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Upturn AI SWOT - About
SAN 
Banco Santander SA ADR (SAN)
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Upturn Advisory Summary
08/28/2025: SAN (5-star) is a STRONG-BUY. BUY since 87 days. Profits (35.24%). 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 77.4% | Avg. Invested days 58 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 08/28/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 143.61B USD | Price to earnings Ratio 10.18 | 1Y Target Price 7.45 |
Price to earnings Ratio 10.18 | 1Y Target Price 7.45 | ||
Volume (30-day avg) 2 | Beta 1.3 | 52 Weeks Range 4.36 - 9.82 | Updated Date 08/29/2025 |
52 Weeks Range 4.36 - 9.82 | Updated Date 08/29/2025 | ||
Dividends yield (FY) 1.17% | Basic EPS (TTM) 0.95 |
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 10.18 | Forward PE 9.66 | Enterprise Value 99342721024 | Price to Sales(TTM) 2.86 |
Enterprise Value 99342721024 | Price to Sales(TTM) 2.86 | ||
Enterprise Value to Revenue 6.83 | Enterprise Value to EBITDA - | Shares Outstanding 14850700288 | Shares Floating 14818733875 |
Shares Outstanding 14850700288 | Shares Floating 14818733875 | ||
Percent Insiders - | Percent Institutions 2.84 |
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. The ADR allows US investors to trade shares.
Core Business Areas
- Retail Banking: Offers a wide range of financial products and services to individuals and small businesses, including checking and savings accounts, loans, mortgages, and credit cards.
- Corporate & Investment Banking (Santander CIB): Provides financial solutions and advisory services to corporations, institutions, and governments, including investment banking, corporate finance, and global transaction banking.
- Wealth Management & Insurance: Offers wealth management services, including investment advice, portfolio management, and private banking, as well as insurance products.
- Digital Consumer Bank: Focuses on digital banking services for consumers, including online and mobile banking platforms.
Leadership and Structure
The Executive Chairman is Ana Botu00edn. The organizational structure includes a board of directors and various business divisions, each headed by senior executives. The company operates in multiple geographic regions, each managed by regional heads.
Top Products and Market Share
Key Offerings
- Market Share (%): [object Object],[object Object],[object Object]
- Mortgages: Provides mortgage lending services. Market share varies by country; Santander is a major player in Spain, the UK, and Brazil. Competitors include CaixaBank (Spain) and HSBC (UK).
- Consumer Loans: Offers various consumer loan products. Competitors include BBVA and BNP Paribas.
- Market Share (%): [object Object],[object Object]
- Credit Cards: Offers various credit card products. Competitors include Capital One and American Express.
- Market Share (%): [object Object],[object Object]
- Market Share (%): [object Object],[object Object]
- Payment Solutions: Payment processing services for retail partners. Competitors include Paypal and Stripe.
Market Dynamics
Industry Overview
The banking industry is highly competitive and is facing headwinds with increasing regulatory scrutiny, technological disruption from fintech companies, and fluctuating interest rates.
Positioning
Banco Santander is a global bank with a strong presence in Europe and Latin America. Its competitive advantages include its diversified business model, its global reach, and its strong brand recognition.
Total Addressable Market (TAM)
The global banking market is estimated to be worth trillions of dollars. Banco Santander is positioned to capture a portion of this TAM through its various business segments and geographic reach.
Upturn SWOT Analysis
Strengths
- Strong global brand
- Diversified business model
- Extensive network of branches and ATMs
- Strong presence in Europe and Latin America
- Digital transformation initiatives
Weaknesses
- Exposure to macroeconomic risks in certain regions
- Litigation and regulatory risks
- Complexity of operations across multiple countries
- Sensitivity to interest rate fluctuations
- Competition from fintech companies
Opportunities
- Expansion into new markets
- Growth of digital banking
- Increased demand for wealth management services
- Strategic acquisitions
- Increased focus on sustainable finance
Threats
- Economic downturns
- Increased regulation
- Cybersecurity risks
- Competition from fintech companies
- Geopolitical instability
Competitors and Market Share
Key Competitors
- BAC
- HSBC
- BCS
- BBVA
Competitive Landscape
Banco Santander faces intense competition from other global banks and fintech companies. Its advantages include its global reach, its diversified business model, and its strong brand recognition. Disadvantages include exposure to macroeconomic risks in certain regions and increased regulation.
Major Acquisitions
Alliance & Leicester
- Year: 2008
- Acquisition Price (USD millions): 2200
- Strategic Rationale: Expanded Banco Santander's presence in the UK mortgage market.
Banco Popular
- Year: 2017
- Acquisition Price (USD millions): 1
- Strategic Rationale: Acquired a struggling Spanish bank to strengthen its position in the Spanish market.
Growth Trajectory and Initiatives
Historical Growth: Banco Santander has grown both organically and through acquisitions, expanding its presence in key markets and diversifying its business lines.
Future Projections: Analysts project continued growth for Banco Santander, driven by its digital transformation initiatives, expansion into new markets, and increased focus on wealth management.
Recent Initiatives: Recent initiatives include investments in digital banking platforms, expansion of its wealth management business, and a focus on sustainable finance.
Summary
Banco Santander is a large, diversified global bank with a strong presence in Europe and Latin America. Its digital transformation initiatives and focus on wealth management are working well. However, the bank faces challenges, including exposure to macroeconomic risks and increased competition from fintech companies, that it needs to address.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Reports
- Market Data Providers (e.g., Yahoo Finance, Bloomberg)
- Analyst Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market data is subject to change. Investment decisions should be based on individual research and consultation with a financial advisor.
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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