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Banco Santander S.A
Buy, Hold or Sell?

Let's analyse Banco Santander S.A together

PenkeI guess you are interested in Banco Santander S.A. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Banco Santander S.A. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Banco Santander S.A (30 sec.)










What can you expect buying and holding a share of Banco Santander S.A? (30 sec.)

How much money do you get?

How much money do you get?
ARS0.00
When do you have the money?
1 year
How often do you get paid?
71.4%

What is your share worth?

Current worth
ARS5,956.10
Expected worth in 1 year
ARS8,683.71
How sure are you?
85.7%

+ What do you gain per year?

Total Gains per Share
ARS2,727.61
Return On Investment
1,631.1%

For what price can you sell your share?

Current Price per Share
ARS167.23
Expected price per share
ARS167.23 - ARS167.15
How sure are you?
50%
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1. Valuation of Banco Santander S.A (5 min.)




Live pricePrice per Share (EOD)

ARS167.23

2. Growth of Banco Santander S.A (5 min.)




Is Banco Santander S.A growing?

Current yearPrevious yearGrowGrow %
How rich?$113.5b$106.2b$7.2b6.4%

How much money is Banco Santander S.A making?

Current yearPrevious yearGrowGrow %
Making money$12b$10.4b$1.6b13.3%
Net Profit Margin18.6%17.7%--

How much money comes from the company's main activities?

3. Financial Health of Banco Santander S.A (5 min.)




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What can you expect buying and holding a share of Banco Santander S.A? (5 min.)

Welcome investor! Banco Santander S.A's management wants to use your money to grow the business. In return you get a share of Banco Santander S.A.

What can you expect buying and holding a share of Banco Santander S.A?

First you should know what it really means to hold a share of Banco Santander S.A. And how you can make/lose money.

Speculation

The Price per Share of Banco Santander S.A is ARS167.23. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Banco Santander S.A.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Banco Santander S.A, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is ARS5,956.10. Based on the TTM, the Book Value Change Per Share is ARS681.90 per quarter. Based on the YOY, the Book Value Change Per Share is ARS111.34 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is ARS0.00 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Banco Santander S.A.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 ARS% of Price per ShareARS% of Price per ShareARS% of Price per ShareARS% of Price per ShareARS% of Price per Share
Usd Eps0.760.5%0.760.5%0.620.4%0.350.2%0.340.2%
Usd Book Value Change Per Share0.820.5%0.820.5%0.130.1%0.050.0%1.020.6%
Usd Dividend Per Share0.000.0%0.000.0%0.120.1%0.090.1%0.120.1%
Usd Total Gains Per Share0.820.5%0.820.5%0.250.2%0.140.1%1.140.7%
Usd Price Per Share0.20-0.20-0.20-0.20-0.31-
Price to Earnings Ratio0.26-0.26-0.32-0.22-0.14-
Price-to-Total Gains Ratio0.25-0.25-0.79-0.40-0.40-
Price to Book Ratio0.03-0.03-0.03-0.03-0.02-
Price-to-Total Gains Ratio0.25-0.25-0.79-0.40-0.40-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share0.20067504
Number of shares4983
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share0.000.09
Usd Book Value Change Per Share0.820.05
Usd Total Gains Per Share0.820.14
Gains per Quarter (4983 shares)4,077.50678.24
Gains per Year (4983 shares)16,309.992,712.94
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
10163101630017579562703
203262032610351419125416
304893048920527128678129
4065240652307029382310842
5081550815408786477913555
60978609785010543573516268
7011417011416012300669118981
8013048013047014057764621694
9014679014678015814860224407
10016310016309017572955827120

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share1.00.00.0100.0%3.00.00.0100.0%4.01.00.080.0%6.01.00.085.7%6.01.00.085.7%
Book Value Change Per Share1.00.00.0100.0%3.00.00.0100.0%4.01.00.080.0%5.02.00.071.4%5.02.00.071.4%
Dividend per Share0.00.01.00.0%2.00.01.066.7%3.00.02.060.0%5.00.02.071.4%5.00.02.071.4%
Total Gains per Share1.00.00.0100.0%3.00.00.0100.0%4.01.00.080.0%6.01.00.085.7%6.01.00.085.7%
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Fundamentals of Banco Santander S.A

About Banco Santander S.A

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is less efficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is cheap.
Based on the earnings, the company is cheap.
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1.1. Profitability of Banco Santander S.A.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Banco Santander S.A earns for each $1 of revenue.

