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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 : 5/10

vs
industry
vs
history
Cash-to-Debt No Debt
SAN's Cash-to-Debt is ranked higher than
100% of the 1374 Companies
in the Global Banks - Global industry.

( Industry Median: 1.22 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: 0.05  Med: 0.56 Max: No Debt
Current: No Debt
0.05
No Debt
Equity-to-Asset 0.07
SAN's Equity-to-Asset is ranked lower than
77% of the 1386 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: 0.04  Med: 0.06 Max: 0.29
Current: 0.07
0.04
0.29
Beneish M-Score: -2.51
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 : 1/10

vs
industry
vs
history
Net Margin % 13.92
SAN's Net Margin % is ranked lower than
75% of the 1390 Companies
in the Global Banks - Global industry.

( Industry Median: 23.34 vs. SAN: 13.92 )
Ranked among companies with meaningful Net Margin % only.
SAN' s Net Margin % Range Over the Past 10 Years
Min: 4.54  Med: 12.5 Max: 30.04
Current: 13.92
4.54
30.04
ROE % 6.81
SAN's ROE % is ranked lower than
65% of the 1390 Companies
in the Global Banks - Global industry.

( Industry Median: 8.73 vs. SAN: 6.81 )
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: 6.81
3.12
15.83
ROA % 0.47
SAN's ROA % is ranked lower than
74% of the 1396 Companies
in the Global Banks - Global industry.

( Industry Median: 0.90 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 -7.20
SAN's 3-Year Revenue Growth Rate is ranked lower than
89% of the 1293 Companies
in the Global Banks - Global industry.

( Industry Median: 4.30 vs. SAN: -7.20 )
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: -13.1  Med: 3.25 Max: 29.9
Current: -7.2
-13.1
29.9
3-Year EPS without NRI Growth Rate -5.70
SAN's 3-Year EPS without NRI Growth Rate is ranked lower than
79% of the 1163 Companies
in the Global Banks - Global industry.

( Industry Median: 4.80 vs. SAN: -5.70 )
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: 2.45 Max: 61.7
Current: -5.7
-40.3
61.7
GuruFocus has detected 1 Warning Sign 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: 2018-10-26)


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

» Details

Guru Trades

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

Jim Simons 1,562,273 sh (+5465.04%)
Ken Fisher 89,191,178 sh (+4.39%)
Pioneer Investments 1,712 sh (unchged)
Murray Stahl 143,063 sh (-2.51%)
» More
Q2 2018

SAN Guru Trades in Q2 2018

Ken Fisher 93,106,288 sh (+4.39%)
Murray Stahl 143,863 sh (+0.56%)
Pioneer Investments 1,712 sh (unchged)
Jim Simons 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Ken Fisher 2018-06-30 Add 4.39%0.03%$5.27 - $6.8 $ 5.37-12%93,106,288
Ken Fisher 2018-03-31 Add 4.39%0.03%$6.34 - $7.55 $ 5.37-22%89,191,178
Ken Fisher 2017-12-31 Add 4.98%0.04%$6.39 - $6.82 $ 5.37-19%85,437,070
Ken Fisher 2017-09-30 Add 4.26%0.03%$6.33 - $6.94 $ 5.37-19%81,383,608
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

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Business Description

Industry: Banks » Banks - Global  
Compare:TSX:TD, TSX:RY, ASX:CBA, TSE:8306, TSX:BNS, ASX:WBC, XSWX:UBSGE, SHSE:601328, XAMS:INGA, ASX:NAB, TSE:8316, ASX:ANZ, XMCE:BBVA, LSE:BARC, TSX:BMO, LSE:RBS, XSWX:CSGN, TSX:CM, ADX:FAB, SHSE:601988 » 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

