| Company Name: | Santander Bancorp Holding Company | | Ticker Symbol: | SBP | | | WWW Address: | http://www.santandernet.com | | CEO: | Juan S. Moreno | | No. of Employees: | 1,768 | | Common Issue Type: | CS | | Business Description: | The Company offers a range of financial services through its subsidiaries. It operates in five segments: Commercial Banking, Mortgage Banking, Consumer Finance, Treasury and Investments, and Wealth Management.
|
| | | Industry Information: | BANKING - Foreign Money Center Banks [more like this] |
|
| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 11.29 |  0.2 | 10.26 | 12.5 | 11.26 | 11.58 | 11.14 | 31082 |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 526.6 | 46.6 | 0.60 | 0.23 | 0.36 | 30.5 | 3.5 | 14.50 - 5.18 |
|
| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 11.29 | $ | | PE Ratio - LTM | 30.5 | |
| Market Capitalisation | 526.6 | mil |
| Latest Shares Outstanding | 46.6 | mil |
| Earnings pS (EPS) | 0.23 | $ |
| Dividend pS (DPS) | 0.36 | ¢ |
| Dividend Yield | 3.5 | % |
| Dividend Payout Ratio | 157 | % |
| Revenue per Employee | 423,420 | $ |
| Effective Tax Rate | 0.0 | % |
| Float | 46.6 | mil |
| Float as % of Shares Outstanding | 99.9 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 28.6 | % |
| Pre-Tax Profit Margin | 2.8 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | 0.2 | % |
| Return on Equity (ROE) | 2.9 | % |
| Return on Capital Invested (ROCI) | 1.1 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 11.9 | |
| Interest Cover | 1.1 | |
| Total Debt/Equity (Gearing Ratio) | 2.01 | |
| LT Debt/Total Capital | 64.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 12.34 | $ |
| Tangible Book-Value pS | 9.11 | $ |
| Cash Flow pS | 0.36 | $ |
| Free Cash Flow pS | 9.20 | $ |
 |
| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.91 | |
| Price/Tangible Book Ratio | 1.24 | |
| Price/Cash Flow | 31.0 | |
| Price/Free Cash Flow | 1.2 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Dividend Declared Date | 05/28/2008 |
| Dividend Ex-Date | 06/05/2008 |
| Dividend Record Date | 06/09/2008 |
| Dividend Pay Date | 06/30/2008 |
| Dividend Amount | 100 |
| Type of Payment | Cash Payment |
| Dividend Rate | 0.40 |
| Current Dividend Yield | 3.5 |
| 5-Y Average Dividend Yield | 3.8 |
| Payout Ratio | 157.0 |
| 5-Y Average Payout Ratio | 57.0 |
|  | | Share price performance previous 3 years |
|
 | | | Share price performance intraday |
|
 | |
| |
| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | 1.8 | 100 | 250 | 310 |
| 4 Weeks | 11.72 | 10.50 | 11.50 | -1.8 | 92 | 279 | 4,459 |
| 13 Weeks | 12.02 | 7.73 | 8.72 | 29.5 | 120 | 444 | 26,612 |
| 26 Weeks | 12.02 | 5.18 | 7.36 | 53.4 | 127 | 476 | 58,971 |
| 52 Weeks | 14.50 | 5.18 | 9.88 | 14.3 | 93 | 487 | 120,768 |
| YTD | 13.49 | 5.18 | - | -9.6 | 74 | 466 | 105,421 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 11.15 | 11.11 | 11.06 | 8.45 | 8.21 | 0.60 | 0.61 |
|
| |
| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 7.76 | 45.6 | -3.41 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 0.00 |
| Capital Spending | 0.00 | NA | 0.00 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | -36.31 | NA | -28.15 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | -22.1 | -24.1 | -9.0 |
| Earnings % | 40.1 | 0.0 | 0.0 |
| EPS % | 41.2 | 0.0 | 0.0 |
| EPS $ | 0.14 | 0.40 | 1.01 |
|
| |
| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 69.29 |
| Free Cash Flow Margin 5YEAR AVG | -80.80 |
| Cash-Flow pS | 9.40 |
| Free Cash-Flow pS | 8.93 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 14.32 |
| Debt Ratio | 93.02 |
| Total Debt/Equity (Gearing Ratio) | 0.68 |
| LT Debt/Equity | 0.59 |
| LT Debt/Capital Invested | 37.17 |
| LT Debt/Total Liabilities | 4.44 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | 1.86 |
| Tobin's Q Ratio | 0.06 |
| Current P/E Ratio - LTM | 30.50 |
| Enterprise Value (EV)/EBITDA | 0.02 |
| Enterprise Value (EV)/Free Cash Flow | -7.08 |
| Dividend Yield | 3.5 |
| Price/Tangible Book Ratio - LTM | 1.24 |
| Price/Book Ratio - LTM | 0.91 |
| Price/Cash Flow Ratio | 31.0 |
| Price/Free Cash Flow Ratio - LTM | 1.2 |
| P/E Ratio (1 month ago) - LTM | 31.4 |
| P/E Ratio (26 weeks ago) - LTM | 0.0 |
| P/E Ratio (52 weeks ago) - LTM | 34.1 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 30.5 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 9.11 |
| Book Value pS - LTM | 12.34 |
| Capital Invested pS | 18.83 |
| Cash Flow pS - LTM | 0.36 |
| Free Cash Flow pS - LTM | 9.20 |
| Earnings pS (EPS) | 0.23 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 1.91 |
| Return on Equity (ROE) - 5YEAR AVRG. | 6.5 |
| Return on Capital Invested (ROCI) | 1.20 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 3.9 |
| Return on Assets (ROA) | 0.13 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.4 |
| EBIT Margin - LTM | 28.6 |
| EBITDA Margin - LTM | 28.6 |
| Pre-Tax Profit Margin | 1.12 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 23.41 |
| Net Profit Margin | 2.96 |
| Net Profit Margin - 5YEAR AVRG. | 15.97 |
| Effective Tax Rate | -162.82 |
| Effective Tax Rate - 5YEAR AVRG. | -10.89 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 350,964 |
| Net Income per Employee - LTM | 9,604 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 3,153.38 |
|
|  
|