SAN (Bancontander) ROE % Adjusted to Book Value: 15.59% (As of Mar. 2026)


SAN Banco Santander SA SAN
61 GF Score
Price $13.39
GF Value $6.03
Valuation Significantly Overvalued
! 7 Warning Signs
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What is Bancontander ROE % Adjusted to Book Value?

Bancontander SAN +0.11% 61 ROE % Adjusted to Book Value is 15.59% as of Mar. 2026. GuruFocus rates SAN with a GF Score™ of 61/100 and a GF Value™ of $6.03 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Bancontander's ROE % for the quarter that ended in Mar. 2026 was 20.73%. Bancontander's PB Ratio for the quarter that ended in Mar. 2026 was 1.33. Bancontander's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 was 15.59%.

Bancontander ROE % Adjusted to Book Value Related Terms

Bancontander ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Bancontander's ROE % Adjusted to Book Value can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bancontander ROE % Adjusted to Book Value Chart

Bancontander Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.32 20.31 19.32 18.96 10.31

Bancontander Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 15.02 13.12 10.71 10.30 15.59

SAN vs JPM, BAC, WFC: ROE % Adjusted to Book Value Comparison

For the Banks - Diversified subindustry, Bancontander's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Bancontander ROE % Adjusted to Book Value vs Banks Industry

For the Banks industry and Financial Services sector, Bancontander's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Bancontander's ROE % Adjusted to Book Value falls into.


SAN
61GF Score
Banco Santander SA SAN
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Bancontander ROE % Adjusted to Book Value Calculation

Bancontander's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=14.74% / 1.43
=10.31%

Bancontander's ROE % Adjusted to Book Value for the quarter that ended in Mar. 2026 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=20.73% / 1.33
=15.59%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a ROE % Adjusted to Book Value of 15.59% mean?
Bancontander (SAN) has a ROE % Adjusted to Book Value of 15.59% as of Mar. 2026. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bancontander and its competitors.
Is Bancontander's ROE % Adjusted to Book Value too high?
Bancontander's current ROE % Adjusted to Book Value is 15.59%. Overall, Bancontander has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bancontander's ROE % Adjusted to Book Value compare to JPM and BAC?
Bancontander's ROE % Adjusted to Book Value of 15.59% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Banks company?
A good ROE % Adjusted to Book Value depends on the Banks industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Bancontander and its competitors. Bancontander's current ROE % Adjusted to Book Value is 15.59%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancontander stock overvalued right now?
Based on GuruFocus' analysis, Bancontander (SAN) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.03, compared to a current price of $13.39 — trading 122% above its estimated fair value. The current ROE % Adjusted to Book Value is 15.59%. Bancontander's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Bancontander (SAN), the current ROE % Adjusted to Book Value is 15.59% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bancontander (SAN) Overvalued in 2026?

Based on GuruFocus' analysis, Bancontander stock appears to be overvalued. The current stock price of $13.39 is trading 122% above its estimated GF Value™ of $6.03. GuruFocus considers Bancontander to be Significantly Overvalued.

Key valuation signals for SAN:

  • ROE % Adjusted to Book Value: 15.59%
  • GF Value™: $6.03 vs. price of $13.39 (122% above fair value)
  • GF Score™: 61/100 with 7 warning signs

No single metric tells the full story. See the SAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bancontander Business Description

Address Avenida de Cantabria s/n, Boadilla del Monte, Ciudad Grupo Santander, Madrid, ESP, 28660
Santander's focus is on retail and commercial banking. Latin America is geographically the most significant operation, with Brazil making the largest contribution. Its continental European business is mainly in Spain and Portugal. Santander's UK presence is the result of its acquisition of Abbey building society. In the US, Santander operates a vehicle finance business and a regional bank focused on the Northeastern states.
61GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$13.39
Price
$6.03
GF Value