Provide retail banking products such as savings and current accounts. Offer commercial banking services including loans and cash management. Now — the numbers.
This is an established company with proven profits.
Average growth of 18% a year over the last 4 years. Every year shown ended in profit.
The market pays 13.4× for every dollar of annual profit — cheap, which is either an opportunity or a warning.
Against companies in its own sector, it looks cheaper than 93% of them.
Analysts' average target sits 80% below today's price.
We compared this company with its own sector across five subjects.
A score of 50 means class average.
Profit power and business quality lead the class.
For a bank, strength is measured by capital buffers and reserves — not cash minus debt.
The price looks reasonable next to what the company earns.
There is growth, but not at top-of-the-class tempo.
The stock has been running stronger than the market lately.
Financial Strength: The capital buffer looks thin next to its class; less room to absorb a rough stretch.
The stock trades near its peak today. For long-term holders the ride has paid off so far — though past performance guarantees nothing about the future.
Over the last 4 years, sales grew about 18% a year on average.
It pays out $0.30 per share each year — regular cash for whoever holds the stock.
The stock trades 80% above the average analyst price target.
The balance sheet offers little cushion against a rough stretch. Report-card grade: 18/100.
On our five-subject report card, SAN sits near the top of the class. A high grade doesn’t mean “guaranteed win” — it means “the evidence looks strong for now.”
The takeaway: SAN is an established business that has proven its profits for years. The real debate here isn’t the price — it’s whether the company can keep up this pace.
The total grade weighs these five subjects against the sector — it isn’t a simple average of the five.
Not covered, because the filings we hold do not carry it: the revenue breakdown.