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Banco Santander, S.A.
BNC.LFinancial ServicesLSEES
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Estimates, scoring, valuation assumptions, and peer comparison in one research surface.
Change the assumptions to see how revenue growth, margins, and exit multiples can move fair value.
| Year | Revenue | Margin | Profit | Free cash flow | Present value |
|---|---|---|---|---|---|
| 2026 | £124.41B | 11.3% | £14.06B | £74.64B | N/A |
| 2027 | £130.00B | 11.3% | £14.69B | £78.00B | £70.91B |
| 2028 | £135.86B | 11.3% | £15.35B | £81.51B | £67.37B |
| 2029 | £141.97B | 11.3% | £16.04B | £85.18B | £64.00B |
| 2030 | £148.36B | 11.3% | £16.76B | £89.01B | £60.80B |
| 2031 | £155.03B | 11.3% | £17.52B | £93.02B | £57.76B |
Projects EPS forward, applies an exit P/E, then discounts the result back to today.
| Base EPS | £0.90 | 2025-12-31 |
| EPS growth | +18.2% | Forecast years: 5 |
| Future EPS | £2.076 | EPS × (1 + G)^5 |
| Base P/E | 10.7 | P/E |
| Future price | £22.218 | Future EPS × P/E |
| Fair value today | £13.796 | PV @ 10.0% |
| 30% safety price | £9.657 | Margin of safety |
| 50% safety price | £6.898 | Margin of safety |
| Discount rate \\ Terminal growth | 1.5% | 2.5% | 3.5% |
|---|---|---|---|
| 9.0% | £5,858.51 | £6,675.59 | £7,789.79 |
| 10.0% | £5,029.72 | £5,632.14 | £6,419.91 |
| 11.0% | £4,375.82 | £4,834.50 | £5,415.50 |