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SAN

Banco Santander, S.A.

Financial Services · $207.8B market cap

Verdict

Share price

$13.36

close of Oct 3, 2026

Fair value

$16.14

Sticker Price

Payback Price

$6.46

buy price

Undervalued

SAN is Undervalued: at $13.36 it trades 17% below its fair value of $16.14. Its buy price (Payback Price) is $6.46, 52% below today's price. Business quality is limited: none of the 5 key numbers clears the 10% bar.

How we valued it

Justified P/B (Financials). A bank or insurer. These are best valued on their book value and how much they earn on it.

Business quality

0 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth2.7% a year✗
Equity per share growth-1.6% a year✗
Sales growth2.1% a year✗
Free cash flow growth2.1% a year✗
Return on invested capital1.0%✗

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About Banco Santander, S.A.

Banco Santander, S.A. operates as a global financial institution, delivering a comprehensive suite of retail and commercial banking products and services. It caters to a diverse clientele, including individual consumers, small and medium-sized enterprises (SMEs), and major corporations across the world. The bank's extensive offerings encompass various deposit options, such as checking, savings, and fixed-term…

Banks - Diversified

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 3, 2026. How the Payback Price works