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Upturn AI SWOT - About
SAN 
Banco Santander SA ADR (SAN)
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Upturn Advisory Summary
09/16/2025: SAN (5-star) is a STRONG-BUY. BUY since 99 days. Simulated Profits (40.00%). 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 $9.3
1 Year Target Price $9.3
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 83.64% | Avg. Invested days 60 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 09/16/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 150.43B USD | Price to earnings Ratio 10.56 | 1Y Target Price 9.3 |
Price to earnings Ratio 10.56 | 1Y Target Price 9.3 | ||
Volume (30-day avg) 2 | Beta 1.32 | 52 Weeks Range 4.36 - 10.16 | Updated Date 09/16/2025 |
52 Weeks Range 4.36 - 10.16 | Updated Date 09/16/2025 | ||
Dividends yield (FY) 1.09% | Basic EPS (TTM) 0.96 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 26.61% | Operating Margin (TTM) 41.69% |
Management Effectiveness
Return on Assets (TTM) 0.8% | Return on Equity (TTM) 13.61% |
Valuation
Trailing PE 10.56 | Forward PE 9.54 | Enterprise Value 106390765568 | Price to Sales(TTM) 3 |
Enterprise Value 106390765568 | Price to Sales(TTM) 3 | ||
Enterprise Value to Revenue 6.89 | Enterprise Value to EBITDA - | Shares Outstanding 14835500032 | Shares Floating 14818583917 |
Shares Outstanding 14835500032 | Shares Floating 14818583917 | ||
Percent Insiders - | Percent Institutions 2.85 |
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 international expansion to become one of the largest banks in the Eurozone.
Core Business Areas
- Retail Banking: Offers traditional banking services to individuals, including accounts, loans, and credit cards.
- Corporate and Investment Banking: Provides financial solutions to corporations, including financing, advisory, and transaction services.
- Wealth Management and Insurance: Offers wealth management services, insurance products, and private banking solutions.
- Digital Consumer Bank: Specialises in car finance and consumer lending operations with a strong digital component.
Leadership and Structure
The Chairman is Ana Botu00edn. The CEO is Hu00e9ctor Grisi Checa. The company operates with a decentralized structure, with regional heads managing operations in different geographic areas.
Top Products and Market Share
Key Offerings
- Current Accounts: Standard banking accounts for daily transactions. Santander holds a significant market share in Spain and Latin America. Competitors include CaixaBank, BBVA, and other local banks.
- Mortgages: Home loan products. Santander is a major mortgage lender in several markets, competing with local and international banks.
- Corporate Loans: Loans for businesses. Competitors include JPMorgan Chase, Goldman Sachs, and local banks in each market.
- Credit Cards: Credit cards for consumer spending. Competitors include Visa, Mastercard, American Express and other banks' card brands.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from low interest rates, increased regulation, and the rise of fintech companies.
Positioning
Banco Santander is a leading international bank with a strong presence in Europe and Latin America. Its competitive advantages include its diversified business model and global reach.
Total Addressable Market (TAM)
The global banking market is estimated at trillions of dollars. Santander is positioned to capture a portion of this TAM through its diverse offerings and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified business model
- Global presence
- Solid capital base
- Strong digital consumer bank arm
Weaknesses
- Exposure to emerging market risks
- Complexity of international operations
- Vulnerability to regulatory changes
- Profitability Lower than US Banks
- Dependence on Europe's economy
Opportunities
- Growth in emerging markets
- Expansion of digital banking services
- Increased demand for wealth management
- M&A opportunities
- Rising Interest Rates
Threats
- Economic downturns
- Increased competition from fintech companies
- Regulatory changes
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- BAC
- JPM
- C
Competitive Landscape
Banco Santander competes with a wide range of banks, including large global players and smaller regional banks. Its strengths include its global presence and diversified business model. Its weaknesses include its exposure to emerging market risks.
Major Acquisitions
Alliance & Leicester
- Year: 2008
- Acquisition Price (USD millions): 2610
- Strategic Rationale: Expanded Santander's presence in the UK mortgage market.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been driven by acquisitions and expansion into new markets.
Future Projections: Analyst estimates project moderate growth in revenue and earnings over the next few years.
Recent Initiatives: Recent initiatives include investments in digital banking and expansion into new markets.
Summary
Banco Santander is a large, international bank with a strong presence in Europe and Latin America. Its diversified business model and global reach are strengths. However, it faces risks from exposure to emerging markets, economic downturns, and increased competition. The company's digital consumer bank arm has seen considerable success and is likely to continue doing so. Santander should focus on streamlining operations and managing risk to improve long-term performance.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings, analyst reports, market data providers
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance are subject to change.
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 204330 | Website https://www.santander.com |
Full time employees 204330 | 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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