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SASAN

Banco Santander, S.A.

$SAN·$198B·Banks - Diversified·Financial Services
$13.30-1.2%YTD+11.9%1Y+34.3%
Price updated 7h ago·X counts updated 5d ago
SASAN
$SANBanco Santander, S.A.
$13.30-1.19%299 posts1×
AI analysisFundamentalsVoices on X
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On X

Top X posts

The complete picture of $SAN on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

299X posts · last 7 days
Sep 29Oct 11
Chatter Meter
1×
QuietNormal · 1×Loud

How loud $SAN's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level, louder than 52% of tracked names.

Bullish sentimentAI analysisGenerated by AI from underlying data8 posts analyzed · as of 2026-09-14

The $SAN cashtag is a small-cap Solana memecoin (~$1.2-1.3M MC, ~2yrs old, weekly animal donations), not Santander — traders point at whales holding through dips, a $50k+ v1 wallet accumulation, and 'survived every trench' framing. Uniformly bullish inside a small crypto community; no equity content.

Read what X is saying about $SAN

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $SAN — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersStalledAI verdict · as of 2026-10-02

The move has stalled — likely just drifts unless something new shows up.

Santander at 11x earnings — UK AXA win is cash, the X chatter is about an entirely different asset.

Banco Santander is one of Europe's largest banks — global retail/commercial banking across Spain, Brazil, UK, US, Mexico, and other geographies. The stock is up 11% YTD and in the upper third of its 52-week range after a UK AXA PPI appeal win and strong Latin American operations.

  • The P&L is accelerating meaningfully: revenue grew 134% YoY to $33.5B last quarter at a 29% operating margin — the comp was weak, but the operating-margin profile at scale is reasonable, with Brazilian and Mexican rate normalization driving net interest income.
  • The UK AXA appeal win on $912M PPI exposure is a specific legal catalyst — reserves released from that case flow directly to the P&L.
  • The $2B senior non-preferred notes raise (Aug 19, 5.005% 2030 + 5.624% 2034) is routine capital-stack maintenance; dual-tranche issuance at these levels says the credit market still prices Santander favorably.

Stalled holds until Oct 28 earnings confirm Latin American net interest income growth above 10% YoY and management reiterates the FY27 ROE target. A soft Brazilian or Mexican NII print, or any specific commentary on US rate-pass-through, is what tips this toward breaking-down; a FY27 ROE guide above 16% is what breaks the stalled tape higher.

Differs from X sentimentThe X $SAN cashtag is a Solana memecoin community (whale accumulation, $50k wallet buys, 2-year-old project) — not Santander the global bank, whose actual tape is driven by Latin American NII and the UK AXA legal win the posters never mention.

What to watch: Oct 28 earnings — Latin American segment NII growth, UK operations post-AXA, FY27 ROE guide, and any color on the $2B senior-notes-related leverage profile. A soft Latin American print or weakening US consumer-credit tells is what breaks the stalled tape lower.

On the calendar: 2026-10-28 — Q3 FY26 earnings

Read the AI verdict on $SAN

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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What it does

Plain-English summary of the business — what they sell and how they make money.

Spain's global bank with dominant retail presence in Latin America, Europe, and the US serving 160 million customers.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Diversified sits in its cycle right now — and what that implies for $SAN.

Banks - Diversified · Financial Services

No material change from last week — Capital markets recovery (IPO and M&A pipeline) and sustained higher-for-longer net interest margins are the dual structural drivers.

What this means for $SAN

Neutral — Spain's global bank with dominant retail presence in Latin America, Europe, and the US serving 160 million customers.

Top industry ETF

$KBESPDR S&P Bank ETF
+3.6%YTD
+15.5%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
11.2How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
2.0%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
28.8%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
30.7%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.7Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
15.5%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
72.3%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
4.1Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 22, 2026$0.27$0.29-6.9%
Q1 2026Apr 29, 2026$0.41$0.29+42.9%
Q4 2025Feb 4, 2026$0.25$0.250.0%
Q3 2025Oct 29, 2025$0.23$0.25-8.0%
Next earningsWed, Oct 28·consensus EPS $0.26

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$33.5B+133.6%40.1%14.5%$0.24—
Q1 FY26$29.7B-6.0%41.3%16.9%$0.36$-19.7B
Q4 FY25$15.0B-5.3%78.8%32.8%$0.25$0
Q3 FY25$12.1B-19.0%79.9%32.8%$0.20$-10.0B

Forward consensus

4-year forecast · up to 14 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$64.3B$64.0B – $64.5B$1.04$0.99 – $1.1410
FY27$69.8B$69.4B – $70.2B$1.27$1.25 – $1.2810
FY28$73.1B$71.7B – $76.4B$1.47$1.34 – $1.6314
FY29$74.4B$72.9B – $75.9B$1.48$1.44 – $1.528

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.7×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.68%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-7.1%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+2.9%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMega float · 14.1B shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.0% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.945-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.FilingActive offeringA shelf registration (S-3 / S-3ASR / S-1) or prospectus supplement (424B*) was filed in the last 90 days — the company is registered to (or actively) issuing new shares. Dilution risk.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

424B5Prospectus supplement (offering)Aug 19424B5
AI summary

Banco Santander, S.A. priced $1 billion of 5.005% Senior Non-Preferred Fixed-to-Fixed Rate Notes due 2030 (resetting at U.S. Treasury + 0.750% near maturity) and $1 billion of 5.624% Senior Non-Preferred Fixed-to-Fixed Rate Notes due 2034 (resetting at U.S. Treasury + 1.100%), for a total of $2 billion, with interest payable semi-annually beginning February 25, 2027. These senior non-preferred notes rank above subordinated debt but below senior preferred obligations in Santander's capital structure, making them TLAC-eligible. This is a significant $2B institutional debt issuance for Santander's regulatory capital stack.

424B5Prospectus supplement (offering)Aug 18424B5
AI summary

Banco Santander, S.A. filed a preliminary prospectus supplement on August 18, 2026 for a dual-tranche Senior Non-Preferred Fixed-to-Fixed Rate Note offering due 2030 and 2034, with principal amounts and interest rates left blank as 'Subject to Completion.' This is the launch/preliminary filing preceding the final terms announced the following day ($2B total: $1B at 5.005% due 2030 + $1B at 5.624% due 2034). This is a procedural pre-pricing filing with no finalized economic terms.

424B5Prospectus supplement (offering)May 28424B5
424B5Prospectus supplement (offering)May 27424B5
+ 76 other (51 6-Ks · 7 425s · 2 CERTs · 2 8-A12Bs) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

BNP Paribas hires Santander, UBS dealmakers to bolster UK M&A advisory teamreuters.com·3d agoBanco Santander, S.A. $SAN Position Increased by Tompkins Financial Corpdefenseworld.net·12d agoA Look at Banco Santander SA (SAN) After 0.2% Decline -- GF Value $6.64 vs Price $14.19gurufocus.com·17d agoSantander wins UK appeal over $912 million AXA US PPI rulingreuters.com·32d agoSantander Holdings USA, Inc. Announces Redemption of All Outstanding Depositary Shares Representing Interests in Its Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series Ibusinesswire.com·32d ago

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TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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