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Banco Santander, S.A. Sponsored (SAN) Stock Analysis

Range Bound setup

HoldModerate Confidence

Financial Services · Banks - Diversified

Hold if already holding. Not a fresh buy at $11.86, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.9).

Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate... Read more

$11.86+4.2% A.UpsideScore 5.4/10#15 of 19 Banks - Diversified
QualityF-score4 / 9FCF yield
IncomeYield2.37%(5y avg 3.11%)Payout25.25%sustainable
Stop $11.28Target $12.36(resistance)A.R:R -2.9:1
Analyst target$11.92+0.5%3 analysts
$12.36our TP
$11.86price
$11.92mean
$9
$14

Hold if already holding. Not a fresh buy at $11.86, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.9). Chart setup: RSI 48 mid-range, Bollinger mid-band. Mixed signals. Hold existing position. Score 5.4/10, moderate confidence.

Passes 6/8 gates (clean insider activity, no SEC red flags, news events none recent, earnings proximity 64d clear, semi cycle peak clear, materials cycle peak clear). Fails on weak momentum and favorable risk/reward ratio. Suitability: moderate.

Recent Developments — Banco Santander, S.A. Sponsored

Generated 2026-05-20T20:21:21Z.

Thesis

Rewards
Sector modifier (Financial Services): +1.0
Risks
Analyst target reached - limited upside remaining
V7 low-quality RISK_OFF penalty: -0.5 (Q=4.9)
Negative momentum

Key Metrics

P/E (TTM)11.3
P/E (Fwd)9.4
Mkt Cap$169.1B
EV/EBITDA
Profit Mgn34.1%
ROE12.9%
Rev Growth4.6%
Beta0.95
Dividend2.37%
Rating analysts29

Quality Signals

Piotroski F4/9

Options Flow

P/C1.00neutral
IV46%normal

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers

No near-term catalyst priced in. Thesis progression will come from fundamentals grinding, not event reaction.static

Earnings History
0.0
Surprise Avg
2.4
Erm
5.0
Earnings Timing
5.0
Dividend Safety
5.2
Dividend: 237.0%

Momentum below the gate floor. Component breakdown shows what dragged the score down.static

Obv
1.0
Volume
2.9
Macd
3.0
Rsi
5.5
Ma Position
6.0
Volume distribution (falling OBV)Above 200-day MA
GatesMomentum 3.7<4.5A.R:R -2.9=NEGATIVEInsider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTEARNINGS PROXIMITY 64d clearSEMI CYCLE PEAK CLEARMATERIALS CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
48 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $11.51Resistance $12.61

Price Targets

$11
$12
A.Upside+4.2%
A.R:R-2.9:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeRisk-Off

Risk Alerts

! Target reached (-14.5% upside)
! Momentum score 3.7/10 — below 4.5 minimum
! Negative risk/reward — downside exceeds upside

Earnings

M
M
M
M
0/4 beats
Next Earnings2026-07-22 (64d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SAN stock a buy right now?

Hold if already holding. Not a fresh buy at $11.86, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.9). Chart setup: RSI 48 mid-range, Bollinger mid-band. Mixed signals. Hold existing position. Target $12.36 (+4.2%), stop $11.28 (−5.1%), A.R:R -2.9:1. Score 5.4/10, moderate confidence.

What is the SAN stock price target?

Take-profit target: $12.36 (+4.2% upside). Target $12.36 (+4.2%), stop $11.28 (−5.1%), A.R:R -2.9:1. Stop-loss: $11.28.

What are the risks of investing in SAN?

Analyst target reached - limited upside remaining; V7 low-quality RISK_OFF penalty: -0.5 (Q=4.9); Negative momentum.

Is SAN overvalued or undervalued?

Banco Santander, S.A. Sponsored trades at a P/E of 11.3 (forward 9.4). TrendMatrix value score: 6.6/10. Verdict: Hold.

What do analysts say about SAN?

29 analysts cover SAN with a consensus score of 3.9/5. Average price target: $12.

What does Banco Santander, S.A. Sponsored do?Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized...

Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; corporate and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. The company was incorporated in 1856 and is headquartered in Madrid, Spain.

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