Banco Santander, S.A. SAN.MC
Financial Services · Banks - Diversified · Spain · IBEX 35
Based on the available data, Banco Santander, S.A. gets an algorithmic score of 62/100. It trades at 12.46 €, with a bullish technical trend (RSI 44.6) and 30.1% annual volatility.
Updated: 2026-09-30
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Strengths
- High net margin (33.5%): pricing power / competitive advantage.
- Low valuation (P/E 9.8).
Weaknesses
- Negative free cash flow.
- High beta (1.62): amplifies index moves.
Fundamentals
| P/E | 14.16 |
| Forward P/E | 9.81 |
| PEG | 0.94 |
| P/B | 1.63 |
| P/S | 3.72 |
| ROE % | 13.11 |
| ROA % | 0.78 |
| Gross margin % | 0.00 |
| Operating margin % | 43.44 |
| Net margin % | 33.46 |
| Revenue growth % (y/y) | 10.20 |
| Earnings growth % (y/y) | 8.70 |
| Revenue CAGR % | 3.45 |
| Earnings CAGR % | 13.65 |
| FCF yield % | -12.45 |
| Dividend yield % | 2.00 |
| Payout % | 25.45 |
Returns
| 1 month | -1.0 % |
| 3 months | +0.3 % |
| 6 months | +28.5 % |
| YTD | +23.0 % |
| 1 year | +46.0 % |
| 3 years | +286.6 % |
| 5 years | +344.8 % |
| 10 years | +328.4 % |
Risk
| 1-year volatility | 30.1 % |
| Beta | 1.62 |
| 5-year max drawdown | -31.6 % |
| Sharpe 1A | 1.28 |
Macroeconomic context
Benefits from high rates and a positive curve (net interest margin). Sensitive to credit quality and the cycle: loan-loss provisions rise in recessions. As a Spanish company, it depends on ECB policy, the Spanish risk premium, the eurozone cycle and, if it operates in Latin America, on emerging-market currencies (BRL, MXN).
How the score is calculated
The score combines profitability (ROE, ROA, net margin), growth (revenue and earnings), valuation (P/E, EV/EBITDA, free cash flow), financial strength (debt and liquidity; not applied to banks and insurers) and momentum (6 and 12-month returns and trend). It is an educational quantitative filter, not a buy or sell recommendation.