Dividend compounder review

BNC

Banco Santander, S.A. · LSE · GB

Financial Services · Banks - Diversified

Score77.50/100
Confidence92.00/100
DecisionReject
RatingHigh Quality Watchlist Candidate
Scoring

Quality breakdown

Dividend Reliability 16.5 / 25 Payment history, cuts, growth, and regularity.
Dividend Sustainability 7.0 / 20 Payout, free cash flow, dividend cover, and debt.
Business Quality 24.0 / 25 Scale, cash generation, growth, margins, and returns.
Valuation Discipline 15.0 / 15 Yield, P/E, and price stretch versus long-term trend.
Long-Term Trend 15.0 / 15 Trend line, long return history, and drawdown control.
Metrics

Dividend and business context

Dividend Years15
Dividend Yield2.41%
Payout Ratio25.4%
Dividend Cut 5YYes
Net Income£14.1B
Free Cash Flow£-22.5B
FCF Covers DividendNo
Debt / Equity3.16
P/E12.4
Revenue Growth 5Y3.4%
Net Margin34.1%
ROE12.9%
Price vs Trend7.0%
3Y Return261.7%
5Y Return229.5%
CurrencyGBP
Warnings

Review flags

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.
Dividend diary

Activity record

BNC dividend review warning Warning · Warning

Debt to equity is elevated at 3.16.

Dividend increased 8.7% Dividend Increase · Positive

Payment changed from 9.922 to 10.78.

BNC dividend payment 10.78 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

BNC dividend payment 9.922 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

Dividend increased 10.0% Dividend Increase · Positive

Payment changed from 8.628 to 9.491.

BNC dividend payment 9.491 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

Dividend increased 5.3% Dividend Increase · Positive

Payment changed from 8.197 to 8.628.

BNC dividend payment 8.628 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

Dividend increased 17.3% Dividend Increase · Positive

Payment changed from 6.989 to 8.197.

BNC dividend payment 8.197 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

Dividend increased 36.1% Dividend Increase · Positive

Payment changed from 5.134 to 6.989.

BNC dividend payment 6.989 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

BNC dividend payment 5.134 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

Dividend increased 13.2% Dividend Increase · Positive

Payment changed from 4.443 to 5.03.

BNC dividend payment 5.03 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

BNC dividend payment 4.443 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

BNC dividend payment 4.185 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

BNC dividend payment 2.373 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..

BNC dividend payment 8.268 GBP Dividend Payment · Info

Recorded dividend payment for Banco Santander, S.A..