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

As of 2026-09-03 — 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 77
Quality 64
Growth 59
Balance sheet 23
Cash quality 81
Capital allocation 75
Momentum 84

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 2026-09-03

Quick answers

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

The composite reads 64/100 across 7 modules, as of 2026-09-03: valuation 77, quality 64, growth 59, balance sheet 23, cash quality 81, capital allocation 75, momentum 84. 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 2026-09-03. 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 2026-09-03. The F-Score counts nine binary fundamental-strength signals across profitability, leverage and operating efficiency.