WallStSmart

Gilead Sciences Inc (GILD)vsBanco Santander SA ADR (SAN)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Banco Santander SA ADR generates 59% more annual revenue ($46.84B vs $29.44B). SAN leads profitability with a 30.1% profit margin vs 28.9%. GILD appears more attractively valued with a PEG of 0.38. GILD earns a higher WallStSmart Score of 72/100 (B).

GILD

Strong Buy

72

out of 100

Grade: B

Growth: 5.3Profit: 9.5Value: 10.0Quality: 5.5
Piotroski: 6/9

SAN

Buy

63

out of 100

Grade: C+

Growth: 6.0Profit: 7.5Value: 7.3Quality: 3.8
Piotroski: 4/9Altman Z: 0.38
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GILDUndervalued (+53.9%)

Margin of Safety

+53.9%

Fair Value

$299.95

Current Price

$138.26

$161.69 discount

UndervaluedFair: $299.95Overvalued
SANUndervalued (+72.4%)

Margin of Safety

+72.4%

Fair Value

$45.40

Current Price

$10.90

$34.50 discount

UndervaluedFair: $45.40Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GILD6 strengths · Avg: 9.3/10
PEG RatioValuation
0.3810/10

Growing faster than its price suggests

Return on EquityProfitability
40.7%10/10

Every $100 of equity generates 41 in profit

Operating MarginProfitability
37.4%10/10

Strong operational efficiency at 37.4%

Market CapQuality
$171.45B9/10

Large-cap with strong market position

Profit MarginProfitability
28.9%9/10

Keeps 29 of every $100 in revenue as profit

EPS GrowthGrowth
23.4%8/10

Earnings expanding 23.4% YoY

SAN6 strengths · Avg: 9.5/10
P/E RatioValuation
11.5x10/10

Attractively priced relative to earnings

Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Profit MarginProfitability
30.1%10/10

Keeps 30 of every $100 in revenue as profit

Operating MarginProfitability
43.7%10/10

Strong operational efficiency at 43.7%

Market CapQuality
$163.16B9/10

Large-cap with strong market position

EPS GrowthGrowth
25.3%8/10

Earnings expanding 25.3% YoY

Areas to Watch

GILD1 concerns · Avg: 4.0/10
Revenue GrowthGrowth
4.7%4/10

4.7% revenue growth

SAN4 concerns · Avg: 1.8/10
PEG RatioValuation
2.532/10

Expensive relative to growth rate

Revenue GrowthGrowth
-6.4%2/10

Revenue declined 6.4%

Altman Z-ScoreHealth
0.382/10

Distress zone — elevated risk

Debt/EquityHealth
4.471/10

Elevated debt levels

Comparative Analysis Report

WallStSmart Research

Bull Case : GILD

The strongest argument for GILD centers on PEG Ratio, Return on Equity, Operating Margin. Profitability is solid with margins at 28.9% and operating margin at 37.4%. PEG of 0.38 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 : GILD

The primary concerns for GILD are Revenue Growth.

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

GILD profiles as a value stock while SAN is a declining play — different risk/reward profiles.

SAN carries more volatility with a beta of 0.92 — expect wider price swings.

GILD is growing revenue faster at 4.7% — sustainability is the question.

Monitor DRUG MANUFACTURERS - GENERAL industry trends, competitive dynamics, and regulatory changes.

Bottom Line

GILD scores higher overall (72/100 vs 63/100), backed by strong 28.9% margins. SAN offers better value entry with a 72.4% margin of safety. Both earn "Strong 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.

Gilead Sciences Inc

HEALTHCARE · DRUG MANUFACTURERS - GENERAL · USA

Gilead Sciences, Inc. is an American biopharmaceutical company headquartered in Foster City, California, that focuses on researching and developing antiviral drugs used in the treatment of HIV, hepatitis B, hepatitis C, and influenza, including Harvoni and Sovaldi.

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.

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