Banco Santander S.A. Sponsored ADR (Spain) (SAN) carries a Roarable Rating of D (Sell) with 50/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.
As of 2026-11-02, Banco Santander S.A. Sponsored ADR (Spain) (NYSE: SAN) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $11.19 (-4.77% 1D, market cap $170.08B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 5/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, SAN ranks #661 in composite RQD confidence.
Within the Financials sector (Commercial Banks), SAN carries a Roarable D (50/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, SMFG (Sumitomo Mitsui Financial Group Inc Unsponsored American) holds a C- grade (59/100 RQD, P/E 32.8x, ROIC 9.9%, cap $157.38B) and TD (Toronto Dominion Bank) posts a C+ grade (66/100 RQD, P/E 32.8x, ROIC 9.9%, cap $207.77B). Among the 5-stock peer group, SAN leads on earnings multiple (32.8x) while SAN leads on capital efficiency (9.9% ROIC).
For Banco Santander S.A. Sponsored ADR (Spain) (SAN), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #661 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
SEC XBRL Trailing 12 Months: 15.8% FCF Margin ($3.76B FCF) & 52% Gross Margin
Macro rate sensitivity & RSI-14 (32.7) create a -15 pt regime headwind
While SAN currently carries a cautious 50/100 (D) rating due to Macro Regime Fit (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.
Clean SEC annual filing review with no major hidden accounting time-bombs.
Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($13.78) and Max Pain ($11.75) forces dealer call-delta covering toward $15.80.
Forensic Repair Trigger: Halting share dilution (Cannibal Buyback (-1.24% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.
Banco Santander S.A. Sponsored ADR (Spain) (SAN) dropped -4.77% to $11.19, trading at 24% of its 52-week range ($9.96 – $15.05). Stretched risk/reward at 33x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
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Record profit and 16% RoTE show progress toward 2028 targets amid integration gains.
Moby summary of Banco Santander, S.A.'s Q3 2026 earnings call
NEW YORK, October 29, 2026--Santander Bank, N.A. ("the Bank") celebrated the grand opening of its flagship Work Café at 437 Madison Avenue in Midtown Manhattan this week, part of the Bank's broader investment to deliver
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +1.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on SAN today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for SAN. Explore sector supply chains on /butterfly.
Across 1096 tracked Financials securities in the Roarable RQD universe, Banco Santander S.A. Sponsored ADR (Spain) (SAN) ranks #661 by composite RQD confidence (50/100, grade D) and #16 by equity capitalization ($170.08B). Within this direct 5-issuer industry benchmark cohort, SAN leads on earnings valuation at 32.8x trailing P/E, while SAN leads on capital efficiency and profitability with 9.9% ROIC and — gross margin. TD currently holds the highest overall quantitative score in the immediate peer group at 66/100 (C+) compared with SAN at 50/100 (D).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| SAN
ACTIVE
Banco Santander S.A. Sponsored ADR (Spain) | D | 50/100 | 32.8x | — | 9.9% | -4.77% | $170.08B | Benchmark Subject |
| SMFG Sumitomo Mitsui Financial Group Inc Unsponsored American | C- | 59/100 | 32.8x | — | 9.9% | -1.86% | $157.38B | /smfg-vs-san → |
| TD Toronto Dominion Bank | C+ | 66/100 | 32.8x | — | 9.9% | -2.14% | $207.77B | /td-vs-san → |
| BBVA Banco Bilbao Vizcaya Argentaria S.A. | D+ | 52/100 | 32.8x | — | 9.9% | -4.13% | $138.60B | /bbva-vs-san → |
| BMO Bank Of Montreal | C | 64/100 | 32.8x | — | 9.9% | -2.70% | $122.25B | /bmo-vs-san → |
Banco Santander S.A. Sponsored ADR (Spain) (SAN) operates in Commercial Banks (Financials) with an equity capitalization of $170.08B, trailing P/E of 32.8x, forward P/E of 30.5x, and EV/EBITDA of 21.0x. Operating profitability registers a gross margin of —, operating margin of 13.9%, net profit margin of 10.9%, ROIC of 9.9%, and free cash flow yield of 2.21%, alongside an Altman Z-Score of N/A and Piotroski F-Score of 7/9.
As of 2026-11-02, Banco Santander S.A. Sponsored ADR (Spain) (NYSE: SAN) is rated D (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 50/100 at a spot price of $11.19 (-4.77% 1D, market cap $170.08B). Pillar breakdown: Fundamental Cash Engine 12/20, Institutional 13F & Options Flow 6/20, Executive Insider Alignment 15/20, FRED Macro Regime Fit 5/20, and SEC Balance-Sheet Forensics 12/20. Across 1096 tracked Financials issuers, SAN ranks #661 in composite RQD confidence.
