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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1290
Positioning
Market Dominance
Finance, Insurance, And Real Estate
Banking
$71.6B
José Antonio Álvarez Álvarez
Banco Santander, S.A. provides various retail and commercial banking products and services to individuals, small and medium-sized enterprises, and large companies. It offers demand and time deposits, current and savings accounts, mortgages, consumer finance, syndicated corporate loans and structured financing. The company operates through a network of 9,879 branches.
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Dates updated upon official exchange announcement.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = SAN ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$SII SPROTT INC. | 75 | 91 | 87 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PUK PRUDENTIAL PLC | 73 | 88 | 97 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NMR NOMURA HOLDINGS INC | 72 | 81 | 92 | 87 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PSLV Sprott Physical Silver Trust | 69 | 82 | 80 | 98 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UFCS UNITED FIRE GROUP INC | 68 | 81 | 93 | 76 | 5.0x | 3.5x | 13.2% | 4.1% | 99.9% | 14.7% | 11.1% | 9.2% | 2.1% | 16.0x | $775M | VS | |
$SLF SUN LIFE FINANCIAL INC | 68 | 83 | 95 | 63 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$CBOE Cboe Global Markets, Inc. | 68 | 75 | 63 | 77 | 21.3x | 15.7x | 24.0% | 13.7% | 41.7% | 32.4% | 26.4% | 8.2% | 1.1% | 30.0x | $25.7B | VS | |
$VTMX Vesta Real Estate Corporation, S.A.B. de C.V. | 67 | 69 | 77 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$PHYS Sprott Physical Gold Trust | 67 | 64 | 82 | 91 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GLDM World Gold Trust | 66 | 54 | 85 | 92 | 11.3x | 11.3x | - | 20.9% | 100.0% | 97.1% | 554.8% | -19.0% | 0.0% | - | $32.0B | VS | |
$SAN Banco Santander, S.A. | 55 | 33 | 24 | 90 | 15.9x | 1.8x | 0.0% | 0.0% | - | - | - | - | 4.8% | 396.0x | $71.6B | ||
| SECTOR BENCH | - | - | - | - | - | 11.9x | 7.8x | 9.0% | 1.3% | 77.7% | 18.1% | 21.9% | 10.7% | 2.0% | 0.5x | - | REF |
Banco Santander, S.A. (SAN) receives a "Hold" rating with a composite score of 54.8/100. It ranks #1290 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Finance, Insurance, And Real Estate sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for SAN.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 33 | 59 | -26DRAG |
| MOMENTUM | 90 | 96 | -6DRAG |
| VALUATION | 24 | 8 | +16ALPHA |
| INVESTMENT | 45 | 89 | -44DRAG |
| STABILITY | 42 | 38 | +4NEUTRAL |
| SHORT INT | 76 | 88 | -12DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 0.0% (sector 9.0%)
GM N/A vs sector 78%, OM N/A vs sector 18%
Capital turnover N/A
Rev growth N/A, 9yr history
Interest coverage N/A, Net debt/EBITDA -47.3x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate Banco Santander, S.A. (SAN) as a Hold with a composite score of 54.8/100 at a current price of $12.59. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
Banco Santander, S.A. holds a top-quartile position (#0 of 50) within the Finance, Insurance, And Real Estate sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 54.8/100 places it at rank #1290 in our full universe.
No Moat
High
Poor
Fair Value
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Leverage of 396% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
Banco Santander, S.A. represents a hold based on multi-factor quantitative performance.
Our model assigns Banco Santander, S.A. a Hold rating, with a composite score of 54.8/100 and 3 out of 5 stars. Ranked #1290 of 7,333 stocks, SAN presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
SAN's quality score of 33/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 0.0% (sector avg: 9.0%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
SAN registers a value score of just 24/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/E ratio of 15.95x, an EV/EBITDA of 1.84x, a P/B ratio of 19.60x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
With an investment score of 45/100, SAN exhibits moderate growth-oriented spending. Key growth metrics include a return on assets of 0.0% (sector: 1.3%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
Banco Santander, S.A. (SAN) is exhibiting exceptional momentum with a score of 90/100, placing it among the strongest trending stocks in the market. Revenue growth data is not currently available, while a beta of 0.93 reflects its sensitivity to broader market moves. Stocks with momentum scores this high have historically outperformed over the following 3–12 months, suggesting SAN may continue to benefit from strong institutional interest and positive price trends.
SAN's stability score of 42/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 0.93 and a debt-to-equity ratio of 396.00x (sector avg: 0.5x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
SAN carries a short interest score of 76/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include elevated leverage (D/E: 396.00x). At $71.6B market cap (large-cap), Banco Santander, S.A. offers reasonable institutional liquidity.
Banco Santander, S.A. offers an attractive dividend yield of 4.8%, placing it among the higher-yielding stocks in its peer group. This compares to a sector average dividend yield of 2.0%. A yield this high can provide meaningful income, but investors should verify the payout is sustainable by examining the payout ratio, free cash flow coverage, and any history of dividend cuts.
Banco Santander, S.A. is a large-cap company in the Finance, Insurance, And Real Estate sector, ranked #0 of 50 in its sector (100th percentile) and #1290 of 7,333 overall (82nd percentile). Key comparisons include ROE of 0.0% trailing the 9.0% sector median. This top-quartile standing reflects exceptional competitive strength relative to Finance, Insurance, And Real Estate peers.
While SAN currently exhibits a HOLD profile, superior opportunities exist within the FINANCE, INSURANCE, AND REAL ESTATE sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Finance, Insurance, And Real Estate Alpha →Quant Factor Profile
Key factor gap
Momentum (90) vs Value (24) — closing this gap could shift the rating.
EV/EBITDA 76% BELOW SECTOR MEDIAN (FAVORABLE)
ROE 100% BELOW SECTOR MEDIAN
Debt/Equity 74617% ABOVE SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
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