Santander Bank Confirms Termination of OCC Consent Order
Santander Bank Appoints James Uehlinger as Region President for Metro New York/Northern New Jersey
Banco Santander Looks Cheap The Spanish bank is granting a 5.6% dividend yield
Banco Santander SA (NYSE:SAN) is one of those stocks in the financial services sector that I would follow with attention. Read more...
Santander Bank Expands Its Commercial Banking Business in Texas and the Southwest Region
Santander Holdings USA Confirms Termination of Written Agreement with Federal Reserve Bank of Boston
Santander Bank Awards More Than $3 Million to 119 Non-Profit Organizations in First Round of Funding for 2018
Santander's New Operating Platform from nCino Ensures Faster Loan Processing and an Optimal Experience for Business Banking Customers
Santander Bank Appoints Brian Schwinn as Commercial Banking's Head of Asset Based Lending and Restructuring Finance
Santander Holdings USA Declares Quarterly Dividend on Series C Non-Cumulative Perpetual Preferred Stock and Announces Redemption
Santander Holdings USA, Inc. Announces the Completion and Final Results of its Cash Tender Offer for Any and All of its 2.700% Senior Notes Due 2019

Ratios

vs
industry
vs
history
PE Ratio 12.19
SAN's PE Ratio is ranked higher than
64% of the 1278 Companies
in the Global Banks - Global industry.

( Industry Median: 14.76 vs. SAN: 12.19 )
Ranked among companies with meaningful PE Ratio only.
SAN' s PE Ratio Range Over the Past 10 Years
Min: 3.6  Med: 10.77 Max: 22.65
Current: 12.19
3.6
22.65
Forward PE Ratio 8.25
SAN's Forward PE Ratio is ranked higher than
85% of the 464 Companies
in the Global Banks - Global industry.

( Industry Median: 13.40 vs. SAN: 8.25 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 12.19
SAN's PE Ratio without NRI is ranked higher than
64% of the 1278 Companies
in the Global Banks - Global industry.

( Industry Median: 14.76 vs. SAN: 12.19 )
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: 11.91 Max: 22.57
Current: 12.19
3.74
22.57
PB Ratio 0.77
SAN's PB Ratio is ranked higher than
74% of the 1383 Companies
in the Global Banks - Global industry.

( Industry Median: 1.24 vs. SAN: 0.77 )
Ranked among companies with meaningful PB Ratio only.
SAN' s PB Ratio Range Over the Past 10 Years
Min: 0.53  Med: 0.94 Max: 1.81
Current: 0.77
0.53
1.81
PS Ratio 1.63
SAN's PS Ratio is ranked higher than
83% of the 1373 Companies
in the Global Banks - Global industry.

( Industry Median: 3.41 vs. SAN: 1.63 )
Ranked among companies with meaningful PS Ratio only.
SAN' s PS Ratio Range Over the Past 10 Years
Min: 0.71  Med: 1.59 Max: 3.33
Current: 1.63
0.71
3.33
Price-to-Free-Cash-Flow 10.29
SAN's Price-to-Free-Cash-Flow is ranked higher than
76% of the 754 Companies
in the Global Banks - Global industry.

( Industry Median: 12.61 vs. SAN: 10.29 )
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: 1.64  Med: 8.08 Max: 30.14
Current: 10.29
1.64
30.14
Price-to-Operating-Cash-Flow 4.43
SAN's Price-to-Operating-Cash-Flow is ranked higher than
83% of the 803 Companies
in the Global Banks - Global industry.

( Industry Median: 11.07 vs. SAN: 4.43 )
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: 1.39  Med: 4.05 Max: 59.92
Current: 4.43
1.39
59.92
EV-to-Revenue -0.43
SAN's EV-to-Revenue is ranked lower than
99.99% of the 1151 Companies
in the Global Banks - Global industry.

( Industry Median: 4.50 vs. SAN: -0.43 )
Ranked among companies with meaningful EV-to-Revenue only.
SAN' s EV-to-Revenue Range Over the Past 10 Years
Min: -1.8  Med: 0.5 Max: 17.1
Current: -0.43
-1.8
17.1
Shiller PE Ratio 7.16
SAN's Shiller PE Ratio is ranked higher than
92% of the 573 Companies
in the Global Banks - Global industry.

