Stock Scorecard
Stock Summary for Banco Santander S.A. (SAN) - $10.62 as of 3/23/2026 6:01:40 PM EST
Total Score
12 out of 30
Safety Score
52 out of 100
Currently on the following lists
None
Tim's Recommendation
Avoid
Growth List Algorithm Criteria for SAN
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for SAN
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for SAN
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for SAN
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for SAN (52 out of 100)
| Stock Price Rating (Max of 10) | 5 |
| Historical Stock Price Rating (Max of 10) | 3 |
| Stock Price Trend (Max of 10) | 10 |
| Book Value (Max of 10) | 4 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 0 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 4 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 10 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Latest News for for SAN
Financial Details for SAN
Company Overview |
|
|---|---|
| Ticker | SAN |
| Company Name | Banco Santander S.A. |
| Country | USA |
| Description | Banco Santander, SA, offers various commercial and retail banking products and services to individuals, small and medium-sized companies and large companies worldwide. The company is headquartered in Madrid, Spain. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - DIVERSIFIED |
| Most Recent Quarter | 12/31/2025 |
| Next Earnings Date | 4/29/2026 |
Stock Price History |
|
| Last Day Price | 10.62 |
| Price 4 Years Ago | 2.64 |
| Last Day Price Updated | 3/23/2026 6:01:40 PM EST |
| Last Day Volume | 14,362,756 |
| Average Daily Volume | 17,411,167 |
| 52-Week High | 13.24 |
| 52-Week Low | 5.40 |
| Last Price to 52 Week Low | 96.67% |
Valuation Measures |
|
| Trailing PE | 10.97 |
| Industry PE | 13.15 |
| Sector PE | 60.12 |
| 5-Year Average PE | 6.37 |
| Free Cash Flow Ratio | 1.01 |
| Industry Free Cash Flow Ratio | 1.69 |
| Sector Free Cash Flow Ratio | 66.48 |
| Current Ratio Most Recent Quarter | 0.59 |
| Total Cash Per Share | 10.50 |
| Book Value Per Share Most Recent Quarter | 8.14 |
| Price to Book Ratio | 1.29 |
| Industry Price to Book Ratio | 1.54 |
| Sector Price to Book Ratio | 1.89 |
| Price to Sales Ratio Twelve Trailing Months | 3.28 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.00 |
| Sector Price to Sales Ratio Twelve Trailing Months | 4.15 |
| Analyst Buy Ratings | 0 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 14,492,791,000 |
| Market Capitalization | 153,913,440,420 |
| Institutional Ownership | 3.11% |
Dividends |
|
| Ex-Dividend Date | 5/4/2026 |
| Previous Dividend Amount | 0.1323 |
| Current Dividend Amount | 0.1473 |
| Total Years Dividend Increasing | 4 |
| Trailing Annual Dividend Rate | 0.26 |
| Trailing Annual Dividend Yield | 2.34% |
| Forward Annual Dividend Rate | 0.29 |
| Forward Annual Dividend Yield | 2.69% |
| 5-Year Dividend Payments Count | 11 |
| 3-Year Average Dividend Yield | 2.19% |
| 5-Year Average Dividend Yield | 3.76% |
| 1-Year Dividend Growth Rate Percentage | 14.93% |
| 3-Year Dividend Growth Rate Percentage | 7.20% |
| 5-Year Dividend Growth Rate Percentage | 27.46% |
| All-Time Dividend Growth Rate Percentage | 3.43% |
| Dividend Payout Ratio | 26.70% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 25.30% |
| Annual Earnings Growth | 12.14% |
| Reported EPS 12 Trailing Months | 0.96 |
| Reported EPS Past Year | 1.05 |
| Reported EPS Prior Year | 0.83 |
| Net Income Twelve Trailing Months | 14,101,000,000 |
| Net Income Past Year | 14,101,000,000 |
| Net Income Prior Year | 12,574,000,000 |
| Quarterly Revenue Growth YOY | -6.40% |
| 5-Year Revenue Growth | 14.66% |
| Operating Margin Twelve Trailing Months | 43.70% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 152,281,000,000 |
| Total Cash Past Year | 179,296,000,000 |
| Total Cash Prior Year | 217,892,000,000 |
| Net Cash Position Most Recent Quarter | -172,109,000,000 |
| Net Cash Position Past Year | -145,094,000,000 |
| Long Term Debt Past Year | 324,390,000,000 |
| Long Term Debt Prior Year | 325,521,000,000 |
| Total Debt Most Recent Quarter | 324,390,000,000 |
| Equity to Debt Ratio Past Year | 0.24 |
| Equity to Debt Ratio Most Recent Quarter | 0.24 |
| Total Stockholder Equity Past Year | 103,126,090,000 |
| Total Stockholder Equity Prior Year | 98,601,000,000 |
| Total Stockholder Equity Most Recent Quarter | 103,126,090,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | -12,297,000,000 |
| Free Cash Flow Per Share Twelve Trailing Months | -0.85 |
| Free Cash Flow Past Year | -22,494,000,000 |
| Free Cash Flow Prior Year | -32,649,000,000 |
Options |
|
| Put/Call Ratio | 0.25 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.40 |
| MACD Signal | -0.33 |
| 20-Day Bollinger Lower Band | 9.98 |
| 20-Day Bollinger Middle Band | 11.58 |
| 20-Day Bollinger Upper Band | 13.19 |
| Beta | 0.92 |
| RSI | 37.16 |
| 50-Day SMA | 9.71 |
| 150-Day SMA | 6.07 |
| 200-Day SMA | 5.22 |
System |
|
| Modified | 3/21/2026 7:03:02 AM EST |