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Banco Santander SA ADR(SAN)
Top performer 
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for SAN
11/09/2026: SAN (5-star) is currently NOT-A-BUY. Pass it for now.
Banco Santander is a major global financial institution known for its extensive retail banking operations in Europe and Latin America. The bank has a leading position in consumer auto finance and a diversified geographic footprint that helps balance regional economic fluctuations. Its primary growth opportunity lies in the successful execution of its digital transformation strategy, which aims to improve efficiency and customer experience. Key risks include exposure to volatile emerging markets, regulatory compliance pressures, and increasing competition from digital-native fintech firms. The stock may be a strong fit for value and dividend-focused investors, provided they monitor the company's ability to maintain capital discipline and integrate its global platforms effectively.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Mixed fit | Growth is moderate and tied to global economic cycles rather than rapid tech-style expansion. |
| Momentum investor | Strong fit while signal remains positive | The stock can exhibit strong trends during periods of rising interest rates and banking sector tailwinds. |
| Value investor | Strong fit | The bank often trades at attractive valuation multiples relative to its earnings potential and book value. |
| Dividend investor | Strong fit | Santander provides consistent dividend income, making it suitable for income-focused portfolios. |
| Low-risk investor | Mixed fit | Emerging market exposure and cyclical banking risks introduce a level of volatility not suited for ultra-conservative investors. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Banking stocks are sensitive to macro events and interest rate shifts. |
| Valuation risk | Low | The company historically trades at reasonable multiples relative to its peers. |
| Competition risk (Fintech) | Medium | Digital-only banks threaten traditional retail banking revenue streams. |
| Business quality | Strong | Santander possesses a well-established and highly diversified global franchise. |
| Dividend income | Medium / high | Dividend payouts are dependent on regulatory approval and profitability. |
| Execution risk | Medium | Integrating digital platforms across diverse international markets is complex. |
Price Behavior
Rolling Over
The price momentum is slowing down and beginning to turn downward.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit 127.91% | Avg. Invested days 76 | Today’s Advisory PASS |
Upturn Advisory Rating  | Upturn Advisory Performance  5.0 | Stock Returns Performance  5.0 |
| Profits based on simulation | Last Close 11/09/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 169.27B USD | Price to earnings Ratio 11.08 | 1Y Target Price 14.56 |
Price to earnings Ratio 11.08 | 1Y Target Price 14.56 | ||
Volume (30-day avg) 9.1M shares | Beta 0.9 | 52 Weeks Range 9.81 - 14.87 | Updated Date 11/08/2026 |
52 Weeks Range 9.81 - 14.87 | Updated Date 11/08/2026 | ||
Dividends yield (FY) 2.10% | Basic EPS (TTM) 1.06 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Retail Banking | Interest income from loans and fee income from services in Europe and the Americas. | The primary engine of the bank, driven by everyday consumer deposits and loans. |
| Geography: Latin America | Significant operations in Brazil, Mexico, and Chile. | Provides higher growth potential but also brings higher volatility to the company's results. |
| Corporate Banking | Advisory, trading, and lending to large companies. | A capital-intensive business segment that provides stable fee and interest income from global corporations. |
Earnings Date
Report Date 2026-10-28 | When Before Market | Estimate 0.26 | Actual 0.26 |
Profitability
Profit Margin 32.58% | Operating Margin (TTM) 42.76% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 13.06% |
Valuation
Trailing PE 11.08 | Forward PE 8.42 | Enterprise Value 250.58B | Price to Sales(TTM) 3.41 |
Enterprise Value 250.58B | Price to Sales(TTM) 3.41 | ||
Enterprise Value to Revenue 8.03 | Enterprise Value to EBITDA - | Shares Outstanding 14.42B | Shares Floating 13.94B |
Shares Outstanding 14.42B | Shares Floating 13.94B | ||
Percent Insiders - | Percent Institutions 3.53 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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