COMP <GO>
SAN vs BAC // ALTMAN Z-SCORE & DEBT/EQUITY
Banco Santander S.A. Sponsored ADR (Spain) (NYSE) VS. Bank of America Corporation (NYSE) • 15-METRIC TALLY: SAN 5
— BAC 7
▲ ALTMAN Z-SCORE & DEBT/EQUITY LEADER: SAN
LAST: $11.19 (-4.77%) • MKT CAP: $170.08B
balance-sheet
3.74
LAST: $50.01 (-2.21%) • MKT CAP: $357.61B
balance-sheet
0.45
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (SAN VS. BAC)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | SAN | BAC | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 41.00% | 41.00% | 0.00 | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 9.90% | 2.50% | +7.40 | SAN | /roic <GO> |
| EV/EBITDA & P/E Valuation | 21.0x | 30.2x | -9.20 | SAN | /valuation <GO> |
| Free Cash Flow Yield | 2.21% | 2.10% | +0.11 | SAN | /fcf-yield <GO> |
| Operating Margin | 13.90% | 32.90% | -19.00 | BAC | /operating-margins <GO> |
| Net Profit Margin | 10.90% | 27.00% | -16.10 | BAC | /net-margins <GO> |
| Revenue Growth (YoY) | 1.10% | 6.80% | -5.70 | BAC | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity ACTIVE | 3.74 | 0.45 | +3.29 | SAN | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | 6.50% | 6.60% | -0.10 | SAN | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 21.1 | 27.7 | -6.54 | BAC | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | 0.88 | 0.90 | -0.02 | BAC | /macro-sensitivity <GO> |
| Forward P/E Multiple | 30.5x | 10.9x | +19.60 | BAC | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $170.08B | $357.61B | -$187.53B | BAC | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | SAN REV | BAC REV | SAN GROSS % | BAC GROSS % | SAN FCF | BAC FCF |
|---|---|---|---|---|---|---|
| FY 2025 | — | $113.10B | — | 44.0% | — | $7.52B |
| FY 2024 | — | $105.86B | — | 44.0% | — | -$13.57B |
| FY 2023 | — | $102.77B | — | 44.0% | — | $40.36B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
SAN // BETA 0.88
BAC // BETA 0.90