Banco Santander S.A. (SAN.MC) — Quality & forensics

As of 2026-09-18 — refreshed nightly. Closelook readings from an investment research diary, not ratings or advice.

The Closelook module scores

64 /100 composite · 7 modules · general weight set

Valuation 76
Quality 66
Growth 61
Balance sheet 21
Cash quality 81
Capital allocation 78
Momentum 77

Scores are computed nightly across the coverage universe and read relative to it — the methodology lives in the company-scoring explainer.

Financial forensics — the academic screens

0.37 Altman Z-Score

Sits in the distress zone (below 1.81). The Z-Score estimates financial-distress risk from five balance-sheet and earnings ratios.

8/9 Piotroski F-Score

Nine binary fundamental-strength checks across profitability, leverage and operating efficiency.

Continue: the SAN.MC chart & overview

FAQ · from the current data · as of 2026-09-18

Quick answers

What is Banco Santander S.A.'s Closelook quality reading?

The composite reads 64/100 across 7 modules, as of 2026-09-18: valuation 76, quality 66, growth 61, balance sheet 21, cash quality 81, capital allocation 78, momentum 77. Closelook scores are research diary readings, not ratings or investment advice.

What is Banco Santander S.A.'s Altman Z-Score?

0.37, which sits in the distress zone (below 1.81) as of 2026-09-18. The Altman Z-Score estimates financial distress risk from five balance-sheet and earnings ratios.

What is Banco Santander S.A.'s Piotroski F-Score?

8 of 9, as of 2026-09-18. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.

Related in the Closelook universe

then Banks - Diversified, then Financial Services. Scored names rank on their Closelook score; names without one rank on trend state — above or below their 50- and 200-day averages — never on a score they do not carry.