WallStSmart

Banco Santander SA ADR (SAN)vsVodafone Group PLC ADR (VOD)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Banco Santander SA ADR generates 21% more annual revenue ($46.84B vs $38.78B). SAN leads profitability with a 30.1% profit margin vs -11.4%. VOD appears more attractively valued with a PEG of 0.61. SAN earns a higher WallStSmart Score of 63/100 (C+).

SAN

Buy

63

out of 100

Grade: C+

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

VOD

Buy

51

out of 100

Grade: C-

Growth: 6.0Profit: 3.5Value: 6.7Quality: 5.0
Piotroski: 6/9Altman Z: -0.58
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

SANUndervalued (+72.4%)

Margin of Safety

+72.4%

Fair Value

$45.40

Current Price

$10.90

$34.50 discount

UndervaluedFair: $45.40Overvalued

Intrinsic value data unavailable for VOD.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

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

VOD2 strengths · Avg: 8.0/10
PEG RatioValuation
0.618/10

Growing faster than its price suggests

Free Cash FlowQuality
$2.05B8/10

Generating 2.0B in free cash flow

Areas to Watch

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

VOD4 concerns · Avg: 1.8/10
Return on EquityProfitability
-6.6%2/10

ROE of -6.6% — below average capital efficiency

EPS GrowthGrowth
-15.4%2/10

Earnings declined 15.4%

Altman Z-ScoreHealth
-0.582/10

Distress zone — elevated risk

Profit MarginProfitability
-11.4%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

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%.

Bull Case : VOD

The strongest argument for VOD centers on PEG Ratio, Free Cash Flow. PEG of 0.61 suggests the stock is reasonably priced for its 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.

Bear Case : VOD

The primary concerns for VOD are Return on Equity, EPS Growth, Altman Z-Score.

Key Dynamics to Monitor

SAN profiles as a declining stock while VOD is a turnaround play — different risk/reward profiles.

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

VOD is growing revenue faster at 7.3% — sustainability is the question.

Monitor BANKS - DIVERSIFIED industry trends, competitive dynamics, and regulatory changes.

Bottom Line

SAN scores higher overall (63/100 vs 51/100), 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.

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.

Vodafone Group PLC ADR

COMMUNICATION SERVICES · TELECOM SERVICES · USA

Vodafone Group Plc is engaged in telecommunications services in Europe and internationally. The company is headquartered in Newbury, the United Kingdom.

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