Dividend compounder review

SAN

Banco Santander SA ADR · NYSE · US

Financial Services · Banks - Diversified

Score69.00/100
Confidence92.00/100
DecisionReject
RatingAcceptable, Needs Review
Scoring

Quality breakdown

Dividend Reliability 11.5 / 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 13.0 / 15 Yield, P/E, and price stretch versus long-term trend.
Long-Term Trend 13.5 / 15 Trend line, long return history, and drawdown control.
Metrics

Dividend and business context

Dividend Years37
Dividend Yield2.22%
Payout Ratio25.2%
Dividend Cut 5YYes
Net Income$14.1B
Free Cash Flow$-22.5B
FCF Covers DividendNo
Debt / Equity3.16
P/E12.6
Revenue Growth 5Y14.7%
Net Margin34.1%
ROE12.9%
Price vs Trend9.9%
3Y Return326.6%
5Y Return275.3%
CurrencyUSD
Warnings

Review flags

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.
Dividend diary

Activity record

SAN dividend review warning Warning · Warning

Debt to equity is elevated at 3.16.

Dividend increased 18.5% Dividend Increase · Positive

Payment changed from 0.124 to 0.147.

SAN dividend payment 0.147 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

Dividend increased 10.7% Dividend Increase · Positive

Payment changed from 0.112 to 0.124.

SAN dividend payment 0.124 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

Dividend increased 8.7% Dividend Increase · Positive

Payment changed from 0.103 to 0.112.

SAN dividend payment 0.112 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

Dividend increased 21.2% Dividend Increase · Positive

Payment changed from 0.085 to 0.103.

SAN dividend payment 0.103 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

Dividend increased 34.9% Dividend Increase · Positive

Payment changed from 0.063 to 0.085.

SAN dividend payment 0.085 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

Dividend increased 12.5% Dividend Increase · Positive

Payment changed from 0.056 to 0.063.

SAN dividend payment 0.063 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

SAN dividend payment 0.056 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

SAN dividend payment 0.057 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

SAN dividend payment 0.056 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

SAN dividend payment 0.033 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

SAN dividend payment 0.109 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.

SAN dividend payment 0.073 USD Dividend Payment · Info

Recorded dividend payment for Banco Santander SA ADR.