Profitability
Weight: 25%
A-
84
Scored using efficiency ratio — bank-archetype substitution.
- Efficiency Ratio (FY2025) 52.2%
- Efficiency Ratio Trend -0.89 pp/yr
SAN
Banco Santander, S.A.
AlphaQuality composite grade, weighted for banks, insurers & asset managers businesses.
Capital Efficiency
Weight: 15%
B
74
- 5yr Avg ROE 11.6%
- 5yr Share-Count CAGR -1.7%
Growth Quality
Weight: 15%
A-
85
Scored using revenue growth cross-checked against efficiency-ratio trend — bank-archetype substitution.
- 5yr Revenue CAGR 14.7%
- Efficiency Ratio Trend (growth quality check) -0.89 pp/yr
- Revenue-Growth Years (5) 4/5
Cash Generation
Weight: 15%
F
22
Scored using efficiency-ratio stability — bank-archetype substitution.
- Efficiency Ratio Stability (σ) 0.08
Balance Sheet
Weight: 20%
D+
39
Scored using equity-to-assets — bank-archetype substitution.
- Equity / Assets 5.5%
Stability
Weight: 10%
C
56
- EPS Volatility (σ/μ) 0.35
- Negative-Revenue Years (5) 1/5
- Piotroski F-Score 4
Guru Flow
Curated superinvestor sentiment — not part of the AlphaQuality grade.2 of 2 gurus held; 1 trimmed.
- Holders
- 2
- Avg Δ position
- -47.9%
- New buys
- 0
- Full exits
- 0
- Wood decreased -96%