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Upturn AI SWOT - About
SAN 
Banco Santander SA ADR (SAN)
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Upturn Advisory Summary
10/23/2025: SAN (5-star) is a SELL. SELL since 2 days. Simulated Profits (36.64%). 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 $9.63
1 Year Target Price $9.63
| 0 | Strong Buy |
| 0 | Buy |
| 1 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 79.24% | Avg. Invested days 64 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 10/23/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 144.00B USD | Price to earnings Ratio 10.21 | 1Y Target Price 9.63 |
Price to earnings Ratio 10.21 | 1Y Target Price 9.63 | ||
Volume (30-day avg) 2 | Beta 1.28 | 52 Weeks Range 4.36 - 10.50 | Updated Date 10/24/2025 |
52 Weeks Range 4.36 - 10.50 | Updated Date 10/24/2025 | ||
Dividends yield (FY) 1.13% | Basic EPS (TTM) 0.95 |
Earnings Date
Report Date 2025-10-29 | When Before Market | Estimate 0.26 | 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 10.21 | Forward PE 9.62 | Enterprise Value 99792592896 | Price to Sales(TTM) 2.87 |
Enterprise Value 99792592896 | Price to Sales(TTM) 2.87 | ||
Enterprise Value to Revenue 6.93 | Enterprise Value to EBITDA - | Shares Outstanding 14782400000 | Shares Floating 14818134042 |
Shares Outstanding 14782400000 | Shares Floating 14818134042 | ||
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 organic expansion and acquisitions, becoming one of the largest banks in the Eurozone and a significant player globally. Its ADR allows US investors to trade shares on US exchanges.
Core Business Areas
- Retail Banking: Provides banking services to individuals and small businesses, including deposit accounts, loans, and credit cards.
- Corporate & Investment Banking: Offers financial solutions to large corporations and institutions, including financing, advisory services, and global markets.
- Wealth Management & Insurance: Provides wealth management, asset management, and insurance products to affluent clients.
- Digital Consumer Bank: Provides consumer finance products and services primarily through digital channels.
Leadership and Structure
Executive Chairman: Ana Botu00edn. The organizational structure is based on geographic regions and global businesses, reflecting its international presence.
Top Products and Market Share
Key Offerings
- Current Accounts: Provides checking accounts for individuals and businesses. Market share varies significantly by country; in Spain, Santander has a substantial market share. Competitors: CaixaBank, BBVA, ING.
- Mortgages: Offers mortgage products to home buyers. Santander is a leading mortgage provider in several European and Latin American countries. Competitors: BBVA, HSBC, BNP Paribas.
- Credit Cards: Provides a range of credit card products. Santander's credit card market share is competitive, especially in its core markets. Competitors: Visa, Mastercard, American Express, Capital One, Chase.
- Corporate Loans: Offers loans to businesses of all sizes. Competitors: JP Morgan Chase, Goldman Sachs.
Market Dynamics
Industry Overview
The banking industry is undergoing digital transformation, increased regulation, and low-interest rate environment. Competition is intense, with traditional banks facing challenges from fintech companies.
Positioning
Banco Santander is a global bank with a strong presence in Europe and Latin America. It differentiates itself through its international network and diversified business model.
Total Addressable Market (TAM)
The global banking market is estimated at trillions of USD. Banco Santander is positioned to capture a share of this market through its diverse geographic presence and product offerings.
Upturn SWOT Analysis
Strengths
- Global presence and diversified business model
- Strong brand recognition
- Extensive customer base
- Solid capital position
- Strong presence in Europe and Latin America
Weaknesses
- Exposure to volatile emerging markets
- Complex regulatory environment
- Legacy IT systems
- Sensitivity to low-interest rates
- Reputational risks
Opportunities
- Expansion in high-growth markets
- Digital transformation and innovation
- Increasing demand for wealth management services
- Growing SME lending market
- Expansion into green finance.
Threats
- Increased competition from fintech companies
- Economic slowdown and financial crises
- Regulatory changes and compliance costs
- Cybersecurity risks
- Geopolitical risks
Competitors and Market Share
Key Competitors
- JPM
- BAC
- HSBC
- BBVA
Competitive Landscape
Banco Santander's advantages include its global presence and diversified business model. Disadvantages include exposure to volatile emerging markets and legacy IT systems.
Major Acquisitions
Alliance & Leicester
- Year: 2008
- Acquisition Price (USD millions): 2182
- Strategic Rationale: Expanded Santander's presence in the UK mortgage market.
Growth Trajectory and Initiatives
Historical Growth: Growth has been driven by acquisitions and organic expansion, particularly in Latin America.
Future Projections: Analysts project moderate growth, driven by digital transformation and expansion in key markets.
Recent Initiatives: Strategic initiatives include investments in digital banking, cost-cutting measures, and focusing on core markets.
Summary
Banco Santander is a global bank with a strong international presence. Its diversified business model provides stability, but exposure to emerging markets can create volatility. Digital transformation and cost-cutting measures are key to future growth, but it needs to be aware of competition from fintechs, economic downturns and cyber security.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company reports
- Analyst estimates
- Market research reports
Disclaimers:
Data and analysis are for informational purposes only and should not be considered financial advice. Market conditions can change rapidly, affecting the accuracy of the data.
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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