  • Above 10% is considered healthy but always compare Banco Santander S.A to the  industry mean.
  • A Net Profit Margin of 18.6% means that $0.19 for each $1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Banco Santander S.A:

  • The MRQ is 18.6%. The company is making a huge profit. +2
  • The TTM is 18.6%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ18.6%TTM18.6%0.0%
TTM18.6%YOY17.7%+0.9%
TTM18.6%5Y9.8%+8.8%
5Y9.8%10Y11.5%-1.8%
1.1.2. Return on Assets

Shows how efficient Banco Santander S.A is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Banco Santander S.A to the  industry mean.
  • 0.6% Return on Assets means that Banco Santander S.A generated $0.01 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Banco Santander S.A:

  • The MRQ is 0.6%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.6%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.6%TTM0.6%0.0%
TTM0.6%YOY0.6%+0.1%
TTM0.6%5Y0.3%+0.3%
5Y0.3%10Y0.4%-0.1%
1.1.3. Return on Equity

Shows how efficient Banco Santander S.A is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Banco Santander S.A to the  industry mean.
  • 11.6% Return on Equity means Banco Santander S.A generated $0.12 for each $1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Banco Santander S.A:

  • The MRQ is 11.6%. Using its investors money, the company is less efficient in making profit.
  • The TTM is 11.6%. Using its investors money, the company is less efficient in making profit.
Trends
Current periodCompared to+/- 
MRQ11.6%TTM11.6%0.0%
TTM11.6%YOY10.8%+0.8%
TTM11.6%5Y5.5%+6.1%
5Y5.5%10Y6.2%-0.7%
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1.2. Operating Efficiency of Banco Santander S.A.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Banco Santander S.A is operating .

  • Measures how much profit Banco Santander S.A makes for each $1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Banco Santander S.A to the  industry mean.
  • An Operating Margin of 0.0% means the company generated $0.00  for each $1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Banco Santander S.A:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
1.2.2. Operating Ratio

Measures how efficient Banco Santander S.A is keeping operating costs low.

  • Below 1 is considered healthy (always compare to  industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are $0.00 for each $1 in net sales.

Let's take a look of the Operating Ratio trends of Banco Santander S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
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1.3. Liquidity of Banco Santander S.A.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Banco Santander S.A is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to  industry mean).
  • A Current Ratio of 0.00 means the company has $0.00 in assets for each $1 in short-term debts.

Let's take a look of the Current Ratio trends of Banco Santander S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
1.3.2. Quick Ratio

Measures if Banco Santander S.A is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Banco Santander S.A to the  industry mean.
  • A Quick Ratio of 0.00 means the company can pay off $0.00 for each $1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Banco Santander S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y-0.000
5Y-10Y-0.000
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1.4. Solvency of Banco Santander S.A.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Banco Santander S.A assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Banco Santander S.A to industry mean.
  • A Debt to Asset Ratio of 0.94 means that Banco Santander S.A assets are financed with 94.2% credit (debt) and the remaining percentage (100% - 94.2%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Banco Santander S.A:

  • The MRQ is 0.942. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.942. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.942TTM0.9420.000
TTM0.942YOY0.944-0.002
TTM0.9425Y0.938+0.004
5Y0.93810Y0.933+0.005
1.4.2. Debt to Equity Ratio

Measures if Banco Santander S.A is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Banco Santander S.A to the  industry mean.
  • A Debt to Equity ratio of 1,774.0% means that company has $17.74 debt for each $1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Banco Santander S.A:

  • The MRQ is 17.740. The company is unable to pay all its debts with equity. -1
  • The TTM is 17.740. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ17.740TTM17.7400.000
TTM17.740YOY18.373-0.632
TTM17.7405Y16.971+0.769
5Y16.97110Y15.827+1.144
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2. Market Valuation of Banco Santander S.A

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every $1 in earnings Banco Santander S.A generates.

