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Also traded in: Argentina, Austria, Belgium, 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
SAN's Cash-to-Debt is ranked higher than
100% of the 1615 Companies
in the Global Banks - Global industry.

( Industry Median: 2.12 vs. SAN: No Debt )
Ranked among companies with meaningful Cash-to-Debt only.
SAN' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.06  Med: 0.36 Max: No Debt
Current: No Debt
0.06
No Debt
Equity-to-Asset 0.07
SAN's Equity-to-Asset is ranked lower than
78% of the 1617 Companies
in the Global Banks - Global industry.

( Industry Median: 0.11 vs. SAN: 0.07 )
Ranked among companies with meaningful Equity-to-Asset only.
SAN' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.03  Med: 0.06 Max: 0.29
Current: 0.07
0.03
0.29
Interest Coverage 0.56
SAN's Interest Coverage is ranked lower than
80% of the 1556 Companies
in the Global Banks - Global industry.

( Industry Median: 1.61 vs. SAN: 0.56 )
Ranked among companies with meaningful Interest Coverage only.
SAN' s Interest Coverage Range Over the Past 10 Years
Min: 0.12  Med: 0.4 Max: 0.56
Current: 0.56
0.12
0.56
WACC vs ROIC
10.83%
73.17%
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 : 3/10

vs
industry
vs
history
Operating Margin % 23.20
SAN's Operating Margin % is ranked lower than
72% of the 1631 Companies
in the Global Banks - Global industry.

( Industry Median: 32.81 vs. SAN: 23.20 )
Ranked among companies with meaningful Operating Margin % only.
SAN' s Operating Margin % Range Over the Past 10 Years
Min: 7.13  Med: 22.79 Max: 36.71
Current: 23.2
7.13
36.71
Net Margin % 12.70
SAN's Net Margin % is ranked lower than
79% of the 1630 Companies
in the Global Banks - Global industry.

( Industry Median: 22.23 vs. SAN: 12.70 )
Ranked among companies with meaningful Net Margin % only.
SAN' s Net Margin % Range Over the Past 10 Years
Min: 4.56  Med: 12.47 Max: 30.04
Current: 12.7
4.56
30.04
ROE % 6.84
SAN's ROE % is ranked lower than
64% of the 1631 Companies
in the Global Banks - Global industry.

( Industry Median: 8.44 vs. SAN: 6.84 )
Ranked among companies with meaningful ROE % only.
SAN' s ROE % Range Over the Past 10 Years
Min: 3.12  Med: 6.94 Max: 15.83
Current: 6.84
3.12
15.83
ROA % 0.47
SAN's ROA % is ranked lower than
75% of the 1634 Companies
in the Global Banks - Global industry.

( Industry Median: 0.87 vs. SAN: 0.47 )
Ranked among companies with meaningful ROA % only.
SAN' s ROA % Range Over the Past 10 Years
Min: 0.18  Med: 0.47 Max: 0.9
Current: 0.47
0.18
0.9
3-Year Revenue Growth Rate -5.60
SAN's 3-Year Revenue Growth Rate is ranked lower than
86% of the 1453 Companies
in the Global Banks - Global industry.

( Industry Median: 4.40 vs. SAN: -5.60 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
SAN' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: 0  Med: 0.9 Max: 29.9
Current: -5.6
0
29.9
3-Year EBITDA Growth Rate -4.90
SAN's 3-Year EBITDA Growth Rate is ranked lower than
80% of the 1376 Companies
in the Global Banks - Global industry.

( Industry Median: 6.70 vs. SAN: -4.90 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
SAN' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: 0  Med: -1.1 Max: 30
Current: -4.9
0
30
3-Year EPS without NRI Growth Rate -5.90
SAN's 3-Year EPS without NRI Growth Rate is ranked lower than
80% of the 1339 Companies
in the Global Banks - Global industry.

