Banco Santander SA
DUS:BSD2
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B
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Banco Santander SA
DUS:BSD2
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ES |
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TSX:X
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CA |
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DE |
Intrinsic Value
The intrinsic value of 
Banco Santander SA (BSD2) under the Base Case is 9.612 EUR per share.
Compared with the current market price of 10.002 EUR, the stock appears
Overvalued by 4% .
The intrinsic value is calculated using the DCF method.
Do our valuations actually work? See backtest results .
Cheap or expensive for this stock?
This block shows whether today’s valuation is cheap or expensive compared with the stock’s own history, and what happened after similar valuations in the past.
We compare the gap between the stock’s price and our estimated value over time.
- Undervalued can still be historically expensive. The stock may trade below our estimated value, but usually offer an even bigger discount.
- Overvalued can still be historically cheap. The stock may trade above our estimated value, but usually carry an even higher premium.
Market expectations can differ from our model, which may not fully capture everything affecting the price. That is why some stocks regularly trade above our estimated value and others below it.
The scale and chart show how today’s valuation compares with the past. The cards summarize past returns and waiting times until the stock stopped being cheap or expensive. This can happen because the price changed, our estimated value changed, or both.
Only completed periods are included. These are past results, not forecasts. The usual historical range does not necessarily mean fair value.
Fundamental Analysis
What Banco Santander Does
Banco Santander is a large bank that takes deposits, makes loans, and handles payments for people and businesses. It serves retail customers, small and medium-sized companies, and larger corporate and institutional clients through branches, digital channels, and specialist banking teams. Its main products include current accounts, mortgages, consumer loans, business lending, credit cards, and everyday banking services.
- Headquarters
- Spain ES
- Employees
- 186 370
- IPO date
- Jan 22, 1990
Banco Santander has no economic moat
Customers can choose similar banking services from established banks and digital rivals, leaving Santander competing on rates, fees and service. Its global reach and familiar name do not create a clear, lasting barrier that prevents competitors from winning business.
Read the full moat analysis
The intrinsic value for Banco Santander SA (BSD2) under the Base Case is 9.612 EUR.
Compared with the current market price of 10.002 EUR, the stock appears Overvalued by 4% .