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Banco Santander, S.A. Quality Score

SAN.XMAD

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Quality87

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

Earnings Multiple
100/100
9.8x

Under 20x, reasonable relative to earnings

Price / Book
90/100
1.44x

1.4x book, reasonable for a financial

Revenue Growth
50/100
2.6%

2–5% CAGR, growing but slowly

Book Value Growth
100/100
8.7%

Above 8% book-value compounding, strong

Business Quality & Capital Allocation

Share Dilution
100/100
-10.1%

Shrinking >2%, active buybacks

Return on Equity
100/100
15.5%

Above 15%, strong return on equity

Capital Adequacy
60/100
6.0%

6.0% equity/assets, adequate

Margin Trend
100/100
+9.2pp

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.

How the market compares: US profitability statistics

Peers

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Held by ETFs

SAN.XMAD is in 138 US ETFs. The largest of them, with SAN.XMAD's weight in each:

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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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