Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México
Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México Fundamental Analysis
Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México (BSMX) shows moderate financial fundamentals with a PE ratio of 4.83, profit margin of 27.56%, and ROE of 15.95%. The company generates $96.1B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 83.7/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze BSMX's fundamental strength across five key dimensions:
Efficiency Score
WeakBSMX struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBSMX trades at attractive valuation levels.
Growth Score
ModerateBSMX shows steady but slowing expansion.
Financial Health Score
ExcellentBSMX maintains a strong and stable balance sheet.
Profitability Score
ExcellentBSMX achieves industry-leading margins.
Key Financial Metrics
Is BSMX Expensive or Cheap?
P/E Ratio
BSMX trades at 4.83 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BSMX's PEG of 0.00 indicates potential undervaluation.
Price to Book
The market values Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México at 0.77 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.69 times EBITDA. This is generally considered low.
How Well Does BSMX Make Money?
Net Profit Margin
For every $100 in sales, Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México keeps $27.56 as profit after all expenses.
Operating Margin
Core operations generate 1.04 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $15.95 in profit for every $100 of shareholder equity.
ROA
Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México generates $1.44 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México generates strong operating cash flow of $39.60B, reflecting robust business health.
Free Cash Flow
Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México generates strong free cash flow of $32.43B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $23.91 in free cash annually.
FCF Yield
BSMX converts 25.36% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
4.83
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.003
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.77
vs 25 benchmark
P/S Ratio
Price to sales ratio
1.33
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.90
vs 25 benchmark
Current Ratio
Current assets to current liabilities
7.76
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.16
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.06
vs 25 benchmark
How BSMX Stacks Against Its Sector Peers
| Metric | BSMX Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 4.83 | 18.73 | Better (Cheaper) |
| ROE | 15.95% | 847.00% | Weak |
| Net Margin | 27.56% | 3919.00% | Weak |
| Debt/Equity | 0.90 | 0.93 | Neutral |
| Current Ratio | 7.76 | 674.76 | Strong Liquidity |
| ROA | 1.44% | -21563.00% (disorted) | Weak |
BSMX outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Banco Santander México, S.A., Institución de Banca Múltiple, Grupo Financiero Santander México's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical