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SAN

Banco SantanderC
NYSE / Banks
Last Price
Quote time unavailable
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Current thesis
Higher-for-longer rates, contained credit costs and disciplined buybacks push the ADR toward the analyst high as NII and payout outlook improve.
Posture
Mixed
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-09-09.
What can break
ECB/BoE policy shock compressing NIM
Momentum
70
Value
54
Sentiment
52
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $12.81 · Bull $14.87 · Bear $9.83Analysis 2026-02-03; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-03 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $15.56
Why
Momentum70 · Δ7d -0.4
Value54 · Δ7d -0.0
Sentiment52 · Δ7d +1.5
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-09-09.
  • • Sentiment remains the lead driver in the composite, 7D delta +1.5.

Contradictions & invalidation

  • • ECB/BoE policy shock compressing NIM
  • • Higher-than-expected credit losses in Spain/LatAm
  • • Euro-area slowdown or elevated provisions in LatAm compress NII and raise provisions, driving the stock toward the analyst low as multiples re-rate.

Catalyst clock

2026-02-04

FY2025 earnings release

Lead driver: Sentiment · See AI snapshot
Momentum
70
9% active weight
Current posture
7d trendFlat
Δ7d
-0.4
Δ21d
-1.1
Value
54
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-0.0
Sentiment
52
62% active weight
Current posture
7d trendImproving
Δ7d
+1.5
Δ21d
-2.6
Why this grade

Composite grade C. Momentum 70.3 / Value 54.1 / Sentiment 52.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-02-03. Scenario method

B+
Bull case
20%
Probability
Target price
$14.87
Analysis reference price unavailable
Analysis 2026-02-03 · RankAlpha Sentiment AI
Most likely
B
Base case
60%
Probability
Target price
$12.81
Analysis reference price unavailable
Analysis 2026-02-03 · RankAlpha Sentiment AI
B-
Bear case
20%
Probability
Target price
$9.83
Analysis reference price unavailable
Analysis 2026-02-03 · RankAlpha Sentiment AI
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$215.59B
Beta
0.84
Shares Out
14.68B
P/E (TTM)
12.8
P/S (TTM)
3.97
P/FCF (TTM)
11.96
Rev YoY
+130.9%
EPS YoY
+6.6%
Gross Margin
-
Op Margin
+15.2%
Net Debt
$432.74B
Current Ratio
1.76
As of 2026-09-09 • Updated nightlySource: Internal modelMethods & Data