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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
Value
What changed
Value remains the lead driver in the composite, 7D delta +3.4.
What can break
ECB/BoE policy shock compressing NIM
Momentum
28
Value
59
Sentiment
55
Setup hits (3d)
0 · Net Neutral
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 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-02-03 • Model: RankAlpha Sentiment AI
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Neutral
Target $15.72
Why
Momentum28 · Δ7d -15.3
Value59 · Δ7d +3.4
Sentiment55 · Δ7d +2.1
So what
Balanced signals (Net Neutral). Wait for confirmation before sizing up.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta +3.4.

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: Value · See fundamentals
Momentum
28
8% active weight
Current posture
7d trendSoftening
Δ7d
-15.3
Δ21d
-34.1
Value
59
47% active weight
Current posture
7d trendImproving
Δ7d
+3.4
Δ21d
+4.7
Sentiment
55
45% active weight
Current posture
7d trendImproving
Δ7d
+2.1
Δ21d
-4.0
Why this grade

Composite grade C. Momentum 27.7 / Value 58.6 / Sentiment 55.2

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 2026-10-26
Market Cap
$181.2B
Beta
0.84
Shares Out
14.55B
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 2026-10-26 • Updated nightlySource: Internal modelMethods & Data