Banco Santander Financials
SAN Stock  USD 4.98 0.03 0.61% 
Current Value  Last Year  Change From Last Year  10 Year Trend  

Debt Equity Ratio  2.45  4.0598 

 
Current Ratio  0.48  0.5079 


The essential information of the daytoday investment outlook for Banco Santander includes many different criteria found on its balance sheet. An individual investor should monitor Banco Santander's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Banco Santander.
Net Income 

Banco  Select Account or Indicator 
Understanding current and past Banco Santander Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Banco Santander's financial statements are interrelated, with each one affecting the others. For example, an increase in Banco Santander's assets may result in an increase in income on the income statement.
Banco Santander Stock Summary
Banco Santander competes with Barclays PLC, ING Group, HSBC Holdings, Natwest Group, and UBS Group. Banco Santander, S.A. provides various retail and commercial banking products and services to individuals, small and mediumsized enterprises, and large companies worldwide. Banco Santander, S.A. was founded in 1856 and is headquartered in Madrid, Spain. Banco Santander operates under BanksDiversified classification in the United States and is traded on New York Stock Exchange. It employs 177033 people.Foreign Associates  
Specialization  Financial Services, Banks  Diversified 
Instrument  USA Stock View All 
Exchange  New York Stock Exchange 
ISIN  US05964H1059 
CUSIP  05964H105 059574202 
Location  Spain 
Business Address  Santander Group City, 
Sector  Banks 
Industry  Financials 
Benchmark  Dow Jones Industrial 
Website  www.santander.com 
Phone  34 912 89 00 00 
Currency  USD  US Dollar 
Banco Santander Key Financial Ratios
Return On Equity  0.13  
Profit Margin  0.26 %  
Operating Margin  0.42 %  
Price To Sales  1.61 X  
Revenue  59.59 B 
Banco Santander Key Balance Sheet Accounts
2019  2020  2021  2022  2023  2024 (projected)  
Total Assets  1.5T  1.5T  1.6T  1.7T  1.8T  908.6B  
Other Current Liab  (34.5B)  (24.0B)  (29.0B)  (46.8B)  741.9B  779.0B  
Net Debt  133.5B  62.2B  14.2B  35.7B  (22.3B)  (21.2B)  
Retained Earnings  67.5B  56.8B  68.4B  76.3B  85.2B  89.4B  
Accounts Payable  1.9B  2.0B  2.4B  3.0B  2.1B  2.0B  
Cash  128.5B  173.0B  234.8B  247.2B  330.9B  347.4B  
Other Assets  992.2B  970.7B  1.0T  1.1T  1.1T  591.4B  
Net Receivables  6.8B  5.3B  5.8B  9.2B  10.6B  5.5B  
Total Liab  1.4T  1.4T  1.5T  1.6T  314.7B  298.9B  
Total Current Assets  256.6B  290.0B  340.9B  400.0B  416.8B  437.7B  
Short Term Debt  32.6B  22.0B  26.6B  43.7B  78.8B  44.6B  
Common Stock  8.1B  8.3B  8.7B  8.4B  8.1B  5.7B  
Other Liab  45.6B  41B  57.4B  44.6B  40.1B  38.1B  
Long Term Debt  262.0B  235.3B  246.2B  280.3B  308.6B  256.9B  
Good Will  24.2B  12.5B  12.7B  13.7B  14.0B  20.6B  
Intangible Assets  3.4B  3.4B  3.9B  4.9B  5.9B  4.0B  
Other Current Assets  223.5B  281.1B  319.3B  357.2B  367.5B  486.5B  
Inventory  (223.5B)  (281.1B)  (319.3B)  (357.2B)  (367.5B)  (349.1B)  
Treasury Stock  (59M)  (31M)  (69M)  (894M)  (804.6M)  (764.4M)  
Short Long Term Debt  384.2B  22.0B  25.9B  43.0B  46.2B  43.9B  
Net Tangible Assets  72.4B  65.6B  70.3B  70.5B  81.0B  75.8B  
Long Term Debt Total  262.0B  235.3B  246.2B  280.3B  322.4B  267.2B 
Banco Santander Key Income Statement Accounts
2019  2020  2021  2022  2023  2024 (projected)  
Operating Income  10.9B  (3.1B)  13.0B  46.9B  15.4B  21.5B  
Ebit  13.9B  (3.1B)  13.0B  46.9B  15.4B  21.8B  
Ebitda  13.9B  (329M)  15.8B  49.9B  18.5B  23.1B  
Net Income  6.5B  (7.7B)  8.1B  9.6B  11.1B  11.6B  
Income Tax Expense  4.4B  5.6B  4.9B  4.5B  4.3B  4.5B  
Interest Expense  21.5B  13.7B  13.1B  32.8B  62.0B  65.1B  
Total Revenue  52.3B  46.8B  48.4B  54.2B  59.6B  33.9B  
Gross Profit  52.3B  46.8B  48.4B  54.2B  59.6B  33.9B  
Income Before Tax  12.5B  (2.1B)  14.5B  15.3B  16.5B  17.3B  
Minority Interest  10.6B  9.8B  (1.5B)  (1.2B)  (1.1B)  (1.1B)  
Tax Provision  4.4B  5.6B  4.9B  4.5B  4.3B  4.6B  
Net Interest Income  35.3B  32.0B  33.4B  38.6B  43.3B  38.5B  
Interest Income  56.8B  45.7B  46.5B  71.4B  105.3B  67.0B 
Banco Santander Key Cash Accounts
2019  2020  2021  2022  2023  2024 (projected)  
Change In Cash  (12.6B)  52.8B  56.9B  12.4B  (2.7B)  (2.6B)  
Free Cash Flow  (10.8B)  57.6B  45.3B  16.9B  66.9B  70.3B  
Other Non Cash Items  18.4B  32.1B  14.6B  15.5B  26.0B  27.3B  
Capital Expenditures  14.1B  8.5B  11.4B  10.8B  13.6B  14.3B  
Net Income  8.1B  (7.7B)  9.7B  10.8B  11.1B  5.6B  
End Period Cash Flow  101.1B  153.8B  210.7B  223.1B  220.3B  231.4B  
Depreciation  3.0B  2.8B  2.8B  3.0B  3.2B  1.9B  
Dividends Paid  3.8B  4.1B  1.3B  1.8B  2.3B  2.3B  
Investments  623M  (7.2B)  546M  (3.9B)  (5.4B)  (5.1B)  
Net Borrowings  (4.0B)  315M  2.7B  (2.2B)  (2.0B)  (1.9B)  
Change To Netincome  20.0B  33.1B  16.1B  16.6B  15.0B  16.4B 
Banco Financial Ratios Relationships
Comparative valuation techniques use various fundamental indicators to help in determining Banco Santander's current stock value. Our valuation model uses many indicators to compare Banco Santander value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Banco Santander competition to find correlations between indicators driving Banco Santander's intrinsic value. More Info.Banco Santander SA is rated second in return on equity category among its peers. It also is rated second in return on asset category among its peers reporting about 0.06 of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Banco Santander SA is roughly 17.39 . At this time, Banco Santander's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the pricetoearnings (P/E), pricetobook (P/B), pricetosales (P/S), pricetocash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Banco Santander's earnings, one of the primary drivers of an investment's value.Banco Santander SA Systematic Risk
Banco Santander's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a welldiversified portfolio. Banco Santander volatility which cannot be eliminated through diversification, requires returns over the riskfree rate. Over the long run, a welldiversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a tradeoff between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was fourteen with a total number of output elements of fourtyseven. The Beta measures systematic risk based on how returns on Banco Santander SA correlated with the market. If Beta is less than 0 Banco Santander generally moves in the opposite direction as compared to the market. If Banco Santander Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Banco Santander SA is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Banco Santander is generally in the same direction as the market. If Beta > 1 Banco Santander moves generally in the same direction as, but more than the movement of the benchmark.
Banco Santander Thematic Clasifications
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Giant Impact  View 
Today, most investors in Banco Santander Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Banco Santander's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Banco Santander growth as a starting point in their analysis.
Price Earnings To Growth Ratio 

