GROWTH
Top line accelerating.
+4.7% YoY versus +0.0% prior. 3y CAGR +14.8%.
+4.7%
Banco Santander, S.A. SAN
Financial Services · Market Cap: $188.9B
$13.50▲ 0.17 (1.28%)
Fundamentals as of 2025-12-31
We use cookies
MainRatios uses cookies for essential site functions. With your consent, we also use analytics cookies including session replay sampling (PostHog, Google Analytics) and advertising cookies (Google AdSense). You can reject non-essential cookies, including the "sale" or sharing of personal information under CCPA, and you may withdraw consent at any time (GDPR). See our Privacy Policy for details.
Financial Services · Market Cap: $188.9B
Fundamentals as of 2025-12-31
All analysis on this page is for educational purposes only and does not constitute financial advice. Fair values are model-based estimates. Always do your own research.
1 of 2 legendary models say BUY SAN — but Warren Buffett disagrees.
What would legendary investors pay for SAN?
These figures are not quotes or opinions from Buffett, Graham, Lynch or the other investors. They are our own estimates, computed by applying the intrinsic-value formulas each investor is known for to this company’s financials.
For educational purposes only. Not a recommendation to buy or sell securities.
The Question
Bottom line: SAN splits the legendary models — 1 BUY, 0 HOLD, 1 AVOID, but earns a C sector grade (55/100) in Financial Services. Whether the premium is justified depends on which lens you trust. Drill into the valuation breakdown and sector ranking for the full picture.
Concerns — Banco Santander, S.A.'s 13.7% ROE is below sector median.
Financial story
Concerns — Banco Santander, S.A.'s 13.7% ROE and 17.01 debt-to-equity warrant a closer look at the underlying business.
How does SAN compare?
Average fair value across qualifying models: $15. See the per-investor fair-value table in the valuation tab.
SAN trades at 11.0x earnings. Sector context and per-investor signals are in the valuation tab.
SAN and MUFG differ on P/E, ROE, and revenue growth. See the full SAN vs MUFG compare matrix.
Buffett and Lynch evaluate SAN against their respective frameworks. Per-model fair value and reasoning are in the valuation tab.
SAN's P/E ratio is 11.0x. 5-year P/E history is in the financials tab.
1 of 2 legendary models say BUY. Full breakdown by investor and signal is in the valuation tab.
See exactly where SAN ranks
Sign in to unlock the full sector ranking — free.
Sign in to see the rankingSAN sits at #44 in Financial Services with a C grade (55/100).
