SAN

Banco SantanderB

NYSE / Banks

At close

2026-07-21

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

Constructive

Lead driver

Value

What changed

Value remains the lead driver in the composite, 7D delta +0.3.

What can break

ECB/BoE policy shock compressing NIM

Momentum

Value

Sentiment

Setup hits (3d)

0 · Net Neutral

AI TargetsBase $12.81 · Bull $14.87 · Bear $9.83

Data freshness

Prices

As of 2026-07-21

Fundamentals

As of 2026-07-20 • Vendor: Data Vendor v1

Scores

As of 2026-07-21 • Model: HYBRID_IC_RP

AI Memo

As of 2026-02-03 • Model: RankAlpha Sentiment AI

Investment thesis

As of 2026-07-21

Supporting evidence

What

Grade B · Constructive

Confidence Medium · Net Neutral

Target $14.93

Why

Momentum65 · Δ7d -12.3

Value56 · Δ7d +0.3

Sentiment48 · Δ7d -0.3

So what

Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Lead driver: Value · See fundamentals

Momentum

26% active weight

Current posture

7d trendSoftening

Δ7d

-12.3

Δ21d

+4.8

Value

39% active weight

Current posture

7d trendFlat

Δ7d

+0.3

Δ21d

+0.6

Sentiment

34% active weight

Current posture

7d trendFlat

Δ7d

-0.3

Δ21d

-1.4

Why this grade

Composite grade B. Momentum 65.2 / Value 55.7 / Sentiment 48.4

Fundamentals (TTM)

As of 2026-07-20

Market Cap

$194.02B

Beta

0.84

Shares Out

14.68B

P/E (TTM)

12.8

P/S (TTM)

3.97

P/FCF (TTM)

11.96

Rev YoY

+8.8%

EPS YoY

+83.8%

Gross Margin

Op Margin

+37.5%

Net Debt

$432.74B

Current Ratio

1.74

As of 2026-07-21 • Updated nightlySource: Internal modelMethodology