Oversold

SAN

Valuation50/ 100
Cash flow & growth52/ 100
Upside potential41/ 100
Risk potential25/ 100

SAN's valuation appears fair, fundamentals are somewhat mixed and the outlook sends mixed signals, though analyst coverage is limited.

Score change since last week

The score fell 10 points, mainly due to valuation and price changes. Price rose 1.8%, from $14.67 to $14.93. Reported EPS was unchanged, so the higher price reduced valuation support.

Valuation and price changes subtracted 10.4 points. The comparison uses the same available inputs on both dates. Displayed changes are rounded to whole points.

Valuation

Valuation stays neutral because earnings are difficult to compare across periods. Business trends, outlook and financial risk still contribute to the overall score.

Cash flow & growth

Business trends are mixed. Over the past year: revenue +17.7%, earnings +24.1%, operating margin -4.1 percentage points. The business score is 52.4/100. Growth, margins and cash generation drive the score. Missing or older data receives less weight.

Favorable scenario

Weaker business results limit upside support. Price history provides the reference because earnings are difficult to compare.

The calculation starts with the stock’s typical weekly price movements, adjusted for business performance and outlook. Unusually large jumps have less influence. The result is 17.8% upside, or about $17.62.

This is a scenario based on our model, not a forecast or probability.

Downside scenario

Historical price swings are the main risk driver, even without a sharp profit decline.

The stock’s historical price swings drive this figure. Price history and operating stress provide the reference because comparable earnings do not support a future PE target. Operating stress reflects revenue, earnings, margins, outlook and relevant debt exposure. The larger stress gives 25.3% downside, or about $11.18, with a 15% minimum.

This is a scenario based on our model, not a forecast or probability.

SAN vs Historical averages

MetricCurrentAverageRelative
PE12x7.3x71% higher
PE percentile965093% higher
EPS$1.20$0.51136% higher
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SAN’s earnings are above their historical averages, while its earnings multiple is higher.

SAN Forward outlook

MetricOutlook
Forward valuationStable
Forward earningsStable
Forward revenueStrong decline
Forward profitabilityStrongly expanding
Analyst coverageLimited
Estimate dispersionTight

SAN’s outlook is mixed, with declining sales expectations a concern.

SAN PE Valuation

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This table applies SAN's historical price-to-earnings (PE) landmarks to current earnings. The implied prices are valuation scenarios, not price forecasts or targets.

SAN Earnings Per Share

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This chart tracks SAN's trailing twelve-month diluted earnings per share, calculated from four consecutive reported quarters to reduce seasonal noise.

SAN Quarterly Revenue

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This chart tracks SAN's quarterly revenue over time and shows how sales are changing from year to year.

SAN Free Cash Flow

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This chart tracks SAN's free cash flow over time, showing whether the business is consistently generating cash after operating costs and capital spending.

SAN Total Shares

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This chart tracks changes in SAN's diluted share count. A rising count can dilute existing owners, while a falling count often reflects share repurchases.

SAN Net Leverage

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Quarterly Net Leverage uses the last 12 months of EBITDA. A falling multiple generally indicates less debt relative to earnings capacity. Negative values mean net cash; missing data or nonpositive LTM EBITDA are N/A. The table shows each period’s Net Leverage and status.

SAN PE vs Financial Services Sector

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This chart compares SAN's price-to-earnings (PE) ratio with the Financial Services sector average. A discount or premium can reflect differences in expected growth, profitability, or risk.

SAN Weekly Price

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This chart uses SAN's weekly closing prices to show the longer-term trend. The lower panes show weekly RSI and Stochastic momentum.

SAN Weekly Moving Averages

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This chart compares SAN's 8, 20, 50, 100, and 200-week moving averages from 2020 onward. Shorter averages react faster to price changes, while longer averages show the broader trend.

SAN Yearly ROI

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Each line starts at 0% using the year’s first dependable weekly close and tracks the return through December, or through the latest available week for the current year.