Fresenius Medical Care Corporation (FMS)vsBanco Santander SA ADR (SAN)
FMS
Fresenius Medical Care Corporation
$22.26
+1.04%
HEALTHCARE · Cap: $12.47B
SAN
Banco Santander SA ADR
$10.90
-2.24%
FINANCIAL SERVICES · Cap: $163.16B
Smart Verdict
WallStSmart Research — data-driven comparison
Banco Santander SA ADR generates 139% more annual revenue ($46.84B vs $19.63B). SAN leads profitability with a 30.1% profit margin vs 5.0%. FMS appears more attractively valued with a PEG of 0.73. SAN earns a higher WallStSmart Score of 63/100 (C+).
FMS
Buy62
out of 100
Grade: C+
SAN
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+73.4%
Fair Value
$90.32
Current Price
$22.26
$68.06 discount
Margin of Safety
+72.4%
Fair Value
$45.40
Current Price
$10.90
$34.50 discount
Key Strengths & Concerns
Side-by-side fundamental analysis
Key Strengths
Attractively priced relative to earnings
Reasonable price relative to book value
Growing faster than its price suggests
Attractively priced relative to earnings
Reasonable price relative to book value
Keeps 30 of every $100 in revenue as profit
Strong operational efficiency at 43.7%
Large-cap with strong market position
Earnings expanding 25.3% YoY
Areas to Watch
4.2% earnings growth
Grey zone — moderate risk
ROE of 7.9% — below average capital efficiency
5.0% margin — thin
Expensive relative to growth rate
Revenue declined 6.4%
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : FMS
The strongest argument for FMS centers on P/E Ratio, Price/Book, PEG Ratio. PEG of 0.73 suggests the stock is reasonably priced for its growth.
Bull Case : SAN
The strongest argument for SAN centers on P/E Ratio, Price/Book, Profit Margin. Profitability is solid with margins at 30.1% and operating margin at 43.7%.
Bear Case : FMS
The primary concerns for FMS are EPS Growth, Altman Z-Score, Return on Equity. Thin 5.0% margins leave little buffer for downturns.
Bear Case : SAN
The primary concerns for SAN are PEG Ratio, Revenue Growth, Altman Z-Score. Debt-to-equity of 4.47 is elevated, increasing financial risk.
Key Dynamics to Monitor
FMS profiles as a value stock while SAN is a declining play — different risk/reward profiles.
FMS carries more volatility with a beta of 0.94 — expect wider price swings.
FMS is growing revenue faster at -0.3% — sustainability is the question.
Monitor MEDICAL CARE FACILITIES industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAN scores higher overall (63/100 vs 62/100), backed by strong 30.1% margins. FMS offers better value entry with a 73.4% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.
This analysis is generated from publicly available financial data. Not financial advice.
Fresenius Medical Care Corporation
HEALTHCARE · MEDICAL CARE FACILITIES · USA
Fresenius Medical Care AG & Co. KGaA provides dialysis care and related dialysis care services in Germany, North America and internationally. The company is headquartered in Bad Homburg, Germany.
Visit Website →Banco Santander SA ADR
FINANCIAL SERVICES · BANKS - DIVERSIFIED · USA
Banco Santander, SA, offers various commercial and retail banking products and services to individuals, small and medium-sized companies and large companies worldwide. The company is headquartered in Madrid, Spain.
Compare with Other MEDICAL CARE FACILITIES Stocks
Want to dig deeper into these stocks?