Santander UK (SANB) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: 5.97%
• Average Volume (3M): 10.29K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.08
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: UK
• Employees: 18,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 125,000,000
• 10 Day Avg. Volume: 12,638
• 30 Day Avg. Volume: 10,294
• PEG Ratio: -0.76
• Price to Book (P/B): 1.66
• Price to Sales (P/S): 1.78
• P/FCF Ratio: -5.91
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £152.00
• Price Target Upside: 5.19% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 60 Neutral
• Price Target: 152.00p ▲(5.19% Upside)

Santander UK's overall stock score is primarily influenced by financial performance challenges, including declining profitability and cash flow issues. The technical analysis suggests a lack of momentum, while the attractive dividend yield supports the valuation score. The absence of earnings call data and corporate events limits additional insights.

Santander UK Business Overview & Revenue Model

Company Description

Santander UK plc, together with its subsidiaries, provides a range of banking and financial products and services in the United Kingdom. It operates through Retail Banking, Consumer Finance, Corporate & Commercial Banking, and Corporate Centre segments. The Retail Banking segment offers prime U.K. mortgage lending to owner-occupiers and buy-to-let landlords with small portfolios; and banking services and unsecured lending to individuals and small businesses, as well as wealth management for high-net-worth clients. The Consumer Finance segment provides prime auto consumer financing for individuals, businesses, and automotive distribution networks. The Corporate & Commercial Banking offers banking products and services to SMEs, mid-sized and larger corporates, and local authorities and housing associations. The Corporate Centre provides treasury services for asset and liability management of its balance sheet, as well as management of non-core and legacy portfolios. The company operates 450 branches. It delivers products through its omnichannel presence comprising branches, ATMs, telephony, and digital and intermediary channels. The company was incorporated in 1988 and is based in London, the United Kingdom. Santander UK plc is a subsidiary of Banco Santander SA.

How the Company Makes Money

Santander UK generates revenue primarily through interest income from loans, mortgages, and credit products, as well as fees and commissions from various banking services. The bank earns a significant portion of its revenue by lending to consumers and businesses at rates higher than the interest it pays on deposits. Additionally, it generates income from transaction fees related to credit cards, as well as account maintenance and overdraft fees. Partnerships with fintech companies and other financial institutions enhance its service offerings and expand its customer base, contributing to its overall earnings. The bank also invests in wealth management services, which provide additional revenue streams through management fees and financial advisory services.

Santander UK Financial Statement Overview

Summary

Santander UK faces challenges with declining profitability and cash flow issues in 2024. The balance sheet shows some stability through equity, but increased leverage could pose risks. Addressing revenue and cash flow declines will be critical for strengthening financial health.

Income Statement

Santander UK has experienced fluctuating revenue growth with a decline in 2024 compared to 2023. The net profit margin decreased from 30.25% in 2023 to 20.85% in 2024, indicating reduced profitability. The absence of EBIT and EBITDA margins limits the analysis of operational efficiency.

Balance Sheet

The company's debt-to-equity ratio increased from 2.50 in 2023 to 2.78 in 2024, suggesting higher financial leverage. The equity ratio decreased slightly, indicating a small decline in financial stability. Return on equity decreased from 10.53% to 7.05%, reflecting reduced efficiency in generating profits from equity.

Cash Flow

Negative operating and free cash flows in 2024 indicate potential liquidity issues, with operating cash flow to net income and free cash flow to net income ratios being negative. The decline in free cash flow compared to 2023 suggests deteriorating cash generation capabilities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	16.78B	12.78B	12.05B	7.24B	5.24B	3.85B
Gross Profit	-11.86B	4.59B	4.89B	4.64B	4.66B	3.98B
EBITDA	-1.03B	1.65B	2.39B	2.17B	2.35B	0.00
Net Income	3.64B	971.00M	1.54B	1.39B	1.36B	452.00M
Balance Sheet
Total Assets	275.45B	259.94B	275.45B	285.21B	287.10B	292.33B
Cash, Cash Equivalents and Short-Term Investments	46.70B	38.92B	46.70B	50.21B	53.97B	50.18B
Total Debt	36.54B	38.25B	36.54B	34.12B	28.10B	38.93B
Total Liabilities	260.82B	246.17B	260.82B	270.81B	271.00B	276.40B
Stockholders Equity	14.62B	13.77B	14.62B	14.41B	16.10B	15.77B
Cash Flow
Free Cash Flow	0.00	-3.86B	-1.52B	-3.47B	10.23B	18.86B
Operating Cash Flow	0.00	-3.33B	-1.13B	-2.97B	10.85B	19.24B
Investing Cash Flow	0.00	-4.54B	-2.75B	-198.00M	3.08B	6.64B
Financing Cash Flow	0.00	285.00M	19.00M	277.00M	-10.75B	-8.15B

Santander UK Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 144.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SANB, the sentiment is Neutral. The current price of 144.5 is below the 20-day moving average (MA) of 144.63, below the 50-day MA of 144.62, and above the 200-day MA of 137.25, indicating a neutral trend. The MACD of -0.01 indicates Positive momentum. The RSI at 40.18 is Neutral, neither overbought nor oversold. The STOCH value of 49.35 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:SANB.

Santander UK Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HSBA	82 Outperform	178.28B	13.27	12.96%	4.89%	-6.07%	-16.24%
BARC	81 Outperform	53.64B	9.07	8.78%	1.85%	13.03%	60.72%
LLOY	73 Outperform	48.55B	12.30	9.67%	4.06%	-1.72%	-8.62%
NWG	69 Neutral	41.20B	8.51	12.20%	4.88%	7.03%	25.89%
MTRO	68 Neutral	821.39M	7.75	0.00%	―	-29.12%	964.19%
SANB	60 Neutral		―		5.97%	―	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

Santander UK Corporate Events

Santander UK Publishes Supplementary Prospectus for €35 Billion Bond Programme

Santander UK has announced the publication of a supplementary prospectus for its €35 billion Global Covered Bond Programme, which has been approved by the UK Financial Conduct Authority. This development signifies the company’s ongoing efforts to maintain transparency and compliance with regulatory standards, potentially enhancing its market position and investor confidence.

Santander UK Releases Half-Year Financial Report for 2025

Santander UK Plc announced the submission of its half-year financial report for the six months ending 30 June 2025 to the National Storage Mechanism, making it available for public inspection. This move is part of the company’s compliance with regulatory requirements and reflects its commitment to transparency in financial reporting, potentially impacting investor relations and stakeholder confidence.

Santander UK Publishes Supplementary Prospectus for €35 Billion Bond Programme

Santander UK has announced the publication of a supplementary prospectus for its €35 billion Global Covered Bond Programme, which has been approved by the UK Financial Conduct Authority. This development is significant for the company’s funding strategy, potentially enhancing its market position and offering stakeholders additional insights into its financial operations.