  • Above 15 is considered overpriced but always compare Banco Santander S.A to the  industry mean.
  • A PE ratio of 0.26 means the investor is paying $0.26 for every $1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Banco Santander S.A:

  • The EOD is 0.264. Based on the earnings, the company is cheap. +2
  • The MRQ is 0.264. Based on the earnings, the company is cheap. +2
  • The TTM is 0.264. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.264MRQ0.2640.000
MRQ0.264TTM0.2640.000
TTM0.264YOY0.322-0.058
TTM0.2645Y0.224+0.040
5Y0.22410Y0.140+0.084
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Banco Santander S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.183-0.183
TTM-5Y0.000+0.000
5Y0.00010Y0.0000.000
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2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Banco Santander S.A is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to industry mean).
  • A PB ratio of 0.03 means the investor is paying $0.03 for each $1 in book value.

Let's take a look of the Price to Book Ratio trends of Banco Santander S.A:

  • The EOD is 0.028. Based on the equity, the company is cheap. +2
  • The MRQ is 0.028. Based on the equity, the company is cheap. +2
  • The TTM is 0.028. Based on the equity, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD0.028MRQ0.0280.000
MRQ0.028TTM0.0280.000
TTM0.028YOY0.032-0.004
TTM0.0285Y0.031-0.003
5Y0.03110Y0.020+0.012
2. Total Gains per Share
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3. Summary

3.1. Key Performance Indicators

The key performance indicators of Banco Santander S.A compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share--681.901681.9010%111.340+512%39.960+1606%850.872-20%
Book Value Per Share--5956.1035956.1030%5274.201+13%5395.320+10%4811.771+24%
Current Ratio----0%-0%-0%-0%
Debt To Asset Ratio--0.9420.9420%0.9440%0.938+0%0.933+1%
Debt To Equity Ratio--17.74017.7400%18.373-3%16.971+5%15.827+12%
Dividend Per Share----0%99.879-100%73.465-100%96.888-100%
Eps--632.858632.8580%519.124+22%293.096+116%280.146+126%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Market Cap--2656603071200.0002656603071200.0000%2808514341371.053-5%2847613172543.789-7%1779758232839.868+49%
Net Profit Margin--0.1860.1860%0.177+5%0.098+91%0.115+61%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%-0%-0%
Pb Ratio0.0280%0.0280.0280%0.032-11%0.031-11%0.020+43%
Pe Ratio0.2640%0.2640.2640%0.322-18%0.224+18%0.140+89%
Price Per Share167.2290%167.229167.2290%167.2290%168.683-1%259.900-36%
Price To Free Cash Flow Ratio----0%0.183-100%0.0000%0.0000%
Price To Total Gains Ratio0.2450%0.2450.2450%0.792-69%0.397-38%0.397-38%
Quick Ratio----0%-0%-0%-0%
Return On Assets--0.0060.0060%0.006+11%0.003+102%0.004+65%
Return On Equity--0.1160.1160%0.108+8%0.055+111%0.062+88%
Total Gains Per Share--681.901681.9010%211.219+223%113.425+501%947.760-28%
Usd Book Value--113542378563.960113542378563.9600%106292466612.600+7%109110303484.320+4%111340092547.335+2%
Usd Book Value Change Per Share--0.8180.8180%0.134+512%0.048+1606%1.021-20%
Usd Book Value Per Share--7.1477.1470%6.329+13%6.474+10%5.774+24%
Usd Dividend Per Share----0%0.120-100%0.088-100%0.116-100%
Usd Eps--0.7590.7590%0.623+22%0.352+116%0.336+126%
Usd Free Cash Flow----0%18370945758.960-100%23752393323.096-100%19733708092.215-100%
Usd Market Cap--3187923685.4403187923685.4400%3370217209.645-5%3417135807.053-7%2135709879.408+49%
Usd Price Per Share0.2010%0.2010.2010%0.2010%0.202-1%0.312-36%
Usd Profit--12064306606.56012064306606.5600%10462049923.800+15%5783591117.688+109%6424003637.490+88%
Usd Revenue--64910457169.08064910457169.0800%59048223677.160+10%55361399462.472+17%54140563740.885+20%
Usd Total Gains Per Share--0.8180.8180%0.253+223%0.136+501%1.137-28%
 EOD+0 -0MRQTTM+0 -0YOY+19 -65Y+16 -1010Y+13 -13

