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SAN vs UBS
Which Stock Would AI Choose? Banco Santander (SAN) vs. UBS Group (UBS) Stock Comparison
Key Takeaways
- SAN trades at a lower P/E ratio (price-to-earnings) of 12.2 compared to UBS's 17.6, suggesting better value for income-focused investors.
- Over the past year, SAN delivered a 67.6% return, outperforming UBS's 41.5%, driven by operational improvements and share buybacks.
- UBS shows stronger year-to-date gains at 8.7%, reflecting resilience in wealth management amid market volatility.
- Both stocks boast solid ROE (return on equity), with SAN at 12.7% edging out UBS's 8.9%, highlighting efficient capital use.
- Upcoming Q1 2026 earnings for both could shift sentiment, with SAN forecasting profits exceeding 2025 levels.
Introduction
Banco Santander (SAN) and UBS Group (UBS) represent two pillars of European banking: a retail powerhouse with global reach versus a wealth and investment banking leader. This comparison suits traders eyeing relative performance in a volatile market and investors assessing value amid interest rate shifts and economic uncertainty. By examining recent momentum, financial metrics, and sector dynamics, readers gain insights into positioning, risks, and opportunities in these large-cap financials, both trading on U.S. exchanges with strong dividend yields around 2.3-2.7%.
SAN Overview and Recent Performance
Banco Santander (SAN), a Spanish multinational bank, focuses on retail and commercial banking across Europe, Latin America, and North America. With a market cap near $174 billion, it emphasizes digital transformation and emerging market growth. In recent weeks, the stock hovered around $12, within a 52-week range of $6.82-$13.24, reflecting resilience after a 120% one-year surge fueled by high interest rates and efficiency gains. Sentiment has been supported by a €2.7 billion share buyback program and projections for 2026 profits surpassing 2025's €14.1 billion, though market cap dipped slightly amid broader financial sector pressures. Year-to-date returns stand at 1%, with upcoming Q1 earnings anticipated to highlight net interest income (NII) trends.
UBS Overview and Recent Performance
UBS Group (UBS), the Swiss financial giant, excels in wealth management, asset management, and investment banking, with $129 billion market cap and assets under management exceeding traditional peers. Recent market activity saw shares near $41.40, up over the past 30 days by about 8.7% within a 52-week span of $29.73-$49.36. Performance reflects steady gains from global equity rallies and advisory fees, tempered by U.S. wealth outflows challenging integration post-Credit Suisse. Year-to-date up 8.7%, bolstered by plans to add 3,000 jobs in India; Q1 results due soon may underscore revenue growth of 12% quarterly.
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Head-to-Head Comparison
SAN's retail-heavy model drives higher ROE (12.7%) and net income ($11.9B ttm) versus UBS's wealth/investment focus, yielding lower ROE (8.9%) but steadier fee income. Growth drivers differ: SAN leverages Latin America expansion and buybacks, while UBS benefits from M&A (mergers and acquisitions) advisory and Asia hiring. Recent momentum favors UBS (YTD +8.7%), but SAN offers superior one-year gains. Risks include regulatory scrutiny for both, with SAN exposed to emerging markets volatility and UBS to outflows/NCO (net credit losses). Market sentiment tilts value toward SAN's lower P/E, versus UBS's growth premium.
Tickeron AI Verdict
Tickeron's AI currently favors SAN for its compelling value metrics, including a lower P/E ratio, higher ROE, and robust profit outlook amid stable trends. While UBS exhibits stronger short-term momentum, SAN's relative positioning and catalysts like buybacks suggest higher probability of outperformance in the near term, barring earnings surprises.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full Disclaimers and Limitations.
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is SAN is a Buy and UBS is a Buy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
SAN’s FA Score shows that 3 FA rating(s) are green whileUBS’s FA Score has 2 green FA rating(s).
- SAN’s FA Score: 3 green, 2 red.
- UBS’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
SAN’s TA Score shows that 6 TA indicator(s) are bullish while UBS’s TA Score has 4 bullish TA indicator(s).
