SAN vs. WRB: A Head-to-Head Stock Comparison
Updated onHere’s a clear look at SAN and WRB, comparing key factors like historical performance, profitability, financial strength, growth, dividend, and valuation.
Company Profile
SAN trades as an American Depositary Receipt (ADR), offering U.S. investors a convenient way to access its foreign-listed shares. In contrast, WRB is a standard domestic listing.
| Symbol | SAN | WRB |
|---|---|---|
| Company Name | Banco Santander, S.A. | W. R. Berkley Corporation |
| Country | Spain | United States |
| GICS Sector | Financials | Financials |
| GICS Industry | Banks | Insurance |
| Market Capitalization | 139.36 billion USD | 27.18 billion USD |
| Exchange | NYSE | NYSE |
| Listing Date | July 30, 1987 | October 23, 1973 |
| Security Type | ADR | Common Stock |
Historical Performance
This chart compares the performance of SAN and WRB by tracking the growth of an initial $10,000 investment in each. Use the tabs to select the desired time period. Data is adjusted for dividends and splits.
Historical Performance at a Glance
| Symbol | SAN | WRB |
|---|---|---|
| 5-Day Price Return | -0.31% | -1.16% |
| 13-Week Price Return | 14.69% | -3.41% |
| 26-Week Price Return | 40.04% | 17.55% |
| 52-Week Price Return | 81.55% | 22.93% |
| Month-to-Date Return | 8.13% | 4.16% |
| Year-to-Date Return | 82.53% | 22.47% |
| 10-Day Avg. Volume | 18.80M | 1.70M |
| 3-Month Avg. Volume | 24.70M | 1.83M |
| 3-Month Volatility | 26.71% | 17.09% |
| Beta | 1.60 | 0.42 |
Profitability
Return on Equity (TTM)
SAN
12.99%
Banks Industry
- Max
- 26.37%
- Q3
- 15.92%
- Median
- 12.25%
- Q1
- 8.69%
- Min
- 0.15%
SAN’s Return on Equity of 12.99% is on par with the norm for the Banks industry, indicating its profitability relative to shareholder equity is typical for the sector.
WRB
20.10%
Insurance Industry
- Max
- 29.03%
- Q3
- 18.11%
- Median
- 13.90%
- Q1
- 10.42%
- Min
- -0.64%
In the upper quartile for the Insurance industry, WRB’s Return on Equity of 20.10% signals a highly effective use of shareholder capital to drive profitability compared to most of its peers.
Net Profit Margin (TTM)
SAN
17.09%
Banks Industry
- Max
- 54.20%
- Q3
- 35.70%
- Median
- 28.97%
- Q1
- 22.53%
- Min
- 6.98%
Falling into the lower quartile for the Banks industry, SAN’s Net Profit Margin of 17.09% indicates weaker profitability. This means the company retains a smaller portion of each dollar in sales as profit compared to its competitors.
WRB
12.32%
Insurance Industry
- Max
- 26.78%
- Q3
- 14.06%
- Median
- 9.15%
- Q1
- 5.48%
- Min
- -7.05%
WRB’s Net Profit Margin of 12.32% is aligned with the median group of its peers in the Insurance industry. This indicates its ability to convert revenue into profit is typical for the sector.
Operating Profit Margin (TTM)
SAN
23.76%
Banks Industry
- Max
- 63.35%
- Q3
- 44.59%
- Median
- 37.24%
- Q1
- 28.25%
- Min
- 13.37%
SAN’s Operating Profit Margin of 23.76% is in the lower quartile for the Banks industry. This indicates weaker profitability from core operations, which may stem from inefficiencies or competitive pressures on pricing.
WRB
16.84%
Insurance Industry
- Max
- 35.49%
- Q3
- 19.49%
- Median
- 14.35%
- Q1
- 8.53%
- Min
- -5.25%
In the Insurance industry, Operating Profit Margin is often not the primary measure of operational efficiency.
Profitability at a Glance
| Symbol | SAN | WRB |
|---|---|---|
| Return on Equity (TTM) | 12.99% | 20.10% |
| Return on Assets (TTM) | 0.70% | 4.27% |
| Net Profit Margin (TTM) | 17.09% | 12.32% |
| Operating Profit Margin (TTM) | 23.76% | 16.84% |
| Gross Profit Margin (TTM) | -- | -- |
Financial Strength
Current Ratio (MRQ)
SAN
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
For the Banks industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
WRB
0.92
Insurance Industry
- Max
- 2.97
- Q3
- 1.33
- Median
- 0.55
- Q1
- 0.15
- Min
- 0.00
For the Insurance industry, the Current Ratio is often not the most suitable measure of short-term liquidity.
Debt-to-Equity Ratio (MRQ)
SAN
3.14
Banks Industry
- Max
- 4.75
- Q3
- 2.62
- Median
- 1.02
- Q1
- 0.39
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Banks industry.
WRB
0.31
Insurance Industry
- Max
- 1.25
- Q3
- 0.65
- Median
- 0.34
- Q1
- 0.22
- Min
- 0.00
The Debt-to-Equity Ratio is often not the primary focus for assessing leverage in the Insurance industry.
