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Banco Santander
KA
kapirey
Community Contributor
Banco Santander is not finding its place in online banking
Catalysts Banco Santander is present in Europe (Germany, Austria, Belgium, Denmark, Spain, Finland, Isle of Man, Italy, Norway, Poland, Portugal and the UK); North America (USA, Mexico); South America (Argentina, Brazil, Chile, Uruguay) Active customer base: 103 million. ONE Transformatio Project: transformation to an integrated digital model for all markets.
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€4.43
FV
86.4% overvalued
intrinsic discount
5.00%
Revenue growth p.a.
Set Fair Value
1
users have liked this narrative
1
users have commented on this narrative
15
users have followed this narrative
6 months ago
author updated this narrative
Unicaja Banco
AN
AnalystLowTarget
Consensus Narrative from 17 Analysts
Digital Banking Shifts And Spain Demographics Will Erode Profit Margins
Key Takeaways Digital disruption and aggressive competition threaten Unicaja's revenues and margins, exposing weaknesses in technological innovation and customer retention. Structural and demographic challenges in core regions constrain loan demand and deposit growth, hampering long-term profitability and earnings expansion.
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€1.60
FV
51.6% overvalued
intrinsic discount
-2.91%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
0
users have followed this narrative
1 day ago
author updated this narrative
Unicaja Banco
AN
AnalystHighTarget
Consensus Narrative from 17 Analysts
Digitalization And Economic Convergence In Southern Europe Will Expand Opportunities
Key Takeaways Strategic focus on under-banked regions, digitalization, and tailored offerings is set to drive outsized growth in lending, deposits, and recurring fee revenue. Operational streamlining, improved asset quality, and scale from the Liberbank merger position Unicaja for structurally higher margins and sustained, rising dividends.
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€2.72
FV
10.8% undervalued
intrinsic discount
3.18%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
0
users have followed this narrative
1 day ago
author updated this narrative
Banco de Sabadell
AN
AnalystLowTarget
Consensus Narrative from 13 Analysts
Legacy IT And Demographic Shifts Will Undermine European Banking
Key Takeaways Rapid digital disruption, regulatory pressures, and legacy inefficiencies threaten Sabadell's market share, margin levels, and ability to effectively compete with technology-driven entrants. Domestic market concentration and demographic headwinds limit growth potential, exposing Sabadell to increased earnings volatility and operational risks.
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€2.41
FV
42.2% overvalued
intrinsic discount
-5.44%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
1 day ago
author updated this narrative
Banco de Sabadell
AN
AnalystHighTarget
Consensus Narrative from 13 Analysts
Digital Transformation And Urbanization Will Unlock European Banking Potential
Key Takeaways Rapid improvements in loan growth, asset quality, and digitalization position Sabadell to outperform peers in revenue, margin expansion, and recurring high-margin fee income. Strong capital generation, robust liquidity, and planned extraordinary shareholder returns could lead to sustained outperformance and an upward stock re-rating.
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€3.97
FV
13.8% undervalued
intrinsic discount
-4.46%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
1
users have followed this narrative
1 day ago
author updated this narrative
Banco Bilbao Vizcaya Argentaria
AN
AnalystConsensusTarget
Consensus Narrative from 16 Analysts
Emerging Markets And Digital Transformation Will Unlock Value
Key Takeaways Strong emerging market presence, digital transformation, and sustainability focus are set to drive revenue growth, improve efficiency, and boost long-term profitability. Enhanced capital management and stable interest rates should unlock shareholder value and support ongoing improvements in return on equity.
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€15.88
FV
3.4% overvalued
intrinsic discount
7.82%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
41
users have followed this narrative
1 day ago
author updated this narrative
Unicaja Banco
AN
AnalystConsensusTarget
Consensus Narrative from 17 Analysts
Overvalued Assumptions Will Crumble As Margins Decline
Key Takeaways Margin and revenue pressures may rise as net interest margins compress, cost reductions prove challenging, and optimism about sustained earnings momentum appears misplaced. Growth in fee-based income and digital transformation face limits amid rising costs, competition, and demographic headwinds, risking overestimated future revenue expansion.
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€2.10
FV
15.8% overvalued
intrinsic discount
1.78%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
2
users have followed this narrative
1 day ago
author updated this narrative
Bankinter
AN
AnalystConsensusTarget
Consensus Narrative from 20 Analysts
Digital Transformation And Geographic Diversification Will Strengthen Future Position
Key Takeaways Strong digital transformation, robust risk management, and disciplined deposit strategies are enhancing profitability, operating leverage, and resilience across core and expanding markets. Strategic focus on wealth management growth and international diversification is driving recurring revenue streams, margin stability, and premium valuation.
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€12.14
FV
8.8% overvalued
intrinsic discount
7.68%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
18
users have followed this narrative
1 day ago
author updated this narrative
CaixaBank
AN
AnalystConsensusTarget
Consensus Narrative from 20 Analysts
Digital Transformation And Tailored Retirement Solutions Will Capture Iberian Demand
Key Takeaways Digital innovation and demographic-focused strategies are expanding client base, increasing recurring fee income, and reducing earnings volatility through cross-selling and digital platform growth. Market share gains, strong funding, and successful integration efforts are improving cost efficiency, lending capacity, and supporting sustained margin and earnings expansion.
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€8.24
FV
7.3% overvalued
intrinsic discount
5.63%
Revenue growth p.a.
Set Fair Value
0
users have liked this narrative
0
users have commented on this narrative
26
users have followed this narrative
1 day ago
author updated this narrative
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