{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "8805b573-7063-4cae-b5c1-aa47c35ae14e",
    "symbol": "BNC",
    "name": "Banco Santander, S.A.",
    "exchange": "LSE",
    "country_code": "GB",
    "country_name": "United Kingdom",
    "sector": "Financial Services",
    "industry": "Banks - Diversified",
    "chart_url": "https://sharemaestro.com/terminal/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "8805b573-7063-4cae-b5c1-aa47c35ae14e",
      "symbol": "BNC",
      "name": "Banco Santander, S.A.",
      "exchange": "LSE",
      "country_code": "GB",
      "country_name": "United Kingdom",
      "sector": "Financial Services",
      "industry": "Banks - Diversified",
      "chart_url": "https://sharemaestro.com/terminal/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "BNC.L",
    "market_cap": 135129464832.0,
    "market_cap_usd": 13248311801800.0,
    "price": 941.0,
    "currency": "GBP",
    "dividend_yield": 0.0241,
    "dividend_years": 15,
    "dividend_growth_5y": 0.00343577,
    "dividend_cut_5y": true,
    "payout_ratio": 0.2545,
    "net_income": 14101000000.0,
    "free_cash_flow": -22494000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 3.16188815,
    "revenue_growth_5y": 0.034499,
    "net_margin": 0.34098998,
    "roe": 0.12886,
    "pe_ratio": 12.381578,
    "price_vs_ma": 0.06961601,
    "return_3y": 2.61675965,
    "return_5y": 2.29478512,
    "max_drawdown": -0.33066556,
    "scores": {
      "dividend_reliability": 16.5,
      "dividend_sustainability": 7.0,
      "business_quality": 24.0,
      "valuation": 15.0,
      "trend": 15.0,
      "total": 77.5,
      "confidence": 92.0
    },
    "rating": "high_quality",
    "rating_label": "High Quality Watchlist Candidate",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency GBP differs from financial currency EUR.",
      "Dividend cut or material annual decrease detected in the last five completed years.",
      "Free cash flow is negative.",
      "Free cash flow does not cover dividends paid.",
      "Debt to equity is elevated at 3.16."
    ],
    "urls": {
      "page": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/",
      "chart": "https://sharemaestro.com/terminal/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 16.5,
    "dividend_sustainability": 7.0,
    "business_quality": 24.0,
    "valuation": 15.0,
    "trend": 15.0,
    "total": 77.5,
    "confidence": 92.0
  },
  "warnings": [
    "Price currency GBP differs from financial currency EUR.",
    "Dividend cut or material annual decrease detected in the last five completed years.",
    "Free cash flow is negative.",
    "Free cash flow does not cover dividends paid.",
    "Debt to equity is elevated at 3.16."
  ],
  "diary": [
    {
      "event_date": "2026-06-12",
      "event_type": "warning",
      "severity": "warning",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend review warning",
      "detail": "Debt to equity is elevated at 3.16.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2026-04-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "Dividend increased 8.7%",
      "detail": "Payment changed from 9.922 to 10.78.",
      "amount": 10.784875,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2026-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 10.78 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 10.784875,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2025-10-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 9.922 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 9.922085,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2025-04-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "Dividend increased 10.0%",
      "detail": "Payment changed from 8.628 to 9.491.",
      "amount": 9.49069,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2025-04-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 9.491 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 9.49069,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2024-10-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "Dividend increased 5.3%",
      "detail": "Payment changed from 8.197 to 8.628.",
      "amount": 8.6279,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2024-10-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 8.628 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 8.6279,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2024-04-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "Dividend increased 17.3%",
      "detail": "Payment changed from 6.989 to 8.197.",
      "amount": 8.196505,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2024-04-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 8.197 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 8.196505,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2023-10-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "Dividend increased 36.1%",
      "detail": "Payment changed from 5.134 to 6.989.",
      "amount": 6.988599,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2023-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 6.989 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 6.988599,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2023-04-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 5.134 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 5.1336007,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2022-10-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "Dividend increased 13.2%",
      "detail": "Payment changed from 4.443 to 5.03.",
      "amount": 5.0300655,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2022-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 5.03 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 5.0300655,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2022-04-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 4.443 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 4.4433684,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2021-10-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 4.185 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 4.1845317,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2021-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 2.373 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 2.3726726,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    },
    {
      "event_date": "2019-10-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "BNC",
      "exchange": "LSE",
      "headline": "BNC dividend payment 8.268 GBP",
      "detail": "Recorded dividend payment for Banco Santander, S.A..",
      "amount": 8.268375,
      "currency": "GBP",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/8805b573-7063-4cae-b5c1-aa47c35ae14e/"
    }
  ]
}