- SAN’s TA Score: 6 bullish, 2 bearish.
- UBS’s TA Score: 4 bullish, 5 bearish.
Price Growth
SAN (@Major Banks) experienced а +5.93% price change this week, while UBS (@Major Banks) price change was +4.17% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +3.43%. For the same industry, the average monthly price growth was +8.48%, and the average quarterly price growth was +16.81%.
Reported Earning Dates
SAN is expected to report earnings on Jul 22, 2026.
UBS is expected to report earnings on Jul 29, 2026.
Industries' Descriptions
@Major Banks (+3.43% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
| SAN | UBS | SAN / UBS | |
| Capitalization | 183B | 160B | 114% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 11.062 | 8.505 | 130% |
| P/E Ratio | 12.62 | 17.55 | 72% |
| Revenue | 60.5B | 49.1B | 123% |
| Total Cash | N/A | 210B | - |
| Total Debt | 329B | 344B | 96% |
SAN | UBS | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 19 | 39 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 68 Overvalued | |
PROFIT vs RISK RATING 1..100 | 7 | 13 | |
SMR RATING 1..100 | 4 | 8 | |
PRICE GROWTH RATING 1..100 | 42 | 41 | |
P/E GROWTH RATING 1..100 | 21 | 71 | |
SEASONALITY SCORE 1..100 | 75 | 50 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
UBS's Valuation (68) in the Major Banks industry is in the same range as SAN (72). This means that UBS’s stock grew similarly to SAN’s over the last 12 months.
SAN's Profit vs Risk Rating (7) in the Major Banks industry is in the same range as UBS (13). This means that SAN’s stock grew similarly to UBS’s over the last 12 months.
SAN's SMR Rating (4) in the Major Banks industry is in the same range as UBS (8). This means that SAN’s stock grew similarly to UBS’s over the last 12 months.
UBS's Price Growth Rating (41) in the Major Banks industry is in the same range as SAN (42). This means that UBS’s stock grew similarly to SAN’s over the last 12 months.
SAN's P/E Growth Rating (21) in the Major Banks industry is somewhat better than the same rating for UBS (71). This means that SAN’s stock grew somewhat faster than UBS’s over the last 12 months.
| SAN | UBS | |
|---|---|---|
| RSI ODDS (%) | N/A | 3 days ago 67% |
| Stochastic ODDS (%) | 3 days ago 78% | 3 days ago 62% |
| Momentum ODDS (%) | 3 days ago 73% | 3 days ago 63% |
| MACD ODDS (%) | 3 days ago 64% | 3 days ago 56% |
| TrendWeek ODDS (%) | 3 days ago 73% | 3 days ago 65% |
| TrendMonth ODDS (%) | 3 days ago 71% | 3 days ago 56% |
| Advances ODDS (%) | 3 days ago 72% | 3 days ago 65% |
| Declines ODDS (%) | 24 days ago 56% | 18 days ago 63% |
| BollingerBands ODDS (%) | 3 days ago 60% | 3 days ago 44% |
| Aroon ODDS (%) | 3 days ago 74% | 3 days ago 53% |
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SAN and
Correlation & Price change
A.I.dvisor indicates that over the last year, SAN has been closely correlated with BBVA. These tickers have moved in lockstep 77% of the time. This A.I.-generated data suggests there is a high statistical probability that if SAN jumps, then BBVA could also see price increases.
| Ticker / NAME | Correlation To SAN | 1D Price Change % | ||
|---|---|---|---|---|
| SAN | 100% | +2.47% | ||
| BBVA - SAN | 77% Closely correlated | +0.82% | ||
| ING - SAN | 74% Closely correlated | +1.79% | ||
| BCS - SAN | 72% Closely correlated | +2.91% | ||
| HSBC - SAN | 72% Closely correlated | +2.15% | ||
| UBS - SAN | 60% Loosely correlated | +1.62% | ||
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