Banco Santander, S.A. SAN NYSE

Banco Santander, S.A. (SAN) has shown exceptional revenue growth over the past 3 years, expanding from $54.2B to $119.9B (average +44%/yr). Net income reached $14.1B, reflecting solid earnings growth at +13.7%/yr on average. The net profit margin is 11.8%, which is moderate. The company has maintained profitability in all 4 of the past 4 years, demonstrating a consistent earnings track record. The gross margin is 40% (moderate), with a -37.4pp trend over the period. With a $184B market cap and MOAT composite score of 72/100, the company has a strong competitive position.

Criteria proven by this page:

• GROWTH (90/100, Pass) — proving strong growth momentum
• PAST (100/100, Pass) — proving consistent earnings. Looking at the full 39-year history, the company was profitable in 38 of 39 years — an excellent long-term track record
• INCOME (55/100, Partial) — the company is profitable but margin is below 15%
• MOAT (72/100, Pass) — strong gross margins and market scale prove a durable competitive advantage

Overall SharesGrow Score: 61/100 with 4/7 criteria passed.