( Industry Median: 6.60 vs. SAN: -5.90 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
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: -5.9
-40.3
61.7
GuruFocus has detected 2 Warning Signs with Banco Santander SA SAN.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» SAN's 30-Y Financials

Financials (Next Earnings Date: 2018-04-26)


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

» Details

Guru Trades

Q2 2017

SAN Guru Trades in Q2 2017

Ken Fisher 78,057,067 sh (+20016.61%)
Murray Stahl 146,156 sh (-0.05%)
» More
Q3 2017

SAN Guru Trades in Q3 2017

Jim Simons 1,049,755 sh (New)
Ken Fisher 81,383,608 sh (+4.26%)
Murray Stahl 144,156 sh (-1.37%)
» More
Q4 2017

SAN Guru Trades in Q4 2017

Pioneer Investments 1,712 sh (New)
Ken Fisher 85,437,070 sh (+4.98%)
Murray Stahl 146,752 sh (+1.80%)
Jim Simons 28,073 sh (-97.33%)
» More
Q1 2018

SAN Guru Trades in Q1 2018

Ken Fisher 90,118,636 sh (+5.48%)
» 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
Ken Fisher 2018-03-31 Add 5.48%0.04%$6.34 - $7.55 $ 6.80-2%90,118,636
Ken Fisher 2017-12-31 Add 4.98%0.04%$6.39 - $6.82 $ 6.803%85,437,070
Ken Fisher 2017-09-30 Add 4.26%0.03%$6.33 - $6.94 $ 6.802%81,383,608
Ken Fisher 2017-06-30 Add 20016.61%0.83%$5.78 - $6.99 $ 6.805%78,057,067
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 )

Business Description

Industry: Banks » Banks - Global  
Compare:TSX:TD, ASX:CBA, TSX:RY, TSE:8306, ASX:WBC, TSX:BNS, SHSE:601328, XSWX:UBSG, XAMS:INGA, ASX:ANZ, ASX:NAB, TSE:8316, XMCE:BBVA, LSE:BARC, TSX:BMO, XSWX:CSGN, LSE:RBS, TSX:CM, ADX:FAB, LSE:STAN » details
Traded in other countries:STD.Argentina, SAN.Austria, SANTA.Belgium, 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.

Banco Santander SA focuses on retail and commercial banking. Latin America is geographically the largest operation, with Brazil by far the largest. Its continental European business is still mainly Iberian. Santander's U.K. presence is the result of the acquisition of building society Abbey. In the U.S., Santander operates a vehicle finance business and a Boston-based savings and loan association.

Top Ranked Articles about Banco Santander SA

Notice of Filing of Securities Class Action Against Santander Securities, LLC and Certain Related Companies
Investor Expectations to Drive Momentum within Credicorp, Essent Group, Achillion Pharmaceuticals, Banco Santander, S.A, Check Point Software Technologies, and Fomento Economico Mexicano S.A.B. de C.V — Discovering Underlying Factors of Influence
Santander Holdings USA declares quarterly dividend on preferred stock
The Georgetown University/Santander Social Economy Partnership Hosts Seminar On Financial Inclusion
Santander Bank and Greater Providence Chamber of Commerce Host 18th Annual Economic Outlook Event for Rhode Island Business Leaders
Santander Bank Raises Its Prime Rate To 4.75%
Santander Holdings USA, Inc. Announces Pricing Of Its Cash Tender Offer For Up To $400,000,000 In Aggregate Principal Amount Of Certain Senior Notes
Santander Holdings USA, Inc. Announces Early Participation Results For Its Cash Tender Offer For Up To $400,000,000 In Aggregate Principal Amount Of Certain Senior Notes
Santander Holdings USA, Inc. Announces Cash Tender Offer For Up To $400,000,000 In Aggregate Principal Amount Of Certain Senior Notes
Santander Bank Gives Front-line Colleagues A Raise; Increases Minimum Hourly Wage

Ratios

vs
industry
vs
history
PE Ratio 13.77
SAN's PE Ratio is ranked higher than
58% of the 1497 Companies
in the Global Banks - Global industry.

( Industry Median: 15.27 vs. SAN: 13.77 )
Ranked among companies with meaningful PE Ratio only.
SAN' s PE Ratio Range Over the Past 10 Years
Min: 3.6  Med: 10.38 Max: 22.23
Current: 13.77
3.6
22.23
Forward PE Ratio 10.50
SAN's Forward PE Ratio is ranked higher than
81% of the 443 Companies
in the Global Banks - Global industry.

( Industry Median: 13.87 vs. SAN: 10.50 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 13.77
SAN's PE Ratio without NRI is ranked higher than
58% of the 1499 Companies
in the Global Banks - Global industry.