Within the Financials sector (Commercial Banks), SAN carries a Roarable D (50/100 RQD), trailing P/E of 32.8x, gross margin of —, and ROIC of 9.9%. By comparison, SMFG (Sumitomo Mitsui Financial Group Inc Unsponsored American) holds a C- grade (59/100 RQD, P/E 32.8x, ROIC 9.9%, cap $157.38B) and TD (Toronto Dominion Bank) posts a C+ grade (66/100 RQD, P/E 32.8x, ROIC 9.9%, cap $207.77B). Among the 5-stock peer group, SAN leads on earnings multiple (32.8x) while SAN leads on capital efficiency (9.9% ROIC).
For Banco Santander S.A. Sponsored ADR (Spain) (SAN), key quantitative strengths include Clean SEC annual filing review with no major hidden accounting time-bombs. and sector rank #661 in Financials, while primary risk factors center on Sensitive to high interest rates and tighter Federal Reserve market liquidity. and implied 5-year growth hurdle of 25.3%/yr. Institutional options positioning shows a 50% call / 50% put premium split.
SAN last traded at $11.19 (-4.77% on volume of 10,252,281 shares), positioning the stock -18.80% below its 50-day simple moving average ($13.78) and -13.52% below its 200-day simple moving average ($12.94). Across its 52-week range of $9.96 to $15.05, SAN sits at the 24.2% percentile with a 14-day RSI of 32.7 (NEUTRAL RANGE) and an implied next-earnings move of ±3.7% ($10.78 to $11.60).
Why SAN Stock dropped -4.77% Today — RQD Quant Desk Flash. Stretched risk/reward at 33x P/E (10% return on capital) under elevated 10-year interest-rate pressure.
Per the Roarable RQD rating, SAN carries an RQD Score of 50 and a letter grade of D, labeled "Roarable Sell — Underperform / Distribution Warning." The five pillars are:
Investor implications. The upside case rests on the balance-sheet pillar and on the modest cash-generation metrics, while the valuation tradeoff is steep. Per the market data, the P/E (TTM) is 32.8 and the forward P/E is 30.5, against an EPS (TTM) of 0.36, and the EV/EBITDA is 21. A prospective investor is therefore paying a premium multiple for earnings that the rating treats as only moderately efficient, and the weak macro-fit and flow pillars suggest limited external tailwinds. The grade reflects a distribution-warning posture, meaning the rating system sees more risk of underperformance than of upside at the current price.
Sector: Financials. Industry: Commercial Banks. Exchange: NYSE. Per the profile, Banco Santander S.A. Sponsored ADR (Spain) is a NYSE-listed issuer in Commercial Banks with a market capitalization of $170.1B. Not available in source data: product lines, customer segments, and revenue model detail.
Per the Butterfly Supply-Chain Graph, the sector is Financials, the industry is Commercial Banks, and the supply chain is listed as NONE. No butterfly links or proprietary signals are recorded. Not available in source data: upstream and downstream dependencies, sector correlations, and second-order bottlenecks.
Real-time company headlines, analyst actions, and sector developments for Banco Santander S.A. Sponsored ADR (Spain) (SAN) • Click "Debate This Headline" to argue it in the Roar Pit below
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DUBLIN, October 30, 2026--KBRA Europe (KBRA) assigns preliminary ratings to six classes of notes to be issued by Sierra Residential DAC, a static RMBS securitisation collateralised by predominantly first-lien, reperformi
European bank M&A has seen a resurgence in recent years, and 2027 should stay busy. Read more here.
Brazil’s surging interest bill and widening fiscal deficit have pushed borrowing costs higher and put local assets under a harsher spotlight. That pressure can punish weaker balance sheets, yet it can also reward busines
Banco Santander walked into its Q3 2026 release with the stock under pressure, down double digits over the past month and quarter, and trading near €10.51 at last close. Then came a set of results built around one clear
Record profit and 16% RoTE show progress toward 2028 targets amid integration gains.
Welcome to the SAN (Banco Santander S.A. Sponsored ADR (Spain)) Roar Pit. Current RQD Composite is 50/100 (Roarable Sell — Underperform / Distribution Warning) in Commercial Banks. Bulls point to operating leverage and sector positioning, while bears focus on valuation multiple compression (32.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on SAN, but look at what you are paying: 32.8x trailing P/E with tightening sector spreads. Unless Banco Santander S.A. Sponsored ADR (Spain) expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on SAN, the market is fixating on short-term headline noise in Commercial Banks and ignoring the balance sheet and cash flow trajectory. At $11.75 (52-wk range $9.96 - $15.05), any beat on forward guidance forces shorts and underweight funds to chase.
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