.96 )
Ranked among companies with meaningful EV-to-EBIT only.
SAN' s EV-to-EBIT Range Over the Past 10 Years
Min: -7.6  Med: 5 Max: 84.3
Current: 1.96
-7.6
84.3
EV-to-EBITDA 1.62
SAN's EV-to-EBITDA is ranked lower than
99.99% of the 1685 Companies
in the Global Banks - Global industry.

( Industry Median: 11.29 vs. SAN: 1.62 )
Ranked among companies with meaningful EV-to-EBITDA only.
SAN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -6.2  Med: 4.2 Max: 73.3
Current: 1.62
-6.2
73.3
PEG Ratio 10.92
SAN's PEG Ratio is ranked higher than
73% of the 811 Companies
in the Global Banks - Global industry.

( Industry Median: 1.43 vs. SAN: 10.92 )
Ranked among companies with meaningful PEG Ratio only.
SAN' s PEG Ratio Range Over the Past 10 Years
Min: 0.44  Med: 0.95 Max: 85.71
Current: 10.92
0.44
85.71
Shiller PE Ratio 7.49
SAN's Shiller PE Ratio is ranked higher than
94% of the 479 Companies
in the Global Banks - Global industry.

( Industry Median: 20.93 vs. SAN: 7.49 )
Ranked among companies with meaningful Shiller PE Ratio only.
SAN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.98  Med: 7.47 Max: 18.6
Current: 7.49
3.98
18.6

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.47
SAN's Dividend Yield % is ranked higher than
69% of the 2319 Companies
in the Global Banks - Global industry.

( Industry Median: 2.69 vs. SAN: 3.47 )
Ranked among companies with meaningful Dividend Yield % only.
SAN' s Dividend Yield % Range Over the Past 10 Years
Min: 3.2  Med: 7.29 Max: 16.42
Current: 3.47
3.2
16.42
Dividend Payout Ratio 0.49
SAN's Dividend Payout Ratio is ranked lower than
66% of the 1315 Companies
in the Global Banks - Global industry.

( Industry Median: 0.33 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: 0.44  Med: 0.8 Max: 2.91
Current: 0.49
0.44
2.91
3-Year Dividend Growth Rate -30.90
SAN's 3-Year Dividend Growth Rate is ranked lower than
92% of the 768 Companies
in the Global Banks - Global industry.

( Industry Median: 7.20 vs. SAN: -30.90 )
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: -2.1 Max: 42.6
Current: -30.9
0
42.6
Forward Dividend Yield % 3.65
SAN's Forward Dividend Yield % is ranked higher than
69% of the 2248 Companies
in the Global Banks - Global industry.

( Industry Median: 2.73 vs. SAN: 3.65 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.26
SAN's 5-Year Yield-on-Cost % is ranked lower than
84% of the 2649 Companies
in the Global Banks - Global industry.

( Industry Median: 3.31 vs. SAN: 1.26 )
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: 1.16  Med: 2.66 Max: 5.98
Current: 1.26
1.16
5.98
3-Year Average Share Buyback Ratio -8.80
SAN's 3-Year Average Share Buyback Ratio is ranked lower than
74% of the 1042 Companies
in the Global Banks - Global industry.

( Industry Median: -1.80 vs. SAN: -8.80 )
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: -9.1 Max: 0
Current: -8.8
-32.6
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.35
SAN's Price-to-Tangible-Book is ranked lower than
54% of the 1576 Companies
in the Global Banks - Global industry.

( Industry Median: 1.27 vs. SAN: 1.35 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SAN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.48  Med: 2.03 Max: 6.77
Current: 1.35
0.48
6.77
Price-to-Intrinsic-Value-Projected-FCF 1.29
SAN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
76% of the 869 Companies
in the Global Banks - Global industry.

( Industry Median: 0.78 vs. SAN: 1.29 )
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: 0.6  Med: 1.83 Max: 5.22
Current: 1.29
0.6
5.22
Price-to-Median-PS-Value 1.08
SAN's Price-to-Median-PS-Value is ranked higher than
57% of the 1462 Companies
in the Global Banks - Global industry.

( Industry Median: 1.14 vs. SAN: 1.08 )
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: 1.2 Max: 2.25
Current: 1.08
0.54
2.25
Price-to-Graham-Number 0.92
SAN's Price-to-Graham-Number is ranked higher than
53% of the 1364 Companies
in the Global Banks - Global industry.

( Industry Median: 0.96 vs. SAN: 0.92 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SAN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.5  Med: 1.08 Max: 3.29
Current: 0.92
0.5
3.29
Earnings Yield (Greenblatt) % 51.02
SAN's Earnings Yield (Greenblatt) % is ranked lower than
92% of the 2207 Companies
in the Global Banks - Global industry.

( Industry Median: 5.95 vs. SAN: 51.02 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SAN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: 1.2  Med: 9.6 Max: 953.6
Current: 51.02
1.2
953.6
Forward Rate of Return (Yacktman) % -6.55
SAN's Forward Rate of Return (Yacktman) % is ranked lower than
86% of the 890 Companies
in the Global Banks - Global industry.

( Industry Median: 11.45 vs. SAN: -6.55 )
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: -24.1  Med: 1.8 Max: 21.5
Current: -6.55
-24.1
21.5

More Statistics

Revenue (TTM) (Mil) $53,158
EPS (TTM) $ 0.45
Beta1.39
Short Percentage of Float0.00%
52-Week Range $3.60 - 6.99
Shares Outstanding (Mil)7,994.06

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 49,787 52,898
EPS ($) 0.47 0.55 0.68
EPS without NRI ($) 0.47 0.55 0.68
EPS Growth Rate
(Future 3Y To 5Y Estimate)
12.20%
Dividends per Share ($) 0.24 0.25 0.26
» More Articles for NYSE:SAN

Headlines

Articles On GuruFocus.com
Santander Bank Rallies Behind National Small Business Week With Events, Promotions and a $25,000 Don May 02 2017 
Santander Bank Introduces 'Two Days To Fund' Apr 25 2017 
Hey, It's Apple Pay: Santander Bank Customers Now Have More Ways To Make Secure, Convenient Purchase Apr 20 2017 
Santander Holdings USA Declares Quarterly Dividend On Preferred Stock Apr 19 2017 
Santander Bank Announces the Completion and Final Results of its Cash Tender Offers for Any and All Mar 31 2017 
Santander Bank and Greater Providence Chamber of Commerce Host Economic Outlook Meeting for Rhode Is Mar 31 2017 
Value Gurus Avoided Deutsche Bank and These 2 European Financials Oct 07 2016 
Stocks Murray Stahl Bought for Past 2 Quarters Apr 26 2016 
Low PS Stocks That Are Still Expensive Apr 05 2016 
Ken Fisher for Forbes - Irrational Fears You Can Bank On Oct 15 2015 

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