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Banco Santander, S.A. Sponsored (SAN) Stock Analysis

Range Bound setup

SellModerate Confidence

Financial Services · Banks - Diversified

Sell if holding. Analyst target reached at $12.12 — A.R:R is negative (-2.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit.

Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate... Read more

$12.12+5.6% A.UpsideScore 5.6/10#12 of 19 Banks - Diversified
Stop $11.52Target $12.79(resistance)A.R:R -2.1:1
Analyst target$11.92-1.6%3 analysts
$12.79our TP
$12.12price
$11.92mean
$9
$14

Sell if holding. Analyst target reached at $12.12 — A.R:R is negative (-2.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Chart setup: RSI 46 mid-range, Bollinger mid-band. Score 5.6/10, moderate confidence.

Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, earnings proximity 81d clear, semi cycle peak clear). Fails on favorable risk/reward ratio. Suitability: moderate.

Thesis

Rewards
No bull case signals
Risks
Analyst target reached - limited upside remaining

Key Metrics

P/E (TTM)11.7
P/E (Fwd)9.8
Mkt Cap$175.5B
EV/EBITDA
Profit Mgn34.1%
ROE12.9%
Rev Growth4.6%
Beta0.96
Dividend2.29%
Rating analysts29

Quality Signals

Piotroski F7/9

Options Flow

P/C1.84bearish
IV44%normal
Max Pain$3-75.2% vs spot

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

10 dimensions · all in-band

GatesA.R:R -2.1=NEGATIVEMomentum 4.9<5.5 (soft — BUY_NOW allowed but watch)Momentum 4.9>=4.5Insider activity: OKNo SEC red flagsEARNINGS PROXIMITY 81d clearSEMI CYCLE PEAK CLEARRange BoundSuitability: Moderate
RSI
46 · Neutral
20D MA 50D MA 200D MAGOLDEN CROSSSupport $11.17Resistance $13.05

Price Targets

$12
$13
A.Upside+5.5%
A.R:R-2.1:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-16.3% upside)
! Negative risk/reward — downside exceeds upside

Earnings

M
M
M
M
0/4 beats
Next Earnings2026-07-22 (81d)

Verdict History

reverse chrono — latest first
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Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is SAN stock a buy right now?

Sell if holding. Analyst target reached at $12.12 — A.R:R is negative (-2.1) — price has exceeded the analyst target. Reward from here is too thin for a buy — the engine flags exit. Chart setup: RSI 46 mid-range, Bollinger mid-band. Prior stop was $11.52. Score 5.6/10, moderate confidence.

What is the SAN stock price target?

Take-profit target: $12.79 (+5.6% upside). Prior stop was $11.52. Stop-loss: $11.52.

What are the risks of investing in SAN?

Analyst target reached - limited upside remaining.

Is SAN overvalued or undervalued?

Banco Santander, S.A. Sponsored trades at a P/E of 11.7 (forward 9.8). TrendMatrix value score: 6.5/10. Verdict: Sell.

What do analysts say about SAN?

29 analysts cover SAN with a consensus score of 3.9/5. Average price target: $12.

What does Banco Santander, S.A. Sponsored do?Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized...

Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; corporate and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. The company was incorporated in 1856 and is headquartered in Madrid, Spain.

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