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Intrinsic Value

Is SAN undervalued or overvalued?

See the intrinsic value estimate for Banco Santander SA and find out whether today’s valuation is cheap or expensive by its own historical standards.

Do our valuations actually work? See backtest results .

SAN Intrinsic Value
LOCKED
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Today vs. history

SAN looks overvalued.
But is it expensive by its own standards?

See how today’s valuation compares with SAN’s past valuations and how the stock performed after similar periods.

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Current Price €11.51
Intrinsic Value Locked
Margin of Safety 20% Locked
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Fundamental Analysis

What Banco Santander Does

Banking Financials

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
Read the full company overview
View Company Overview

Banco Santander has no economic moat

No Moat Narrow Wide

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.

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Financials
Efficiency

Wall St Price Targets

Capital Returns

Buyback Yield
LOCKED

Competitive Landscape

What is the Intrinsic Value of one SAN stock?

The intrinsic value for Banco Santander SA (SAN) under the Base Case is hidden EUR.

Is SAN stock undervalued or overvalued?

Compared with the current market price of 11.51 EUR, the stock appears hidden.

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