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Upturn AI SWOT - About
SAN 
Banco Santander SA ADR (SAN)
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Upturn Advisory Summary
03/13/2025: SAN (5-star) is a STRONG-BUY. BUY since 35 days. Profits (27.72%). 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.
AI Based Fundamental Rating
Moderate Performance
These Stocks/ETFs, based on Upturn Advisory, typically align with the market average, offering steady but unremarkable returns.
Analysis of Past Performance
Type Stock | Historic Profit 75.21% | Avg. Invested days 50 | Today’s Advisory Strong Buy |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  4.0 |
| Profits based on simulation | Last Close 03/13/2025 |
Key Highlights
Company Size Large-Cap Stock | Market Capitalization 102.61B USD | Price to earnings Ratio 7.98 | 1Y Target Price 6.7 |
Price to earnings Ratio 7.98 | 1Y Target Price 6.7 | ||
Volume (30-day avg) 5943718 | Beta 1.37 | 52 Weeks Range 4.18 - 7.16 | Updated Date 04/1/2025 |
52 Weeks Range 4.18 - 7.16 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.44% | Basic EPS (TTM) 0.84 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 24.75% | Operating Margin (TTM) 42.46% |
Management Effectiveness
Return on Assets (TTM) 0.76% | Return on Equity (TTM) 12.99% |
Valuation
Trailing PE 7.98 | Forward PE 8.1 | Enterprise Value 8493650944 | Price to Sales(TTM) 2.02 |
Enterprise Value 8493650944 | Price to Sales(TTM) 2.02 | ||
Enterprise Value to Revenue 5.62 | Enterprise Value to EBITDA - | Shares Outstanding 15037100032 | Shares Floating 14949113154 |
Shares Outstanding 15037100032 | Shares Floating 14949113154 | ||
Percent Insiders - | Percent Institutions 2.59 |
Analyst Ratings
Rating 4.5 | Target Price 6.4 | Buy 1 | Strong Buy 1 |
Buy 1 | Strong Buy 1 | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Banco Santander SA ADR
Company Overview
History and Background
Banco Santander was founded in 1857 in Santander, Spain. Initially focused on trade finance, it expanded through acquisitions and internationalization to become a global financial services company. The ADR allows US investors to trade shares on the NYSE.
Core Business Areas
- Retail Banking: Provides banking services to individuals, including deposit accounts, loans, and credit cards.
- Commercial Banking: Offers financial solutions to small and medium-sized enterprises (SMEs), including loans, transaction banking, and investment products.
- Corporate & Investment Banking: Provides investment banking, corporate finance, and global markets services to large corporations and institutional investors.
- Wealth Management & Insurance: Offers wealth management, private banking, and insurance products to high-net-worth individuals and families.
Leadership and Structure
The board of directors oversees the management team, led by the Group Executive Chairman. The structure includes regional and global business units, each headed by senior executives.
Top Products and Market Share
Key Offerings
- Mortgages: Offers various mortgage products to homebuyers. Market share varies by region, but Santander is a leading mortgage provider in Spain and the UK. Competitors include BBVA (BBVA), CaixaBank, and Lloyds Banking Group (LYG).
- Credit Cards: Provides a range of credit cards with different rewards and benefits. Santander has a significant credit card market share in several European and Latin American countries. Competitors include American Express (AXP), Visa (V), and Mastercard (MA).
- Business Loans: Offers loans and financing solutions to small and medium-sized businesses. Santander is a key player in business lending across its core markets. Competitors include JPMorgan Chase (JPM), Bank of America (BAC), and regional banks.
- Wealth Management: Offers wealth management solutions to high net-worth individuals in certain markets. Competitors include Goldman Sachs (GS) and Morgan Stanley (MS).
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased regulatory scrutiny, and the rise of fintech companies. Consolidation and digital transformation are key trends.
Positioning
Banco Santander is a global bank with a strong presence in Europe and Latin America. Its competitive advantages include a diversified business model, strong brand recognition, and a large customer base.
Total Addressable Market (TAM)
The global banking market is estimated to be several trillion dollars. Banco Santander is positioned to capture a significant portion of this TAM through its international presence and diversified offerings.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Diversified geographic presence
- Large customer base
- Strong capital position
- Technological innovation
Weaknesses
- Exposure to macroeconomic risks in certain markets
- High operating costs compared to some competitors
- Regulatory compliance challenges
- Complexity of global operations
Opportunities
- Expanding into new markets
- Growing wealth management business
- Leveraging technology to improve efficiency
- Acquiring smaller banks or fintech companies
- Capitalizing on rising interest rates
Threats
- Economic downturns in key markets
- Increased competition from fintech companies
- Changes in regulations
- Cybersecurity risks
- Geopolitical instability
Competitors and Market Share
Key Competitors
- JPM
- BAC
- HSBC
- BNPQY
- BCS
Competitive Landscape
Banco Santander faces competition from global and regional banks, as well as fintech companies. It differentiates itself through its international presence and diversified business model.
Major Acquisitions
Alliance & Leicester (UK)
- Year: 2008
- Acquisition Price (USD millions): 2100
- Strategic Rationale: Expanded Santander's presence in the UK mortgage market.
Growth Trajectory and Initiatives
Historical Growth: Discuss Banco Santander SA ADR's growth trends over the past years.
Future Projections: Provide projections for Banco Santander SA ADR's future growth based on analyst estimates.
Recent Initiatives: Highlight recent strategic initiatives undertaken by Banco Santander SA ADR.
Summary
Banco Santander is a global bank with a strong presence in Europe and Latin America. Its diversified business model and large customer base are key strengths. However, it faces challenges from macroeconomic risks, regulatory compliance, and increased competition. The company has undertaken various strategic initiatives to enhance efficiency and drive future growth but must address challenges such as regulatory compliance and economic downturns.
Similar Companies
BAC
Bank of America Corp
BAC
Bank of America Corp
BCS
Barclays PLC ADR
BCS
Barclays PLC ADR
HSBC
HSBC Holdings PLC ADR
HSBC
HSBC Holdings PLC ADR
JPM
JPMorgan Chase & Co
JPM
JPMorgan Chase & Co
Sources and Disclaimers
Data Sources:
- Company filings
- Market research reports
- Analyst estimates
- Public financial data providers
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Investment decisions should be made based on individual circumstances and after consultation with a qualified 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 199958 | Website https://www.santander.com |
Full time employees 199958 | 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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