3.2. Fundamental Score

Let's check the fundamental score of Banco Santander S.A based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-150.264
Price to Book Ratio (EOD)Between0-10.028
Net Profit Margin (MRQ)Greater than00.186
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.942
Debt to Equity Ratio (MRQ)Less than117.740
Return on Equity (MRQ)Greater than0.150.116
Return on Assets (MRQ)Greater than0.050.006
Total4/10 (40.0%)

3.3. Technical Score

Let's check the technical score of Banco Santander S.A based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than500.000
Ma 20Greater thanMa 50167.229
Ma 50Greater thanMa 100167.229
Ma 100Greater thanMa 200167.229
OpenGreater thanClose167.229
Total0/5 (0.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in EUR. All numbers in thousands.

Summary
Total Assets1,797,062,000
Total Liabilities1,692,821,000
Total Stockholder Equity95,423,000
 As reported
Total Liabilities 1,692,821,000
Total Stockholder Equity+ 95,423,000
Total Assets = 1,797,062,000

Assets

Total Assets1,797,062,000
Total Current Assets0
Long-term Assets0
Total Current Assets
Cash And Cash Equivalents 330,891,000
Short-term Investments 75,326,000
Total Current Assets  (as reported)0
Total Current Assets  (calculated)406,217,000
+/- 406,217,000
Long-term Assets
Property Plant Equipment 32,926,000
Goodwill 14,017,000
Long Term Investments 271,735,000
Intangible Assets 5,854,000
Long-term Assets  (as reported)0
Long-term Assets  (calculated)324,532,000
+/- 324,532,000

Liabilities & Shareholders' Equity

Total Current Liabilities0
Long-term Liabilities0
Total Stockholder Equity95,423,000
Total Current Liabilities
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)0
+/-0
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 85,190,000
Total Stockholder Equity (as reported)95,423,000
Total Stockholder Equity (calculated)85,190,000
+/- 10,233,000
Other
Capital Stock8,092,000
Common Stock Shares Outstanding 15,886,000
Net Invested Capital 404,002,000
Property Plant and Equipment Gross 32,926,000



Balance Sheet

Currency in EUR. All numbers in thousands.

 Trend2023-12-312022-12-312021-12-312020-12-312019-12-312018-12-312017-12-312016-12-31
> Total Assets 
1,339,125,000
1,444,305,000
1,459,271,000
1,522,695,000
1,508,250,000
1,595,835,000
1,734,659,000
1,797,062,000
1,797,062,0001,734,659,0001,595,835,0001,508,250,0001,522,695,0001,459,271,0001,444,305,0001,339,125,000
   > Total Current Assets 00000000
       Cash And Cash Equivalents 
76,454,000
110,995,000
113,663,000
101,067,000
173,022,000
234,805,000
247,227,000
330,891,000
330,891,000247,227,000234,805,000173,022,000101,067,000113,663,000110,995,00076,454,000
       Short-term Investments 
130,011,000
150,814,000
158,787,000
155,497,000
17,927,000
29,207,000
23,539,000
75,326,000
75,326,00023,539,00029,207,00017,927,000155,497,000158,787,000150,814,000130,011,000
   > Long-term Assets 00000000
       Property Plant Equipment 
0
0
0
34,262,000
31,772,000
32,342,000
33,044,000
32,926,000
32,926,00033,044,00032,342,00031,772,00034,262,000000
       Goodwill 
26,724,000
25,769,000
25,466,000
24,246,000
12,471,000
12,713,000
13,741,000
14,017,000
14,017,00013,741,00012,713,00012,471,00024,246,00025,466,00025,769,00026,724,000
       Long Term Investments 
329,111,000
330,729,000
327,444,000
339,093,000
199,808,000
192,950,000
217,049,000
271,735,000
271,735,000217,049,000192,950,000199,808,000339,093,000327,444,000330,729,000329,111,000
       Intangible Assets 
2,697,000
2,914,000
3,094,000
3,441,000
3,437,000
3,871,000
4,904,000
5,854,000
5,854,0004,904,0003,871,0003,437,0003,441,0003,094,0002,914,0002,697,000
> Total Liabilities 
1,236,426,000
1,337,472,000
1,351,910,000
1,412,036,000
1,416,928,000
1,498,782,000
1,637,074,000
1,692,821,000
1,692,821,0001,637,074,0001,498,782,0001,416,928,0001,412,036,0001,351,910,0001,337,472,0001,236,426,000
   > Total Current Liabilities 00000000
       Short Long Term Debt 
0
0
0
32,644,000
22,006,000
25,863,000
43,025,000
0
043,025,00025,863,00022,006,00032,644,000000
       Accounts payable 
1,410,000
1,849,000
1,586,000
1,688,000
1,998,000
2,400,000
3,025,000
0
03,025,0002,400,0001,998,0001,688,0001,586,0001,849,0001,410,000
   > Long-term Liabilities 00000000
> Total Stockholder Equity
90,938,000
94,489,000
96,472,000
100,071,000
81,476,000
86,930,000
89,104,000
95,423,000
95,423,00089,104,00086,930,00081,476,000100,071,00096,472,00094,489,00090,938,000
   Common Stock00000000
   Retained Earnings 
54,490,000
58,027,000
62,329,000
65,881,000
56,812,000
68,397,000
76,307,000
85,190,000
85,190,00076,307,00068,397,00056,812,00065,881,00062,329,00058,027,00054,490,000
   Capital Surplus 00000000
   Treasury Stock00000000
   Other Stockholders Equity 00000000



