` Comparison: 48CA, SAN - Alpha Spread

48CA
vs
SAN

Over the past 12 months, 48CA has underperformed SAN, delivering a return of +85% compared to the SAN's +123% growth.

Valuation Growth Profitability Solvency Stocks Performance
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48CA
SAN
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Stocks Compared:
48CA SAN
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Valuation Comparison

48CA Intrinsic Value
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SAN Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
Caixabank SA
SWB:48CA
10.335 EUR
Banco Santander SA
MAD:SAN
10.194 EUR
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Valuation Scenario:
Bear Case
Base Case
Bull Case

Growth Comparison

Growth Over Time
48CA, SAN

48CA
SAN
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
Caixabank SA
Revenue
Banco Santander SA
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
48CA, SAN

48CA
SAN
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
Caixabank SA
SWB:48CA
FCF is not applicable for financial companies
Banco Santander SA
MAD:SAN
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

48CA
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

Operating Margin

48CA
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

Net Margin

48CA
29.5%
SAN
19.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Banco Santander SA

FCF Margin

48CA
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

ROE

48CA
21.3%
SAN
13.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Banco Santander SA

ROA

48CA
1.2%
SAN
0.8%
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Banco Santander SA

ROIC

48CA
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

ROCE

48CA
SAN
LTM 3Y Avg 5Y Avg 10Y Avg
Caixabank SA
Not applicable for financial companies
Banco Santander SA
Not applicable for financial companies

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
48CA, SAN

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48CA
SAN
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
48CA, SAN

Performance Gap Between 48CA and SAN
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Performance By Year
48CA, SAN

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48CA
SAN
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