Banco Santander, S.A. (SAN)
ValueMarkers Composite Index
DCF data not available
Banco Santander, S.A. (SAN) — VMCI valuation read
SAN screens at VMCI 52/100, a 2-point gap above the Financial Services sector median (50). For a mid-cap Banco Santander, S.A. share, that placement says the multi-pillar composite is cheaper or higher quality than the typical peer on a like-for-like basis.
SAN has logged no Form 4 insider activity over the trailing 30 days. The tape reads neither bullish nor bearish on insider conviction. The next signal sits with the 10-Q schedule and the analyst calendar.
**Investor frame.** Value: SAN trades at 16.0x earnings, 11% below the Financial Services median of 18.0x, while EV/EBITDA prints 9.0x against 12.0x for the Financial Services group. Quality: ROIC of 16.0% sits 6.0pp above the Financial Services median (10.0%), the cleanest like-for-like comparison on capital efficiency. Risk: net debt to EBITDA of -2.3x leaves covenant headroom, which sets the rate-cycle exposure for Banco Santander, S.A..
SAN fell 0.7% over the trailing 7 days, with a +1.4% read on a 30-day basis.
Banco Santander, S.A. provides various retail and commercial banking products and services to individuals, small and medium-sized enterprises, and large companies worldwide. It offers demand and time deposits, and current and savings accounts; mortgages, consumer finance, syndicated corporate loans, structured financing, cash management, export and agency finance, trade and working capital solutions, and corporate finance; and insurance products. The company also provides cash, asset, and wealth management; and private banking services. In addition, it is involved in the corporate banking; treasury, risk hedging, foreign trade, confirming, custody, and investment banking activities. The company operates through a network of 9,879 branches. The company was formerly known as Banco Santander Central Hispano S.A. and changed its name to Banco Santander, S.A. in June 2007. Banco Santander, S.A. was founded in 1856 and is headquartered in Madrid, Spain.
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