Kimberly-Clark Corporation (KMB)vsBanco Santander SA ADR (SAN)
KMB
Kimberly-Clark Corporation
$99.36
+0.44%
CONSUMER DEFENSIVE · Cap: $32.98B
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 185% more annual revenue ($46.84B vs $16.45B). SAN leads profitability with a 30.1% profit margin vs 12.3%. SAN appears more attractively valued with a PEG of 2.53. SAN earns a higher WallStSmart Score of 63/100 (C+).
KMB
Buy52
out of 100
Grade: C-
SAN
Buy63
out of 100
Grade: C+
Intrinsic Value Comparison
Multi-model valuation · Graham Formula
Margin of Safety
+9.3%
Fair Value
$118.58
Current Price
$99.36
$19.22 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
Every $100 of equity generates 127 in profit
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
Weak financial health signals
Expensive relative to growth rate
Trading at 21.9x book value
Revenue declined 0.6%
Expensive relative to growth rate
Revenue declined 6.4%
Distress zone — elevated risk
Elevated debt levels
Comparative Analysis Report
WallStSmart ResearchBull Case : KMB
The strongest argument for KMB centers on Return on Equity.
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 : KMB
The primary concerns for KMB are Piotroski F-Score, PEG Ratio, Price/Book. Debt-to-equity of 4.77 is elevated, increasing financial risk.
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
SAN carries more volatility with a beta of 0.92 — expect wider price swings.
KMB is growing revenue faster at -0.6% — sustainability is the question.
Monitor HOUSEHOLD & PERSONAL PRODUCTS industry trends, competitive dynamics, and regulatory changes.
Bottom Line
SAN scores higher overall (63/100 vs 52/100), backed by strong 30.1% margins. 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.
Kimberly-Clark Corporation
CONSUMER DEFENSIVE · HOUSEHOLD & PERSONAL PRODUCTS · USA
Kimberly-Clark Corporation is an American multinational personal care corporation that produces mostly paper-based consumer products. The company manufactures sanitary paper products and surgical & medical instruments. Kimberly-Clark brand name products include Kleenex facial tissue, Kotex feminine hygiene products, Cottonelle, Scott and Andrex toilet paper, Wypall utility wipes, KimWipes scientific cleaning wipes and Huggies disposable diapers and baby wipes.
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.
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