( Industry Median: 20.24 vs. SAN: 7.16 )
Ranked among companies with meaningful Shiller PE Ratio only.
SAN' s Shiller PE Ratio Range Over the Past 10 Years
Min: 3.93  Med: 7.24 Max: 15.71
Current: 7.16
3.93
15.71

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 4.99
SAN's Dividend Yield % is ranked higher than
83% of the 2530 Companies
in the Global Banks - Global industry.

( Industry Median: 2.60 vs. SAN: 4.99 )
Ranked among companies with meaningful Dividend Yield % only.
SAN' s Dividend Yield % Range Over the Past 10 Years
Min: 3.25  Med: 7.39 Max: 15.41
Current: 4.99
3.25
15.41
Dividend Payout Ratio 0.56
SAN's Dividend Payout Ratio is ranked higher than
68% of the 1372 Companies
in the Global Banks - Global industry.

( Industry Median: 0.34 vs. SAN: 0.56 )
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: 0.56
0.49
2.86
3-Year Dividend Growth Rate -28.20
SAN's 3-Year Dividend Growth Rate is ranked lower than
90% of the 790 Companies
in the Global Banks - Global industry.

( Industry Median: 6.20 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: -7.4 Max: 24.1
Current: -28.2
0
24.1
Forward Dividend Yield % 5.62
SAN's Forward Dividend Yield % is ranked higher than
85% of the 2459 Companies
in the Global Banks - Global industry.

( Industry Median: 2.93 vs. SAN: 5.62 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 1.33
SAN's 5-Year Yield-on-Cost % is ranked lower than
82% of the 2507 Companies
in the Global Banks - Global industry.

( Industry Median: 3.30 vs. SAN: 1.33 )
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: 1.97 Max: 4.12
Current: 1.33
0.87
4.12
3-Year Average Share Buyback Ratio -8.60
SAN's 3-Year Average Share Buyback Ratio is ranked lower than
73% of the 975 Companies
in the Global Banks - Global industry.

( Industry Median: -2.40 vs. SAN: -8.60 )
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: -9.25 Max: 0
Current: -8.6
-32.6
0

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.13
SAN's Price-to-Tangible-Book is ranked higher than
60% of the 1370 Companies
in the Global Banks - Global industry.

( Industry Median: 1.33 vs. SAN: 1.13 )
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: 1.85 Max: 6.2
Current: 1.13
0.44
6.2
Price-to-Intrinsic-Value-Projected-FCF 2.06
SAN's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
93% of the 867 Companies
in the Global Banks - Global industry.

( Industry Median: 0.82 vs. SAN: 2.06 )
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: 1.87 Max: 150
Current: 2.06
0.55
150
Price-to-Median-PS-Value 1.00
SAN's Price-to-Median-PS-Value is ranked higher than
70% of the 1305 Companies
in the Global Banks - Global industry.

( Industry Median: 1.11 vs. SAN: 1.00 )
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: 2.16
Current: 1
0.56
2.16
Price-to-Graham-Number 0.78
SAN's Price-to-Graham-Number is ranked higher than
64% of the 1212 Companies
in the Global Banks - Global industry.

( Industry Median: 1.01 vs. SAN: 0.78 )
Ranked among companies with meaningful Price-to-Graham-Number only.
SAN' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.47  Med: 1.02 Max: 3.04
Current: 0.78
0.47
3.04

More Statistics

Revenue (TTM) (Mil) $57,890.48
EPS (TTM) $ 0.46
Beta1.28
Volatility27.52%
52-Week Range $4.82 - 7.57
Shares Outstanding (Mil)16,136.15 (ADR)

Analyst Estimate

Dec18 Dec19 Dec20
Revenue (Mil $) 56,294 58,698 61,333
EBIT (Mil $) 29,785 32,128 35,072
EBITDA (Mil $)
EPS ($) 0.57 0.62 0.71
EPS without NRI ($) 0.57 0.62 0.71
EPS Growth Rate
(Future 3Y To 5Y Estimate)
10.10%
Dividends per Share ($) 0.26 0.27 0.32

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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