Santander Holdings USA, Inc. Depositary Shares, Each Representing a 1/40th Interest in a Share of Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Ser Financial Ratios — SNUS/PI

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	-7.42	- -	- -	3.33	3.48	-4.01	14.07	7.03	5.67	6.91	10.41
Return on Assets (%)	- -	- -	- -	- -	-1.08	- -	0.41	0.54	0.53	-0.56	1.93	0.86	0.56	0.65	1
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	0.92	0.65	- -	3.52	2.22	- -	- -	2.92
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	- -	42.97	-38.79	- -	9.09	15.74	15.72	-7.68	47.63	18.34	8.82	11.06	20.32
Profit Margin (%)	- -	- -	- -	23.46	-14.88	- -	6.27	7.86	7.82	-8.42	30.19	14.74	10.46	12.27	18.15
Net Income to Common Margin (%)	- -	- -	- -	23.46	-14.88	- -	6.27	7.86	7.82	-8.42	30.19	14.74	10.46	12.27	18.15
Effective Tax Rate (%)	- -	- -	11.28	35.54	- -	- -	- -	30.06	31.19	- -	23.03	19.63	- -	- -	10.66
Dvd Payout Ratio (%)	- -	- -	- -	0.62	-0.45	- -	- -	33.02	30.06	-26.47	- -	338.08	331.31	120.84	93.1
Sustainable Growth Rate (%)	- -	- -	- -	- -	-7.45	- -	- -	2.23	2.43	-5.07	14.07	-16.75	-13.11	-1.44	0.72

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	- -	- -	- -	39,679	49,829	- -	- -	44,954	50,654	46,359	41,133	43,588	44,144	44,011	37,102
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26,967	29,073	23,156	25,123	22,657
LT Debt	- -	- -	- -	39,679	49,829	- -	- -	44,954	50,654	46,359	14,166	14,515	20,988	18,888	14,445
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	15.72	13.56	- -	16.51	15.72	14.73	13.31	14.09	10.36	9.4	9.49	9.69
Long-Term Debt/Equity (%)	- -	- -	- -	174.59	228.08	- -	- -	188.51	207.61	218.03	57.9	83.28	135.4	120.5	90.59
Long-Term Debt/Capital (%)	- -	- -	- -	63.58	69.52	- -	- -	65.34	67.49	68.56	21.59	23.79	35.19	31.65	27.23
Long-Term Debt/Total Assets (%)	- -	- -	- -	33.39	35.31	- -	- -	33.14	33.88	31.02	8.86	8.63	12.72	11.43	8.78
Total Debt/Equity (%)	- -	- -	- -	174.59	228.08	- -	- -	188.51	207.61	218.03	168.11	250.08	284.78	280.76	232.69
Total Debt/Capital (%)	- -	- -	- -	63.58	69.52	- -	- -	65.34	67.49	68.56	62.7	71.44	74.01	73.74	69.94
Total Debt/Total Assets (%)	- -	- -	- -	33.39	35.31	- -	- -	33.14	33.88	31.02	25.74	25.92	26.76	26.63	22.54
Net Debt to Equity	- -	- -	- -	164.9	184.84	- -	- -	155.84	176.28	158.67	89.21	191.46	200.15	162.41	142.51
Net Debt/Capital (%)	- -	- -	- -	62.25	64.89	- -	- -	60.91	63.8	61.34	47.15	65.69	66.68	61.89	58.77
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	- -	- -	- -	15.72	13.56	- -	16.51	15.72	14.73	13.31	14.09	10.36	9.4	9.49	9.69
Long-Term Debt/Equity (%)	- -	- -	- -	174.59	228.08	- -	- -	188.51	207.61	218.03	57.9	83.28	135.4	120.5	90.59
Long-Term Debt/Capital (%)	- -	- -	- -	63.58	69.52	- -	- -	65.34	67.49	68.56	21.59	23.79	35.19	31.65	27.23
Long-Term Debt/Total Assets (%)	- -	- -	- -	33.39	35.31	- -	- -	33.14	33.88	31.02	8.86	8.63	12.72	11.43	8.78
Total Debt/Equity (%)	- -	- -	- -	174.59	228.08	- -	- -	188.51	207.61	218.03	168.11	250.08	284.78	280.76	232.69
Total Debt/Capital (%)	- -	- -	- -	63.58	69.52	- -	- -	65.34	67.49	68.56	62.7	71.44	74.01	73.74	69.94
Total Debt/Total Assets (%)	- -	- -	- -	33.39	35.31	- -	- -	33.14	33.88	31.02	25.74	25.92	26.76	26.63	22.54
CFO/Total Liabilities	- -	- -	- -	4.6	4.26	4.55	4.75	6.28	5.47	4.11	6.31	3.51	1.28	0.77	1.35
CFO/CapEx	- -	- -	- -	0.68	0.84	- -	- -	0.7	0.78	0.75	1.13	0.88	0.3	0.25	0.87
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	9.45	- -	- -	- -	- -	- -	- -	15.73	17.33	16.92	17.69	16.33	11.79	10.48	10.85
Days Sales Outstanding	38.63	- -	- -	- -	- -	- -	- -	23.2	21.07	21.57	20.64	22.36	30.96	34.83	33.65
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	- -	- -	- -	2,202	9,447	- -	- -	7,791	7,644	12,621	19,306	10,218	13,118	18,552	14,379
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	270	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	4,052	2,445	- -	2,517	2,526	2,377	1,376	1,953	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	39,679	49,829	- -	- -	44,954	50,654	46,359	41,133	43,588	44,144	44,011	37,102
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	- -	- -	- -	62,407	71,676	- -	23,691	68,801	75,053	67,622	65,601	61,018	59,645	59,686	53,047
Total Debt/Capital (%)	- -	- -	- -	63.58	69.52	- -	- -	65.34	67.49	68.56	62.7	71.44	74.01	73.74	69.94
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	4,874	- -	- -	10,955	9,422	8,838	8,812	9,001	9,631	9,981	9,879	9,532	8,917	8,780	9,064
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	1,369	4,425	- -	- -	- -	7,015	6,849	- -	8,539	5,285	- -	- -	2,007
TTM Free Cash Flow to Firm	- -	- -	1,369	-2,111	- -	- -	- -	-3,005	-1,965	- -	968	-725	- -	- -	-303

Multiples (USD)

Valuation Multiples API ChatGPT

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Per Share Data Items (USD)

Per-Share Data API ChatGPT

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