Banco Santander S.A. - ADR
SAN
Market Cap$112.01B
Close$
Earnings Call Q1 2025
April 30, 2025 - AI Summary
Strong Q1 2025 Performance: Santander reported a record profit of €3.4 billion for Q1 2025, marking a 19% increase from Q1 2024. All business segments exhibited growth, underscoring the strength of the group's diversified business model.
Net Interest Income (NII) Outlook: The bank anticipates stable NII even with lower interest rate expectations, projecting a slight increase in constant euros year-on-year. Guidance remains at a normalized end rate of around 1.5% by the end of 2025, with retail NII expected to be resilient despite potential declines in net interest margin (NIM).
Cost Efficiency and Transformation: Santander is committed to reducing costs in current euros for 2025, with Q1 expenses growing below revenue and inflation rates. The efficiency ratio improved to 14.8%, demonstrating effective management and operational leverage, which is key to maintaining profitability in a challenging environment.
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$-0.65
108.5% downside
Current Fair Value
108.5% downsideOvervalued by 108.5% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $112.01 Billion |
|---|---|
| Enterprise Value | $141.48 Billion |
| Dividend Yield | $0.25 (2.5567413197054%) |
| Earnings per Share | $0.77 |
| Beta | 1.26 |
| Outstanding Shares | 16,372,417,151 |
Return
| Return on Equity | - |
|---|---|
| Return on Assets | - |
| Return on Invested Capital | - |
Valuation & Multiples
| P/E Ratio | 7.86 |
|---|---|
| PEG | 40.74 |
| Price to Sales | 1.89 |
| Price to Book Ratio | 1.26 |
| Enterprise Value to Revenue | 1.76 |
| Enterprise Value to EBIT | -67.15 |
| Enterprise Value to Net Income | 10 |
| Total Debt to Enterprise | 2.28 |
| Debt to Equity | 3.18 |
Revenue Sources
No data
Insider Trades
ESG Score
No data