Banco Santander SA ADR (SAN) — Titan Protect Analysis

SAN

Banco Santander SA ADR

Financial · ·

$12.15

Data: 2026-06-03

✗ ETHICAL FAIL

NARROW MOAT

LIMITED

Data Confidence: 0.0%

Key Metrics

How this company measures up on the fundamentals that matter

Market Cap

$175.9B

Total market value of the company

Trailing P/E

11.86

Reasonably valued

Forward P/E

9.33

Based on estimated future earnings — lower means cheaper

Rev Growth

+4.6%

Year-over-year revenue change

Profit Margin

34.1%

How much profit the company keeps from each dollar of revenue

ROE

12.9%

Return on equity — how efficiently it uses shareholder money

Analyst Target

$12.87

+6% from current price — median analyst estimate

Recommendation

HOLD

Consensus view from 3 analysts covering this stock

About Banco Santander SA ADR

Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions;

https://www.santander.com

Country: Spain Employees: 186,370 Industry: Banks - Diversified

Ethical Screening

Five compliance checks based on AAOIFI standards — all must pass for ethical clearance

Business Activity

FAIL

Core business does not involve prohibited activities

Debt Ratio

0.0% PENDING

Debt must be below 33% of total assets

Cash Ratio

0.0% PENDING

Interest-bearing cash below 33% of assets

Receivables

0.0% PENDING

Receivables below 49% of assets

Revenue Purity

0.0% PENDING

Non-compliant revenue below 5% — any excess requires purification

Quantitative Intelligence

Statistical analysis of price behaviour, risk, and market regime — independent of fundamental data

Regime

MARKUP

Price trending up with increasing momentum

Sharpe Ratio

1.618

Excellent risk-adjusted returns

Kelly Fraction

0.0996

Suggested allocation is meaningful — the edge justifies a position

Calmar Ratio

3.037

Returns exceed worst-case losses — strong risk profile

Annual Return

61.6%

Historical annualised return based on price data

Max Drawdown

-20.3%

Largest peak-to-trough decline — the worst it has been

HMM State

SIDEWAYS

Price consolidating — no clear directional bias

Days in State

How long the current regime has persisted — longer means more stable

Market Data

Trading characteristics and market positioning

Beta

0.96

Less volatile than the market — more defensive

52W High

$13.24

8% below the year high

52W Low

$7.82

55% above the year low

Avg Volume

10,882,287

Average daily shares traded — higher means easier to buy and sell

Short Ratio

11.8

Days it would take all short sellers to cover — higher means more crowded

Short % Float

N/A

Div Yield

224.0%

Annual dividend as a percentage of the share price

EPS (TTM)

$1.03

Earnings per share over the last 12 months

Financial Health

Balance sheet strength and cash generation — the foundation of long-term value

Debt/Equity

N/A

Current Ratio

N/A

Quick Ratio

N/A

Like current ratio but excludes inventory — stricter test

Gross Margin

N/A

Revenue left after cost of goods — higher means pricing power

Operating Margin

43.3%

Profit from core operations before interest and tax

Free Cash Flow

N/A

Negative — the business is spending more than it generates

Revenue (TTM)

$47.4B

Total revenue over the last 12 months

Net Income

$12.5B

Profitable — the bottom line is positive

Analyst Coverage

Analysts

Target High

$14.30

Target Median

$12.87

Target Low

$9.30

Political Trading Activity

Congressional trading disclosures involving this instrument

Date	Politician	Party	Type	Amount
7 May2026	Josh Gottheimer	Democrat	buy	1K–15K
24 Apr2026	Scott Peters	Democrat	sell	50K–100K
22 Apr2026	Scott Peters	Democrat	sell	50K–100K

Source: Congressional disclosure filings. View all political trades at

Insider Intelligence

Explore the Ethical Screener View Track Record

Data sourced from public filings and market feeds. Not financial advice. Updated: 2026-06-03

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