Banco Santander November 4, 2024 Opportunity Range
Along with financial statement analysis, the daily predictive indicators of Banco Santander help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Banco Santander SA. We use our internallydeveloped statistical techniques to arrive at the intrinsic value of Banco Santander SA based on widely used predictive technical indicators. In general, we focus on analyzing Banco Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Banco Santander's daily price indicators and compare them against related drivers.
Downside Deviation  2.08  
Information Ratio  0.0644  
Maximum Drawdown  8.48  
Value At Risk  (2.86)  
Potential Upside  2.14 
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Banco Santander SA. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation. You can also try the Commodity Channel module to use Commodity Channel Index to analyze current equity momentum.
Is Diversified Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Banco Santander. If investors know Banco will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Banco Santander listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.177  Dividend Share 0.195  Earnings Share 0.8  Revenue Per Share 3.044  Quarterly Revenue Growth 0.047 
The market value of Banco Santander SA is measured differently than its book value, which is the value of Banco that is recorded on the company's balance sheet. Investors also form their own opinion of Banco Santander's value that differs from its market value or its book value, called intrinsic value, which is Banco Santander's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Banco Santander's market value can be influenced by many factors that don't directly affect Banco Santander's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Banco Santander's value and its price as these two are different measures arrived at by different means. Investors typically determine if Banco Santander is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Banco Santander's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.