Strong across all measured dimensions. No single area is pulling the score down meaningfully.
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.4x book, reasonable for a financial
2–5% CAGR, growing but slowly
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
Above 15%, strong return on equity
6.0% equity/assets, adequate
Net margin expanded 3+pp, strong improvement
Banco Santander (SAN.XMAD) quality: score, margins and returns
Banco Santander (SAN.XMAD) scores 87/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from company filings; this is analysis, not investment advice.
Frequently asked
Is Banco Santander (SAN.XMAD) a high-quality business?+
Banco Santander scores 87 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Banco Santander's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from SAN.XMAD's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Banco Santander scores well and where it falls behind.
How profitable is Banco Santander?+
Banco Santander runs a net margin of about 29.0%. Revenue has grown at roughly 5.5% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.
Peers
Banks - Diversified · Pick stocks to compare with SAN.XMAD
Held by ETFs
SAN.XMAD is in 138 US ETFs. The largest of them, with SAN.XMAD's weight in each:
Vanguard Total International Stock ETFVXUS0.45%of the fund
Vanguard FTSE Developed Markets ETFVEA0.62%of the fund
iShares Core MSCI EAFE ETFIEFA0.68%of the fund
Vanguard Total World Stock ETFVT0.17%of the fund
Vanguard FTSE All-World ex-US Index Fund ETF SharesVEU0.49%of the fund
iShares MSCI EAFE ETFEFA0.79%of the fund
Spot a number that looks wrong?
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Data sourced from company filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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