SAN Stock Analysis: Buy, Sell, or Hold?
SAN - Banco Santander S.A.
$12.75
-0.06 (-0.47%)
▼
HOLD
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Feb 04, 2026
3d
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Interactive Price Chart (1 Month)
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Bottom Line:
📊 HOLD: SAN is fairly valued with market pricing in 1.4% annual growth. Fine to hold or accumulate slowly on dips.
📊 HOLD: SAN is fairly valued with market pricing in 1.4% annual growth. Fine to hold or accumulate slowly on dips.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$16.30
Based on 5.9% avg growth
INTRINSIC VALUE TODAY
$10.12
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 11.5x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: SAN is currently trading at $12.75, which is considered extended relative to its 30-day fair value range of $11.78 to $12.51. The stock's valuation (Forward PE: 12.0) is in line with its historical norms (11.5). At these levels, the market is pricing in 1.4% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.
Technical Outlook: Technically, SAN is in a strong uptrend. The price is approaching resistance at $13.05. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SAN has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. However, the stock is trading significantly above the average Wall Street target of $10.73. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Technical Outlook: Technically, SAN is in a strong uptrend. The price is approaching resistance at $13.05. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.
Market Sentiment: SAN has a strong technical setup (75/100), with favorable trendlines, momentum, and price action for short-term traders. However, the stock is trading significantly above the average Wall Street target of $10.73. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.
Quick Decision Summary
Current Position
EXTENDED
Fair Price Range
$11.78 -
$12.51
Company Quality Score
66/100
(BUY)
Volume Confirmation
HIGH
Confidence Score
53.3%
Protect Your Profits
Holding SAN? Use our AI-powered strategies to protect your downside while keeping your long-term position.
View Profit Protection PlanAll Signals
- BEARISH: Price extended above range
- BULLISH: Strong technical setup (75/100)
- BULLISH: High volume confirmation
- BEARISH: Trading 16.2% above Wall St target ($10.73)
- NEUTRAL: Market pricing in 1.4% annual earnings growth - fairly valued
Fair Price Analysis
30-Day Fair Range
$11.78 -
$12.51
Current vs Fair Value
EXTENDED
Support & Resistance Levels
Support Level
$11.90
Resistance Level
$13.05
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
12.01
Wall Street Target
$10.74
(-16.2%)
Revenue Growth (YoY)
4.8%
Earnings Growth (YoY)
6.4%
Profit Margin
26.8%
Valuation Premium vs History
+1.4% premium
PE vs Historical
12.0 vs 11.5
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
+1.4%
(market-implied from PE analysis)
1-Year Target
$12.99
(+1%)
2-Year Target
$13.17
(+3%)
3-Year Target
$13.36
(+4%)
3-Yr Target (if PE normalizes)
(PE: 12→12)
PE COMPRESSION
$12.79
(0%)
Earnings growth offset by PE compression
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 7.7%)
$29.69
(+132%)
Base:
(SPY PE: 12.0, Growth: 7.7%)
$15.98
(+25%)
Bear:
(PE: 10.2, Growth: 7.7%)
$13.59
(+6%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (13x PE), but valuation improves significantly next year (12x PE) as earnings recover.
Trailing PE: 12.55 | Current EPS (TTM): $1.01
Bull Case
$14.73
(+16%)
Analyst growth 5.6%, PE expands to 13.8
Base Case
$13.39
(+5%)
Market implied 5.6%, PE stable at 12.6
Bear Case
$8.62
(-32%)
Severe decline -20.0%, PE contracts to 10.7
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
Last updated: January 30, 2026 7:31 PM ET
Data refreshes hourly during market hours. Next update: 8:31 PM
Data refreshes hourly during market hours. Next update: 8:31 PM
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Technical Signals Check
Is SAN showing a specific setup today?
Insider Activity (6 Months)
0
Buys
0
Sells
0
Net
NEUTRAL
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Advanced SAN Option Strategies
Professional options setups generated by AI based on today's SAN price and gamma walls.