( Industry Median: 15.29 vs. SAN: 13.77 )
Ranked among companies with meaningful PE Ratio without NRI only.
SAN' s PE Ratio without NRI Range Over the Past 10 Years
Min: 3.74  Med: 11.23 Max: 22.23
Current: 13.77
3.74
22.23
PB Ratio 0.94
SAN's PB Ratio is ranked higher than
68% of the 1612 Companies
in the Global Banks - Global industry.

( Industry Median: 1.24 vs. SAN: 0.94 )
Ranked among companies with meaningful PB Ratio only.
SAN' s PB Ratio Range Over the Past 10 Years
Min: 0.55  Med: 0.95 Max: 1.86
Current: 0.94
0.55
1.86
PS Ratio 1.62
SAN's PS Ratio is ranked higher than
83% of the 1570 Companies
in the Global Banks - Global industry.

( Industry Median: 3.56 vs. SAN: 1.62 )
Ranked among companies with meaningful PS Ratio only.
SAN' s PS Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.64 Max: 3.33
Current: 1.62
0.71
3.33
Price-to-Free-Cash-Flow 2.76
SAN's Price-to-Free-Cash-Flow is ranked higher than
79% of the 882 Companies
in the Global Banks - Global industry.

( Industry Median: 11.66 vs. SAN: 2.76 )
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: 1.52  Med: 5.88 Max: 665
Current: 2.76
1.52
665
Price-to-Operating-Cash-Flow 2.14
SAN's Price-to-Operating-Cash-Flow is ranked higher than
81% of the 960 Companies
in the Global Banks - Global industry.

( Industry Median: 10.67 vs. SAN: 2.14 )
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: 1.3  Med: 3.56 Max: 39.55
Current: 2.14
1.3
39.55
EV-to-EBIT -0.83
SAN's EV-to-EBIT is ranked lower than
99.99% of the 1245 Companies
in the Global Banks - Global industry.

( Industry Median: 13.08 vs. SAN: -0.83 )
Ranked among companies with meaningful EV-to-EBIT only.
SAN' s EV-to-EBIT Range Over the Past 10 Years
Min: -11.8  Med: 2.9 Max: 83.3
Current: -0.83
-11.8
83.3
EV-to-EBITDA -0.68
SAN's EV-to-EBITDA is ranked lower than
99.99% of the 1253 Companies
in the Global Banks - Global industry.

( Industry Median: 12.01 vs. SAN: -0.68 )
Ranked among companies with meaningful EV-to-EBITDA only.
SAN' s EV-to-EBITDA Range Over the Past 10 Years
Min: -9.2  Med: 2.3 Max: 71.8
Current: -0.68
-9.2
71.8
EV-to-Revenue -0.19
SAN's EV-to-Revenue is ranked lower than
99.99% of the 1276 Companies
in the Global Banks - Global industry.

( Industry Median: 4.24 vs. SAN: -0.19 )
Ranked among companies with meaningful EV-to-Revenue only.
SAN' s EV-to-Revenue Range Over the Past 10 Years
Min: -1.8  Med: 0.7 Max: 17.1
Current: -0.19
-1.8
17.1
PEG Ratio 2.06
SAN's PEG Ratio is ranked lower than
56% of the 845 Companies
in the Global Banks - Global industry.

( Industry Median: 1.60 vs. SAN: 2.06 )
Ranked among companies with meaningful PEG Ratio only.
SAN' s PEG Ratio Range Over the Past 10 Years
Min: 0.41  Med: 1.34 Max: 77.43
Current: 2.06
0.41
77.43
Shiller PE Ratio 7.93
SAN's Shiller PE Ratio is ranked higher than
92% of the 520 Companies
in the Global Banks - Global industry.

( Industry Median: 21.59 vs. SAN: 7.93 )
Ranked among companies with meaningful Shiller PE Ratio only.
SAN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.93  Med: 7.29 Max: 15.78
Current: 7.93
3.93
15.78

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 3.64
SAN's Dividend Yield % is ranked higher than
76% of the 2465 Companies
in the Global Banks - Global industry.

( Industry Median: 2.51 vs. SAN: 3.64 )
Ranked among companies with meaningful Dividend Yield % only.
SAN' s Dividend Yield % Range Over the Past 10 Years
Min: 3.25  Med: 7.42 Max: 15.41
Current: 3.64
3.25
15.41
Dividend Payout Ratio 0.52
SAN's Dividend Payout Ratio is ranked higher than
77% of the 1418 Companies
in the Global Banks - Global industry.

