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

Data as of 2026-09-08. NYSE, United States. Sector: Financial Services / Banks. Price $14.93, market value $216.8 billion.

## Valuation
- **P/E (trailing): 14.6×** (5-yr avg 7.2×, 3-yr avg 8.2×). Banco Santander S.A. Sponsored ADR (Spain) trades at 14.6× trailing earnings, well above its own five-year average of 7.2×: investors are paying up relative to the company's past. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 10.4×, lower than trailing, so analysts expect earnings to grow.
- **PEG: 0.62**. A PEG of 0.62 means the P/E is low relative to expected earnings growth: the market is not paying much for that growth.
- **Price / sales: 3.1×**. Each dollar of revenue is priced at 3.1×.
- **Price / book: 1.7×**. The shares trade at 1.7× book value; book value is a meaningful part of the valuation.
- **Free-cash-flow yield: -11.1%** (5-yr avg 13.6%). Free cash flow is negative: the business is consuming cash, which is normal for heavy investment phases but a warning otherwise.
- **Earnings yield: 6.8%**. The inverse of the P/E: 6.8% of the price is earned each year.

## Profitability
- **Return on equity: 13.7%**. 13.7% on shareholders' equity is solid.
- **Return on assets: 0.9%**. Each dollar of assets produces 0.9% of profit; low single digits are normal for banks and insurers.

## Growth
- **EPS growth (1 yr): 16.9%** (3-yr 18.8%/yr). Earnings per share rose 16.9%.

## Dividends
- **Dividend yield: 1.86%** ($0.28 per share, trailing). Banco Santander S.A. Sponsored ADR (Spain) yields 1.86%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 22%**. 22% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 5**. 5 straight years of increases.

## Analyst view
- **Analyst consensus: hold** (3 analysts). 3 analysts cover Banco Santander S.A. Sponsored ADR (Spain); the consensus is hold, with an average price target of $14.79 (-1% from the current price). Analyst opinion is shown for context; it is not part of the Fundamental Score.

## Price and momentum
- **Total return (1 yr): 57.8%** (YTD 28.8%, 3-mo 22.9%). The shares are up 57.8% over twelve months including dividends.
- **From 52-week high: -0.8%** (55.2% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 60**. An RSI of 60 is neutral.
- **Beta (1 yr): 1.62** (volatility 33%). Beta of 1.62 against the S&P 500: the shares move much more than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=SAN · Page: https://foliofundamentals.com/stocks/san

Not investment advice.