(SAN) Banco Santander - Ratings and Ratios

Banco Santander, S.A. (NYSE:SAN) is a global financial institution providing a wide range of banking and financial services to individuals, SMEs, corporations, and public entities. The bank operates through five core segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. Its product portfolio includes demand and time deposits, mutual funds, current and savings accounts, mortgages, consumer finance, loans, and project finance. Additional offerings encompass credit and debit cards, real estate loans, microfinance, auto loans, private and investment banking services, mergers and acquisitions advice, wealth, asset, and risk management, and digital payments solutions. The bank is also engaged in securitization, leasing, portfolio management, e-commerce, air transport, software, consulting, payment and collection services, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage, pension fund management, trade intermediary, venture capital, renting, restaurant, electricity production, IT, internet, and financial advisory services. Banco Santander, S.A., rebranded from Banco Santander Central Hispano SA in 2007, was founded in 1856 and is headquartered in Madrid, Spain, with a significant presence across Europe, the Americas, and other global markets.

Over the next three months, Banco Santander, S.A. (NYSE:SAN) is expected to maintain its current trajectory, with technical indicators suggesting potential stability. The stocks SMA20 of 6.58 and SMA50 of 6.43 indicate a gradual upward trend, with the last price of 6.73 slightly above these averages. The SMA200 of 5.18 reflects longer-term growth. The ATR of 0.23 signals moderate volatility. Fundamentally, the P/E ratio of 7.69 and forward P/E of 7.83 suggest the stock is reasonably valued, supported by an RoE of 12.75. The P/B ratio of 0.90 indicates undervaluation relative to book value. With a market cap of $101.68B and P/S of 2.00, the stock is positioned for steady performance, though macroeconomic conditions and interest rate changes could influence near-term pricing.

The 3-month forecast anticipates SAN to trade within a range of $6.40 to $7.10, with potential upside driven by improving fundamentals and downside risk tied to broader market volatility. The stocks average volume of 5.1M shares suggests moderate liquidity, and its current price near the upper end of its recent range may lead to short-term consolidation before further upward movement.