( Industry Median: 0.34 vs. SAN: 0.52 )
Ranked among companies with meaningful Dividend Payout Ratio only.
SAN' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.49  Med: 0.8 Max: 2.86
Current: 0.52
0.49
2.86
3-Year Dividend Growth Rate -28.20
SAN's 3-Year Dividend Growth Rate is ranked lower than
89% of the 836 Companies
in the Global Banks - Global industry.

( Industry Median: 6.30 vs. SAN: -28.20 )
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: -28.2
0
24.1
Forward Dividend Yield % 4.27
SAN's Forward Dividend Yield % is ranked higher than
78% of the 2426 Companies
in the Global Banks - Global industry.

( Industry Median: 2.75 vs. SAN: 4.27 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 0.97
SAN's 5-Year Yield-on-Cost % is ranked lower than
85% of the 2826 Companies
in the Global Banks - Global industry.

( Industry Median: 3.25 vs. SAN: 0.97 )
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: 0.87  Med: 1.98 Max: 4.12
Current: 0.97
0.87
4.12
3-Year Average Share Buyback Ratio -8.40
SAN's 3-Year Average Share Buyback Ratio is ranked lower than
72% of the 1082 Companies
in the Global Banks - Global industry.

( Industry Median: -2.20 vs. SAN: -8.40 )
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: -8.4
-32.6
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.34
SAN's Price-to-Tangible-Book is ranked higher than
50% of the 1603 Companies
in the Global Banks - Global industry.

( Industry Median: 1.33 vs. SAN: 1.34 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
SAN' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.44  Med: 1.69 Max: 5.46
Current: 1.34
0.44
5.46
Price-to-Intrinsic-Value-Projected-FCF 0.76
SAN's Price-to-Intrinsic-Value-Projected-FCF is ranked higher than
58% of the 883 Companies
in the Global Banks - Global industry.

( Industry Median: 0.83 vs. SAN: 0.76 )
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: 0.55  Med: 1.54 Max: 3.12
Current: 0.76
0.55
3.12
Price-to-Median-PS-Value 0.99
SAN's Price-to-Median-PS-Value is ranked higher than
70% of the 1419 Companies
in the Global Banks - Global industry.

( Industry Median: 9999.00 vs. SAN: 0.99 )
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: 0.56  Med: 1.16 Max: 2.1
Current: 0.99
0.56
2.1
Price-to-Graham-Number 0.90
SAN's Price-to-Graham-Number is ranked higher than
58% of the 1378 Companies
in the Global Banks - Global industry.

( Industry Median: 0.99 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: 0.58  Med: 1.03 Max: 2.16
Current: 0.9
0.58
2.16
Earnings Yield (Greenblatt) % -120.81
SAN's Earnings Yield (Greenblatt) % is ranked lower than
98% of the 1635 Companies
in the Global Banks - Global industry.

( Industry Median: 5.52 vs. SAN: -120.81 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
SAN' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -1143.5  Med: 6.6 Max: 7380.2
Current: -120.81
-1143.5
7380.2
Forward Rate of Return (Yacktman) % 3.13
SAN's Forward Rate of Return (Yacktman) % is ranked lower than
75% of the 1023 Companies
in the Global Banks - Global industry.

( Industry Median: 11.40 vs. SAN: 3.13 )
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: -24.2  Med: 1.3 Max: 20
Current: 3.13
-24.2
20

More Statistics

Revenue (TTM) (Mil) $59,507.20
EPS (TTM) $ 0.46
Beta1.37
Volatility21.24%
52-Week Range $5.93 - 7.57
Shares Outstanding (Mil)14,675.82 (ADR)

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 61,092 62,999 66,646
EBIT (Mil $) 31,962 34,643 38,048
EBITDA (Mil $)
EPS ($) 0.60 0.72 0.79
EPS without NRI ($) 0.60 0.72 0.79
EPS Growth Rate
(Future 3Y To 5Y Estimate)
8.50%
Dividends per Share ($) 0.28 0.32 0.38

Piotroski F-Score Details

Piotroski F-Score: ----
Positive ROAN
Positive CFROAN
Higher ROA yoyN
CFROA > ROAN
Lower Leverage yoyN
Higher Current Ratio yoyN
Less Shares Outstanding yoyN
Higher Gross Margin yoyN
Higher Asset Turnover yoyN

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