Banco Santander S.A. Sponsored ADR (Spain) (SAN)

FairStock Score: 56/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look at Banco Santander as a bank first. It is not a limitless-quality compounder, but it is a large, diversified lender with retail, consumer, corporate, wealth, and payments operations. FairStock's calculations show a return on equity of 13.11%, which is respectable rather than exceptional, and at the 2026-10-13 close of $13.55 the shares trade at 1.59 times book and 13.16 times earnings. That price-to-book already gives credit for improvement. The PEG of 5.18 warns that the multiple is not supported by fast bottom-line growth. In the latest reported quarter, fiscal Q2 2026, revenue was $15.5B and net income was $3.5B, a 22.67% margin. That is real scale, but profit growth appears slower than revenue growth in the supplied data. The moat comes from diversification and scale, not from a unique franchise. Banks are leveraged institutions, and the data lacks CET1, net interest margin, and combined ratio—though that last one is not central for a bank—plus loan-loss coverage and non-performing loan figures, so I cannot fully judge credit or capital risk. The Piotroski F-Score of 2/9 is weak, and the FairStock Score of 56/100 is middling. The Lynch category is none because only zero years of filed results are available and three are needed, so consistency cannot be measured. At 1.59 times book, I want a higher return on equity or clearer evidence that credit costs are tame. The price looks fair, perhaps full, not a bargain.

In plain English: Banco Santander is a large global bank that takes deposits and makes loans to individuals, small businesses, and large companies. Its latest quarter showed a solid profit, but the stock price is above the accounting value of the bank and growth looks modest, so the shares do not look clearly cheap. Important details about its capital strength and loan quality are missing from the data, making the overall picture mixed.

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Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer