{
  "app": "dividend_compounders",
  "ticker": {
    "uuid": "e469146e-1bc8-468c-a716-d7081bf47f48",
    "symbol": "SAN",
    "name": "Banco Santander SA ADR",
    "exchange": "NYSE",
    "country_code": "US",
    "country_name": "United States",
    "sector": "Financial Services",
    "industry": "Banks - Diversified",
    "chart_url": "https://sharemaestro.com/terminal/e469146e-1bc8-468c-a716-d7081bf47f48/"
  },
  "snapshot": {
    "ticker": {
      "uuid": "e469146e-1bc8-468c-a716-d7081bf47f48",
      "symbol": "SAN",
      "name": "Banco Santander SA ADR",
      "exchange": "NYSE",
      "country_code": "US",
      "country_name": "United States",
      "sector": "Financial Services",
      "industry": "Banks - Diversified",
      "chart_url": "https://sharemaestro.com/terminal/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    "as_of_date": "2026-06-12",
    "provider_symbol": "SAN",
    "market_cap": 184815747072.0,
    "market_cap_usd": 174964117817.25,
    "price": 12.87,
    "currency": "USD",
    "dividend_yield": 0.0222,
    "dividend_years": 37,
    "dividend_growth_5y": -0.11437862,
    "dividend_cut_5y": true,
    "payout_ratio": 0.2525,
    "net_income": 14101000000.0,
    "free_cash_flow": -22494000000.0,
    "fcf_covers_dividend": false,
    "debt_to_equity": 3.16188815,
    "revenue_growth_5y": 0.14657554,
    "net_margin": 0.34098998,
    "roe": 0.12886,
    "pe_ratio": 12.617647,
    "price_vs_ma": 0.09917095,
    "return_3y": 3.26591633,
    "return_5y": 2.75253444,
    "max_drawdown": -0.43255656,
    "scores": {
      "dividend_reliability": 11.5,
      "dividend_sustainability": 7.0,
      "business_quality": 24.0,
      "valuation": 13.0,
      "trend": 13.5,
      "total": 69.0,
      "confidence": 92.0
    },
    "rating": "acceptable",
    "rating_label": "Acceptable, Needs Review",
    "decision": "reject",
    "decision_label": "Reject",
    "warnings": [
      "Price currency USD 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/e469146e-1bc8-468c-a716-d7081bf47f48/",
      "chart": "https://sharemaestro.com/terminal/e469146e-1bc8-468c-a716-d7081bf47f48/"
    }
  },
  "score_breakdown": {
    "dividend_reliability": 11.5,
    "dividend_sustainability": 7.0,
    "business_quality": 24.0,
    "valuation": 13.0,
    "trend": 13.5,
    "total": 69.0,
    "confidence": 92.0
  },
  "warnings": [
    "Price currency USD 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": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend review warning",
      "detail": "Debt to equity is elevated at 3.16.",
      "amount": null,
      "currency": "",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2026-05-04",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "Dividend increased 18.5%",
      "detail": "Payment changed from 0.124 to 0.147.",
      "amount": 0.147,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2026-05-04",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.147 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.147,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2025-04-30",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "Dividend increased 10.7%",
      "detail": "Payment changed from 0.112 to 0.124.",
      "amount": 0.124,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2025-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.124 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.124,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2024-10-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "Dividend increased 8.7%",
      "detail": "Payment changed from 0.103 to 0.112.",
      "amount": 0.112,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2024-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.112 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.112,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2024-04-29",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "Dividend increased 21.2%",
      "detail": "Payment changed from 0.085 to 0.103.",
      "amount": 0.103,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2024-04-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.103 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.103,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2023-10-31",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "Dividend increased 34.9%",
      "detail": "Payment changed from 0.063 to 0.085.",
      "amount": 0.085,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2023-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.085 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.085,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2023-04-27",
      "event_type": "increase",
      "severity": "positive",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "Dividend increased 12.5%",
      "detail": "Payment changed from 0.056 to 0.063.",
      "amount": 0.063,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2023-04-27",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.063 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.063,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2022-10-31",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.056 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.056,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2022-04-28",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.057 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.057,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2021-10-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.056 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.056,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2021-04-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.033 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.033,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2019-10-30",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.109 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.109,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    },
    {
      "event_date": "2019-04-29",
      "event_type": "payment",
      "severity": "info",
      "ticker": "SAN",
      "exchange": "NYSE",
      "headline": "SAN dividend payment 0.073 USD",
      "detail": "Recorded dividend payment for Banco Santander SA ADR.",
      "amount": 0.073,
      "currency": "USD",
      "ticker_url": "https://sharemaestro.com/dividend-compounders/ticker/e469146e-1bc8-468c-a716-d7081bf47f48/"
    }
  ]
}