Banco Santander, S.A. SAN.MC
Composite 59/100; the shares have moved about 32% annualised. Names that move more contribute more risk for the same amount invested, and our composite reflects how strong the evidence for this one is right now.
Balance-sheet strength ranks 46/100 — a slight mark against it.
Momentum ranks 87/100 — a strong point in its favour. Valuation ranks 66/100 — a moderate point in its favour. Income ranks 58/100 — a slight point in its favour.
Balance-sheet strength ranks 46/100 — a slight mark against it. Quality ranks 46/100 — a slight mark against it.
What the company does Banco Santander provides retail and commercial banking, corporate and investment banking, wealth management, insurance, and digital payments across Europe and the Americas.
Key financials ROE 13.1%, ROA 0.8%, net margin 33.5%; revenue grew 4.6% and EPS 67.4%. Dividend yield is 1.0% with a 25.4% payout ratio.
Stock health Sideravia scores: Quality 49.6, Growth 56.0, Strength 37.8, Valuation 66.3, Momentum 76.6, Income 53.1. 12-month momentum is 70.30%, RSI(14) 51.60.
Price vs fair value The stock trades at a discount of 0.30% to our fair-value estimate of 11.98 and a discount of 9.12% to the 12-month target of 13.04. - TSB staff preparing legal action over office rules may weigh on sentiment (The Telegraph). - Recent ADR trading saw sharp gains and modest declines, reflecting mixed near-term momentum (MT Newswires). - Analysts value the stock at a 9.12% discount to their 13.04 target (analyst count 20.0).
Looking forward Forward P/E is 12.25 and PEG 0.91, suggesting modest valuation relative to growth. Strength and quality scores trail peers, but momentum and valuation remain supportive.
This is not investment advice. Sideravia provides automated, data-driven analysis for information and education only. Nothing on this page is a personal recommendation or an invitation to buy or sell any security, and it does not consider your objectives or financial situation. Assessments are generated by rules applied uniformly to every covered stock — how our scores work.
Data as of 2026-09-04, compiled from third-party sources; errors and delays are possible and figures are not warranted. Investing puts your capital at risk; past performance does not predict future results. We publish our full track record, including the calls that lost, and our conflicts of interest.