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Upturn AI SWOT - About
SAN 
Banco Santander SA ADR (SAN)
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Upturn Advisory Summary
07/02/2025: SAN (5-star) is a STRONG-BUY. BUY since 47 days. Profits (18.32%). Updated daily EoD!
Upturn Star Rating
Outstanding Performance
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $7.45
1 Year Target Price $7.45
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 55.2% | Avg. Invested days 51 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 07/02/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 122.94B USD | Price to earnings Ratio 8.71 | 1Y Target Price 7.45 |
Price to earnings Ratio 8.71 | 1Y Target Price 7.45 | ||
Volume (30-day avg) 2 | Beta 1.29 | 52 Weeks Range 4.11 - 8.48 | Updated Date 07/2/2025 |
52 Weeks Range 4.11 - 8.48 | Updated Date 07/2/2025 | ||
Dividends yield (FY) 2.99% | Basic EPS (TTM) 0.95 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.87% | Operating Margin (TTM) 43.1% |
Management Effectiveness
Return on Assets (TTM) 0.79% | Return on Equity (TTM) 13.33% |
Valuation
Trailing PE 8.71 | Forward PE 8.6 | Enterprise Value 87650312192 | Price to Sales(TTM) 2.42 |
Enterprise Value 87650312192 | Price to Sales(TTM) 2.42 | ||
Enterprise Value to Revenue 6.65 | Enterprise Value to EBITDA - | Shares Outstanding 14866199552 | Shares Floating 14910330193 |
Shares Outstanding 14866199552 | Shares Floating 14910330193 | ||
Percent Insiders - | Percent Institutions 2.66 |
Upturn AI SWOT
Banco Santander SA ADR
Company Overview
History and Background
Banco Santander was founded in 1857 in Santander, Spain. It has grown through acquisitions and organic expansion to become one of the largest banks in the Eurozone and globally.
Core Business Areas
- Retail Banking: Offers a range of financial services to individuals and small businesses, including current accounts, savings accounts, loans, mortgages, and insurance products.
- Corporate & Investment Banking (Santander CIB): Provides financial solutions to corporations, financial institutions, and institutional investors, including investment banking, global transaction banking, and markets services.
- Wealth Management & Insurance: Offers wealth management, asset management, and insurance products and services to high-net-worth individuals and institutional clients.
Leadership and Structure
The Executive Chairman is Ana Botu00edn. The organizational structure includes various divisions based on geography and business lines, with centralized control functions.
Top Products and Market Share
Key Offerings
- Mortgages: Offers a variety of mortgage products tailored to different customer needs. Market share varies by region, but Santander is a major mortgage lender in several European and Latin American countries. Competitors include CaixaBank, BBVA, and HSBC. Specific market share data unavailable, but is a top 3 player in Spain and Portugal.
- Consumer Loans: Provides personal loans for various purposes, such as vehicle financing and home improvement. Competitors include Barclays, BNP Paribas, and Capital One. Revenue generated from this product is proprietary information, but consumer loans are a significant revenue stream.
- Credit Cards: Offers a range of credit cards with varying rewards programs and benefits. Santander is a leading credit card issuer in several markets. Competitors include American Express, Visa and Mastercard partners.. Specific market share data unavailable.
Market Dynamics
Industry Overview
The banking industry is facing increased competition from fintech companies, regulatory pressures, and low interest rates. Digital transformation and customer-centricity are key trends.
Positioning
Banco Santander is a large, diversified bank with a strong presence in Europe and Latin America. Its competitive advantages include its global network, strong brand, and diversified revenue streams.
Total Addressable Market (TAM)
The global banking market is estimated to be in the trillions of dollars. Santander is positioned to capture a significant share of this market through its diversified operations and strategic investments.
Upturn SWOT Analysis
Strengths
- Global presence and diversification
- Strong brand recognition
- Large customer base
- Diversified revenue streams
- Technological investments
Weaknesses
- Exposure to volatile emerging markets
- Complexity of operations
- Regulatory scrutiny
- Relatively lower efficiency ratios than some competitors
Opportunities
- Digital transformation and innovation
- Growth in emerging markets
- Expansion of wealth management services
- Strategic acquisitions
- Increasing interest rates
Threats
- Economic downturns in key markets
- Increased competition from fintech companies
- Regulatory changes and compliance costs
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- BAC
- JPM
- HSBC
- BNPQY
- UBS
Competitive Landscape
Banco Santander benefits from its global reach and strong brand, however some competitors like JPM have stronger investment banking arms and a larger presence in the US market. Fintech companies also pose a threat, especially in areas like payments and lending.
Major Acquisitions
Alliance & Leicester
- Year: 2008
- Acquisition Price (USD millions): 2200
- Strategic Rationale: Expanded Santander's presence in the UK mortgage market.
Banco Popular Espau00f1ol
- Year: 2017
- Acquisition Price (USD millions): 1
- Strategic Rationale: Expanded Santander's presence in the Spanish market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by organic expansion and strategic acquisitions, particularly in Latin America.
Future Projections: Future growth is expected to be driven by digital transformation, expansion in emerging markets, and increased focus on wealth management.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, strategic partnerships with fintech companies, and cost-cutting measures.
Summary
Banco Santander is a large global bank with a strong presence in Europe and Latin America. Its diversified business model and global network are strengths, but it faces challenges from regulatory pressures, competition from fintech companies, and economic volatility in emerging markets. Digital transformation and strategic acquisitions are key to its future growth. The company has made a push to grow the marketshare and keep pace with the large banks that focus within the U.S. economy.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, market research reports, investor presentations
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor. Market share estimates are approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Banco Santander SA ADR
Exchange NYSE | Headquaters - | ||
IPO Launch date 1987-07-29 | Group CEO & Executive Director Mr. Hector Blas Grisi Checa | ||
Sector Financial Services | Industry Banks - Diversified | Full time employees 206736 | Website https://www.santander.com |
Full time employees 206736 | Website https://www.santander.com | ||
Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; private and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, payment and collection, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, rental, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. Banco Santander, S.A. was incorporated in 1856 and is headquartered in Madrid, Spain.
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