---
title: "Banco Santander, S.A. (SAN.US)"
type: "Symbol"
locale: "en"
url: "https://longbridge.com/en/quote/SAN.US.md"
symbol: "SAN.US"
name: "Banco Santander, S.A."
industry: "Diversified Banks"
datetime: "2026-05-19T23:56:26.024Z"
locales:
  - [en](https://longbridge.com/en/quote/SAN.US.md)
  - [zh-CN](https://longbridge.com/zh-CN/quote/SAN.US.md)
  - [zh-HK](https://longbridge.com/zh-HK/quote/SAN.US.md)
---

# Banco Santander, S.A. (SAN.US)

## Company Overview

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.

| Item | Detail |
|------|--------|
| Industry | Diversified Banks |
| Exchange | US Market |
| Website | [www.santander.com](https://www.santander.com) |

## Key Drivers
> *AI-analyzed key factors driving this stock's performance*


## Longbridge Financial Score™: C
> *Longbridge Financial Score™ — Proprietary multi-factor rating model by Longbridge*
> Updated: 2026-05-19T04:30:13.000Z

**Overall: C (0.47)**

**Industry**: Diversified Banks

| Metric | Value |
|--------|-------|
| Industry Ranking | 20 / 64 |
| Industry Median | C |
| Industry Average | C |

- **Style**: Value - Stocks where the company's main business is in a mature stage.
- **Scale**: Large - The company has stable operations, allowing for dependable long-term returns.

**Multi Score**: C

#### Style Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Revenue YoY | 9.65% |  |
| Net Profit YoY | 34.67% |  |
| P/B Ratio | 1.43 |  |
| Dividend Ratio | 1.69% |  |

#### Size Score Score: 

| Indicator | Value | Rating |
|-----------|-------|--------|
| Market Cap | 174199610381.80 |  |
| Revenue | 55337300808.29 |  |

#### Multi Score Score: C

| Indicator | Value | Rating |
|-----------|-------|--------|
| ROE | 12.02% | B |
| Profit Margin | 34.10% | A |
| Gross Margin | 0.00% | E |
| Revenue YoY | 9.65% | B |
| Net Profit YoY | 34.67% | B |
| Total Assets YoY | 6.52% | B |
| Net Assets YoY | 7.82% | B |
| Cash Flow Margin | -99.29% | E |
| OCF YoY | 9.65% | B |
| Turnover | 0.00 | E |
| Gearing Ratio | 0.00% | A |

```chart-data:radar
{
  "title": "Longbridge Financial Score - Banco Santander, S.A.",
  "chart_type": "radar",
  "dimensions": [
    {
      "name": "Style Score",
      "grade": "",
      "indicators": [
        {
          "name": "Revenue YoY",
          "value": "9.65%",
          "rating": ""
        },
        {
          "name": "Net Profit YoY",
          "value": "34.67%",
          "rating": ""
        },
        {
          "name": "P/B Ratio",
          "value": "1.43",
          "rating": ""
        },
        {
          "name": "Dividend Ratio",
          "value": "1.69%",
          "rating": ""
        }
      ]
    },
    {
      "name": "Size Score",
      "grade": "",
      "indicators": [
        {
          "name": "Market Cap",
          "value": "174199610381.80",
          "rating": ""
        },
        {
          "name": "Revenue",
          "value": "55337300808.29",
          "rating": ""
        }
      ]
    },
    {
      "name": "Multi Score",
      "grade": "C",
      "indicators": [
        {
          "name": "ROE",
          "value": "12.02%",
          "rating": "B"
        },
        {
          "name": "Profit Margin",
          "value": "34.10%",
          "rating": "A"
        },
        {
          "name": "Gross Margin",
          "value": "0.00%",
          "rating": "E"
        },
        {
          "name": "Revenue YoY",
          "value": "9.65%",
          "rating": "B"
        },
        {
          "name": "Net Profit YoY",
          "value": "34.67%",
          "rating": "B"
        },
        {
          "name": "Total Assets YoY",
          "value": "6.52%",
          "rating": "B"
        },
        {
          "name": "Net Assets YoY",
          "value": "7.82%",
          "rating": "B"
        },
        {
          "name": "Cash Flow Margin",
          "value": "-99.29%",
          "rating": "E"
        },
        {
          "name": "OCF YoY",
          "value": "9.65%",
          "rating": "B"
        },
        {
          "name": "Turnover",
          "value": "0.00",
          "rating": "E"
        },
        {
          "name": "Gearing Ratio",
          "value": "0.00%",
          "rating": "A"
        }
      ]
    }
  ]
}
```

## Valuation Analysis

| Metric | Current | Industry Ranking | High | Median | Low |
|--------|---------|-----------------|------|--------|-----|
| PE (TTM) | 9.60 | 22/64 | 11.54 | 10.48 | 9.51 |
| PB | 1.43 | 34/64 | 1.47 | 1.30 | 1.18 |
| PS (TTM) | 3.15 | 28/64 | 3.15 | 2.78 | 2.38 |
| Dividend Yield | 1.69% | 57/64 | 1.90% | 1.69% | 1.55% |

## Peer Comparison

| Rank | Name | Profit | Growth | Operation | Security | Cash | Rating |
| --- | --- | --- | --- | --- | --- | --- | --- |
| 01 | Toronto Dominion Bank (TD.US) | B | A | E | A | B | B |
| 02 | Bank of Montreal (BMO.US) | B | B | E | A | B | B |
| 03 | ING Groep (ING.US) | B | A | E | A | C | B |
| 04 | NU Holdings (NU.US) | B | A | E | A | C | B |
| 05 | Credicorp (BAP.US) | B | B | E | A | C | B |

## Institutional View

### Analyst Rating Distribution

> As of 2026-04-30T04:00:00.000Z

Total Analysts: **3**

| Rating | Count | Percentage |
|--------|-------|-----------| 
| Overweight | 1 | 33% |
| Hold | 1 | 33% |
| Underweight | 1 | 33% |

### Target Price Forecast

| Metric | Price |
|--------|-------|
| Current Price | 11.78 |
| Highest Target | 14.30 |
| Lowest Target | 8.60 |

## References

- [Company Overview — Profile, executives, shareholders, business breakdown](https://longbridge.com/en/quote/SAN.US/overview.md)
- [Financial Reports — Income, balance sheet, cash flow, dividends](https://longbridge.com/en/quote/SAN.US/norm.md)
- [Related News](https://longbridge.com/en/quote/SAN.US/news.md)
- [Filings — Company announcements and regulatory filings](https://longbridge.com/en/quote/SAN.US/filings.md)

---

> **Disclaimer: This article is for reference only and does not constitute any investment advice.**