Balance Sheet

Currency in EUR. All numbers in thousands.




Cash Flow

Currency in EUR. All numbers in thousands.




Income Statement

Currency in EUR. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue59,593,000
Cost of Revenue-0
Gross Profit059,593,000
 
Operating Income (+$)
Gross Profit0
Operating Expense-0
Operating Income00
 
Operating Expense (+$)
Research Development0
Selling General Administrative22,241,000
Selling And Marketing Expenses0
Operating Expense022,241,000
 
Net Interest Income (+$)
Interest Income105,252,000
Interest Expense-61,991,000
Other Finance Cost-0
Net Interest Income43,261,000
 
Pretax Income (+$)
Operating Income0
Net Interest Income43,261,000
Other Non-Operating Income Expenses0
Income Before Tax (EBT)16,459,0000
EBIT - interestExpense = -61,991,000
11,076,000
73,067,000
Interest Expense61,991,000
Earnings Before Interest and Taxes (EBIT)078,450,000
Earnings Before Interest and Taxes (EBITDA)0
 
After tax Income (+$)
Income Before Tax16,459,000
Tax Provision-4,276,000
Net Income From Continuing Ops12,183,00012,183,000
Net Income11,076,000
Net Income Applicable To Common Shares0
 
Non-recurring Events
Discontinued Operations0
Extraordinary Items0
Effect of Accounting Charges0
Other Items0
Non Recurring0
Other Operating Expenses0
Total Other Income/Expenses Net0-43,261,000
 

Technical Analysis of Banco Santander S.A
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Banco Santander S.A. The general trend of Banco Santander S.A is BEARISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Banco Santander S.A's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (-100.0%) Bearish trend (100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Banco Santander S.A.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: 167.15 < 167.15 < 167.15.

The bearish price targets are: 167.23 > 167.23 > 167.23.

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Banco Santander S.A Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Banco Santander S.A. The current mas is .

The long score for the Moving Averages is 0/14.
The longshort score for the Moving Averages is -14/(-14 +14).

  • MA 20 trending down: The MA 20 is trending down. -1
  • Close < MA 20: The price is below the MA 20. -1
  • MA 20 < MA 50: The MA 20 is lower than the MA 50. -1
  • MA 20 < MA 100: The MA 20 is lower than the MA 100. -1
  • MA 20 < MA 200: The MA 20 is lower than the MA 200. -1
  • MA 50 trending down: The MA 50 is trending down. -1
  • Close < MA 50: The price is below the MA 50. -1
  • MA 50 < MA 100: The MA 50 is lower than the MA 100. -1
  • MA 50 < MA 200: The MA 50 is lower than the MA 200. -1
  • MA 100 trending down: The MA 100 is trending down. -1
  • Close < MA 100: The price is below the MA 100. -1
  • MA 100 < MA 200: The MA 100 is lower than the MA 200. -1
  • MA 200 trending down: The MA 200 is trending down. -1
  • Close < MA 200: The price is below the MA 200. -1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Banco Santander S.A Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Banco Santander S.A. The current macd is 0.

