Banco Santander SA (BSDK) AI Stock Analysis
Banco Santander SA
(Frankfurt:BSDK)
No summary available
Banco Santander SA (BSDK) vs. iShares MSCI Germany ETF (EWG)
- Market Cap
- EUR 170.22B
- Dividend Yield
- 2.46%
- Average Volume (3M)
- 1,329
- Price to Earnings (P/E)
- 9.1
- Beta (1Y)
- 0.99
- Revenue Growth
- 14.61%
- EPS Growth
- 21.71%
- Country
- Germany
- Employees
- 186,151
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Diversified
Banco Santander SA Business Overview & Revenue Model
Company Description
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 enterp...
Banco Santander SA Earnings Call Summary
The call was strongly positive overall. Santander reported record profit, broad-based revenue growth, improving efficiency, resilient credit quality excluding Argentina, strong capital generation, and progress across its transformation and global businesses. The main challenges were Argentina-related provisions, elevated Brazilian credit risk and portfolio de-risking, Mexico's quarterly NII decline, integration and regulatory charges, and competitive deposit markets, but management maintained or raised its outlook and reaffirmed its 2028 targets.
Q3-2026 Updates
Positive Updates
Negative Updates
Company Guidance
Santander expects to exceed its guidance of more than EUR 14.1 billion profit in 2026, excluding M&A, with revenue growth keeping it on track to deliver its mid single-digit growth target; the group expects year-end CET1 at or above its 12.8% target and at the upper end of its 12%-13% CET1 operating range, with fourth-quarter supervisory charges roughly around 5 basis points and an operational risk charge around 8 basis points, while expecting to do better than 12.8% at year-end. Cost is expected to remain a source of positive operating leverage, with a lower cost base in 2026, and the group expects the cost-to-income ratio improvement of 2.8 percentage points to 42.6% to continue as the norm. Brazil cost of risk is expected at around 1.15% for 2026, improving towards 1.1% in 2027 and 2028, while the tax rate is expected to remain relatively low in Brazil for the coming quarters. Retail Spain deposit beta is expected to normalize towards 18%-19% in the fourth quarter, Spain NII is expected up mid-single digits or maybe a bit better than that in 2027, and Spain deposits are expected to show low to mid-single-digit growth next year. TSB’s Part VII is expected to finish over the first quarter of 2027, migration is expected towards the third quarter of 2027, and its 400 million cost synergy targets are expected to support around 16% RoTE for 2028; Webster puts the U.S. franchise on track to reach 18% post-integration, while Santander’s financial North Star is to deliver an RoTE above 20% by 2028.
Banco Santander SA Risk Analysis
Banco Santander SA disclosed 41 risk factors in its most recent earnings report. Banco Santander SA reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
3 New RisksBanco Santander SA Peers Comparison
Overall Rating
ING73Outperform
C66Neutral
BBVA65.1Neutral
HSBC65Neutral
BCS60Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| ING | 73Outperform | $87.97B | 12.02 | 13.48% | 4.84% | 11.88% | 22.51% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| C | 66Neutral | $205.72B | 11.75 | 9.15% | 2.07% | 4.73% | 44.35% |
| BBVA | 65Neutral | $129.28B | 10.32 | 20.16% | 4.79% | -1.67% | 19.50% |
| HSBC | 65Neutral | $292.94B | 11.04 | 14.16% | 4.38% | -1.12% | 62.58% |
| BCS | 60Neutral | $73.90B | 8.20 | 10.79% | 2.76% | 9.52% | 26.94% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| DE:BSDK | Banco Santander US | 9.80 | 1.25 | 14.67% | |
| BBVA | Banco Bilbao Viscaya Argentaria | 23.44 | 4.57 | 24.23% | |
| BCS | Barclays Plc | 22.30 | 1.26 | 5.97% | |
| C | Citigroup Inc | 122.64 | 22.54 | 22.52% | |
| HSBC | HSBC Holdings plc | 85.42 | 18.05 | 26.79% | |
| ING | Ing Groep N.V. | 31.46 | 7.24 | 29.89% |
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.