Santander UK (SANB) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: 5.85%
• Average Volume (3M): 9.00K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.16
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: UK
• Employees: 18,000
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 125,000,000
• 10 Day Avg. Volume: 11,828
• 30 Day Avg. Volume: 8,996
• PEG Ratio: 1.95
• Price to Book (P/B): 1.64
• Price to Sales (P/S): 2.09
• P/FCF Ratio: -2.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 50 Neutral
• Price Target: 142.00 p ▼(-4.05% Downside)
• Action: Reiterated Date: 03/20/26
• Date: Action: Reiterated 03/20/26

The score is held back primarily by weak financial quality signals—especially several years of negative operating/free cash flow and rising leverage—despite positive reported profitability. Technicals also remain bearish with the stock below major moving averages and negative MACD. Offsetting these risks, the dividend yield is attractive, but valuation is hard to confirm because the P/E is not usable as provided.

Positive Factors

Stable UK retail & commercial franchise

Santander UK’s diversified retail and commercial franchise—covering current accounts, mortgages, personal and business lending, payments and distribution partnerships—generates recurring deposit and fee income. This multi-channel model supports durable customer relationships and steady core revenue over the medium term.

Negative Factors

Weak & volatile cash generation

Sustained negative operating and free cash flow across multiple years undermines the bank’s ability to self-fund growth, dividends and regulatory buffers. This persistent volatility increases dependence on external funding, raises refinancing risk and constrains capital allocation flexibility over the medium term.

Santander UK Business Overview & Revenue Model

Company Description

Santander UK plc, together with its subsidiaries, provides a range of banking and financial products and services in the United Kingdom. It operates through Retail Banking, Consumer Finance, Corporate & Commercial Banking, and Corporate Centre seg...

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Santander UK plc, together with its subsidiaries, provides a range of banking and financial products and services in the United Kingdom. It operates through Retail Banking, Consumer Finance, Corporate & Commercial Banking, and Corporate Centre seg...

How the Company Makes Money

Santander UK primarily makes money from net interest income: it collects interest on loans (notably residential mortgages, personal loans, credit products and business lending) and pays interest on customer deposits and wholesale funding; the spre...

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Santander UK primarily makes money from net interest income: it collects interest on loans (notably residential mortgages, personal loans, credit products and business lending) and pays interest on customer deposits and wholesale funding; the spre...

Santander UK Financial Statement Overview

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	16.78B	11.89B	12.78B	12.05B	7.24B	5.24B
Gross Profit	16.57B	4.54B	4.59B	4.89B	4.64B	4.66B
EBITDA	-1.03B	1.80B	1.65B	2.39B	2.17B	2.35B
Net Income	-2.96B	1.09B	971.00M	1.54B	1.39B	1.36B
Balance Sheet
Total Assets	275.45B	266.84B	259.94B	275.45B	285.21B	287.10B
Cash, Cash Equivalents and Short-Term Investments	46.70B	34.59B	38.92B	46.70B	50.21B	53.97B
Total Debt	44.95B	52.60B	38.25B	44.95B	34.12B	28.10B
Total Liabilities	260.82B	251.69B	246.17B	260.82B	270.81B	271.00B
Stockholders Equity	14.62B	15.15B	13.77B	14.62B	14.41B	16.10B
Cash Flow
Free Cash Flow	0.00	-9.21B	-3.86B	-1.52B	-3.47B	10.23B
Operating Cash Flow	0.00	-8.80B	-3.33B	-1.13B	-2.97B	10.85B
Investing Cash Flow	0.00	2.96B	-4.54B	-2.75B	-198.00M	3.08B
Financing Cash Flow	0.00	5.41B	285.00M	19.00M	277.00M	-10.75B

Santander UK Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 148.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:SANB, the sentiment is Positive. The current price of 148 is above the 20-day moving average (MA) of 140.47, above the 50-day MA of 143.88, and above the 200-day MA of 142.06, indicating a neutral trend. The MACD of -0.54 indicates Negative momentum. The RSI at 56.43 is Neutral, neither overbought nor oversold. The STOCH value of 59.82 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:SANB.

Santander UK Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
HSBA	80 Outperform	£228.95B	12.10	8.88%	4.27%	-11.86%	-24.31%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
LLOY	67 Neutral	£58.87B	10.47	9.93%	3.41%	-22.85%	-21.12%
NBS	66 Neutral	£1.36B	0.87	11.68%	―	24.32%	122.52%
NWG	64 Neutral	£48.83B	9.00	14.33%	3.85%	4.27%	26.21%
BARC	61 Neutral	£59.56B	9.37	9.41%	1.50%	14.18%	46.12%
SANB	50 Neutral	―	―	―	5.85%	―	―

Santander UK Corporate Events