The long score for the Moving Average Convergence/Divergence (MACD) is 0/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is -4/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Banco Santander S.A price going down in the near term. -2
  • MACD < 0: The MACD is below the zero line (centerline), it indicates a bearish signal for Banco Santander S.A. This means that the short-term moving average is lower than the long-term moving average, signaling negative momentum and suggesting a higher likelihood of the Banco Santander S.A price continuing to fall in the near future. It indicates that sellers are gaining control, and there is negativism in the market, leading to potential price decreases. -1
  • Trending down: The MACD line is trending down. This indicates that the short-term moving average is falling faster than the long-term moving average, suggesting negative momentum in the market. This signals that sellers are becoming more active and insecure, leading to potential price decreases as traders anticipate further losses and are willing to sell at lower prices. -1
Banco Santander S.A Daily Moving Average Convergence/Divergence (MACD) ChartBanco Santander S.A Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Banco Santander S.A. The current adx is 0.

The long score for the Directional Movement Index (DMI) is 0/7.
The longshort score for the Directional Movement Index (DMI) is 0/(-7 +7).

  • PLUS_ID < MINUS_DI && ADX < 25 && ADX trending down: The ADX is below 25 and indicates a weak or no trend. Also, the ADX is declining so there is no trend indication.
Banco Santander S.A Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Banco Santander S.A. The current sar is 167.23.

Banco Santander S.A Daily Parabolic SAR Chart
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3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Banco Santander S.A. The current rsi is 0. The current phase is Oversold in bear market.

The long score for the Relative Strength Index (RSI) is 1/13.
The longshort score for the Relative Strength Index (RSI) is 1/(-13 +13).

  • Oversold in bear market: Short-term excessive selling, potential for relief rally. Be cautious, consider taking short-term long positions. +1
Banco Santander S.A Daily Relative Strength Index (RSI) ChartBanco Santander S.A Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Banco Santander S.A. The current phase is Oversold in bear market.

The long score for the Stochastic Oscillator is 0/6.
The longshort score for the Stochastic Oscillator is -6/(-6 +6).

  • STOCH < 50: The STOCH %K is below 50. There are more sellers than buyers. -1
  • STOCH < 20: The STOCH %K is below 20 and oversold. -2
  • STOCH %K line < STOCH %D line: The STOCH %K line is below the STOCH %D line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Banco Santander S.A price going down in the near term. -2
  • Trending down: The STOCH %K is trending down. -1
Banco Santander S.A Daily Stochastic Oscillator ChartBanco Santander S.A Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Banco Santander S.A. The current cci is 66.67.

Banco Santander S.A Daily Commodity Channel Index (CCI) ChartBanco Santander S.A Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Banco Santander S.A. The current cmo is 0.

Banco Santander S.A Daily Chande Momentum Oscillator (CMO) ChartBanco Santander S.A Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Banco Santander S.A. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Banco Santander S.A Daily Williams %R ChartBanco Santander S.A Daily Williams %R Chart
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4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Banco Santander S.A.

Banco Santander S.A Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Banco Santander S.A. The current atr is 0.

Banco Santander S.A Daily Average True Range (ATR) ChartBanco Santander S.A Daily Average True Range (ATR) Chart
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5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Banco Santander S.A. The current obv is 0.

Banco Santander S.A Daily On-Balance Volume (OBV) ChartBanco Santander S.A Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Banco Santander S.A. The current mfi is 0.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -2/(-2 +2).

  • MFI < 50: -1
  • MFI < 20: -1
Banco Santander S.A Daily Money Flow Index (MFI) ChartBanco Santander S.A Daily Money Flow Index (MFI) Chart
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6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Banco Santander S.A.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal

6.3. Candlestick Patterns

Banco Santander S.A Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Banco Santander S.A based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than500.000
Ma 20Greater thanMa 50167.229
Ma 50Greater thanMa 100167.229
Ma 100Greater thanMa 200167.229
OpenGreater thanClose167.229
Total0/5 (0.0%)
Penke

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