Interest Coverage Ratio (TTM)
SAN
--
Banks Industry
- Max
- --
- Q3
- --
- Median
- --
- Q1
- --
- Min
- --
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Banks industry.
WRB
18.84
Insurance Industry
- Max
- 43.68
- Q3
- 20.84
- Median
- 9.56
- Q1
- 3.34
- Min
- -5.73
The Interest Coverage Ratio is often not a primary indicator of debt servicing capacity in the Insurance industry.
Financial Strength at a Glance
| Symbol | SAN | WRB |
|---|---|---|
| Current Ratio (MRQ) | -- | 0.92 |
| Quick Ratio (MRQ) | -- | 0.92 |
| Debt-to-Equity Ratio (MRQ) | 3.14 | 0.31 |
| Interest Coverage Ratio (TTM) | -- | 18.84 |
Growth
Revenue Growth
EPS Growth
Dividend
Dividend Yield (TTM)
SAN
0.00%
Banks Industry
- Max
- 10.27%
- Q3
- 5.83%
- Median
- 3.81%
- Q1
- 2.50%
- Min
- 0.00%
SAN currently does not pay a dividend, resulting in a yield of 0%. This is a common strategy for growth-focused companies that prioritize reinvesting earnings, though it may be less typical in mature, income-oriented sectors.
WRB
2.23%
Insurance Industry
- Max
- 8.23%
- Q3
- 4.54%
- Median
- 3.42%
- Q1
- 1.97%
- Min
- 0.00%
WRB’s Dividend Yield of 2.23% is consistent with its peers in the Insurance industry, providing a dividend return that is standard for its sector.
Dividend Payout Ratio (TTM)
SAN
22.00%
Banks Industry
- Max
- 147.07%
- Q3
- 80.55%
- Median
- 54.40%
- Q1
- 35.71%
- Min
- 0.00%
SAN’s Dividend Payout Ratio of 22.00% is in the lower quartile for the Banks industry. This suggests a conservative dividend policy, with a strategic focus on reinvesting profits for future growth.
WRB
34.10%
Insurance Industry
- Max
- 168.02%
- Q3
- 85.57%
- Median
- 50.71%
- Q1
- 22.04%
- Min
- 0.00%
WRB’s Dividend Payout Ratio of 34.10% is within the typical range for the Insurance industry, suggesting a balanced approach between shareholder payouts and company reinvestment.
Dividend at a Glance
| Symbol | SAN | WRB |
|---|---|---|
| Dividend Yield (TTM) | 0.00% | 2.23% |
| Dividend Payout Ratio (TTM) | 22.00% | 34.10% |
Valuation
Price-to-Earnings Ratio (TTM)
SAN
9.74
Banks Industry
- Max
- 20.05
- Q3
- 12.65
- Median
- 10.21
- Q1
- 7.54
- Min
- 2.74
SAN’s P/E Ratio of 9.74 is within the middle range for the Banks industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
WRB
15.27
Insurance Industry
- Max
- 28.91
- Q3
- 17.76
- Median
- 13.63
- Q1
- 10.02
- Min
- 2.89
WRB’s P/E Ratio of 15.27 is within the middle range for the Insurance industry. This suggests its valuation is in line with the sector average, representing neither a significant premium nor a discount compared to its peers.
Price-to-Sales Ratio (TTM)
SAN
0.89
Banks Industry
- Max
- 5.06
- Q3
- 2.98
- Median
- 2.24
- Q1
- 1.59
- Min
- 0.45
The P/S Ratio is often not a primary valuation tool in the Banks industry.
WRB
1.88
Insurance Industry
- Max
- 3.72
- Q3
- 1.98
- Median
- 1.23
- Q1
- 0.81
- Min
- 0.23
WRB’s P/S Ratio of 1.88 aligns with the market consensus for the Insurance industry. This suggests its valuation, based on sales, is seen as standard and is on par with its competitors.
Price-to-Book Ratio (MRQ)
SAN
0.93
Banks Industry
- Max
- 2.18
- Q3
- 1.36
- Median
- 1.09
- Q1
- 0.81
- Min
- 0.20
SAN’s P/B Ratio of 0.93 is within the conventional range for the Banks industry. This shows a balanced market view, where the stock’s price is neither at a significant premium nor a discount to the book value of its peers.
WRB
3.00
Insurance Industry
- Max
- 4.37
- Q3
- 2.48
- Median
- 1.68
- Q1
- 1.19
- Min
- 0.19
WRB’s P/B Ratio of 3.00 is in the upper tier for the Insurance industry. This indicates that investors are paying a premium relative to the company’s net assets, a valuation that hinges on its ability to generate superior profits.
Valuation at a Glance
| Symbol | SAN | WRB |
|---|---|---|
| Price-to-Earnings Ratio (TTM) | 9.74 | 15.27 |
| Price-to-Sales Ratio (TTM) | 0.89 | 1.88 |
| Price-to-Book Ratio (MRQ) | 0.93 | 3.00 |
| Price-to-Free Cash Flow Ratio (TTM) | 7.26 | 7.92 |