Banco Santander, S.A.

Banco Santander, S.A.

SAN
Banco Santander, S.A.US flagNew York Stock Exchange
14.93
USD
-0.12
- -
219.15BMarket Cap
Banco Santander, S.A.
SAN
(New York Stock Exchange)

Recent

price

14.93

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
4.76
3.66
4.58
3.55
3.49
3.11
3.04
3.09
2.74
2.99
2.7
2.8
3.22
3.51
3.89
4.03
3.91
Revenue per Share
0.9
0.44
0.23
0.37
0.45
0.37
0.39
0.39
0.4
0.35
-0.54
0.44
0.54
0.72
0.85
0.99
1.06
Basic EPS, GAAP
5.16
2.67
2.05
-3.33
-1.19
-0.23
0.9
1.94
-0.48
-0.63
3.33
2.62
1
-0.53
-2.24
-1.51
- -
Free Cash Flow per Basic Share
0.45
0.29
0.13
0.07
0.07
0.1
0.15
0.17
0.17
0.22
- -
0.08
0.11
0.14
0.19
0.22
- -
Dividend per Share
8.63
7.86
6.53
6.54
6.17
5.76
5.89
5.61
5.7
5.77
4.71
5.09
5.31
6.01
6.51
7.03
7.64
Book Value per Share
5.4
4.9
3.98
4.1
3.85
3.83
3.98
3.91
4.01
4.18
3.79
4.12
4.2
4.76
5.24
5.85
6.32
Tangible Book Value per Share
9,064
12,174
9,863
11,400
12,670
15,226
15,042
16,064
18,150
17,059
17,316
17,272
16,848
16,172
15,498
14,890
15,357
Basic Weighted Avg Shares
43,161
44,578
45,135
40,523
44,158
47,297
45,696
49,599
49,682
51,063
46,757
48,406
54,216
56,687
60,305
60,023
60,118
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
1,940
2,098
2,183
2,391
2,287
2,418
2,364
2,593
2,425
3,001
2,810
2,756
2,985
3,086
3,179
3,178
3,219
Depreciation Expense
8,181
5,330
2,283
4,175
5,816
5,966
6,204
6,619
7,810
6,515
-8,771
8,124
9,605
11,076
12,574
14,101
16,241
Net Income, GAAP
24.25
22.33
16.38
27.57
34.82
23.18
30.48
32.12
34.41
35.29
- -
33.64
29.42
25.86
27.92
25.28
24.56
Effective Tax Rate (%)
18.95
11.96
5.06
10.3
13.17
12.61
13.58
13.35
15.72
12.76
-18.76
16.78
17.72
19.54
20.85
23.49
27.02
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
222,982
220,287
224,206
191,615
213,695
226,160
228,869
218,168
246,809
266,319
237,724
248,329
282,254
310,393
327,197
284,939
348,067
LT Debt
80,915
80,814
81,212
79,642
89,714
98,753
102,699
106,833
107,361
110,659
91,322
97,053
97,585
104,241
107,327
112,748
115,898
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
11.39
7.13
3.12
5.88
7.52
6.74
6.56
6.71
7.59
6.02
-10.27
8.98
10.31
12.54
13.6
14.59
15.48
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
41,273
- -
- -
LT Borrowings
283,583
328,619
348,067
LT Finance Leases
1,356
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14,678
14,426
14,321
Market Capitalization
146,584
140,849
172,985

Working Capital

FRC

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
197,604
330,483
330,134
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
21,473
3,916
3,816
ST Debt
41,273
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
1.58%
4.33%
5.05%
Free Cash Flow
-105.69%
6.44%
-35.27%
Net Income, GAAP
-35.6%
-26.68%
12.14%
Sales/Revenue/Turnover
2.57%
5.2%
-0.47%
Total Cash Common Dividend
-1.29%
-1.79%
8.96%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
16,481
15,490
14,941
15,812
60,305
2025
15,002
14,332
14,177
14,978
60,023
2026
15,444
15,519
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.17
0.2
0.2
0.2
0.85
2025
0.21
0.22
0.23
0.24
0.99
2026
0.36
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
0.19
2025
- -
- -
- -
- -
0.22
2026
- -
- -
- -
- -
- -
Business
Banco Santander, S.A. (SAN) is a Spanish multinational banking group that provides a comprehensive range of retail and commercial banking, corporate and investment banking, payments processing, wealth management and insurance, and digital consumer finance services to individuals, small and medium-sized enterprises, and large corporations; key offerings include current and savings accounts, mortgages, personal and auto loans, credit cards, unsecured lending, deposit products, investment advice, portfolio management, trade finance, capital markets access, global transaction banking, acquiring services via platforms such as PagoNxt and Getnet, and buy-now-pay-later solutions through Zinia, supported by proprietary technologies like the Gravity cloud-based core banking platform and Plard card processing system. The bank operates in 10 core markets across Europe and the Americas, including Spain, the United Kingdom, Portugal, Poland, the United States, Mexico, Brazil, Chile, Argentina, Uruguay, Peru, and Colombia, serving over 155 million customers through extensive branch networks, digital channels, and subsidiaries. Founded in 1857 and headquartered at Santander Group City in Boadilla del Monte, Madrid, Spain, Banco Santander maintains a global presence with operations in major financial centers worldwide. In recent developments, the bank announced in July 2025 an agreement to acquire TSB Banking Group plc from Banco de Sabadell for £2.65 billion (€3.1 billion) in cash, a transaction expected to close in the first quarter of 2026 that will strengthen its UK franchise by expanding personal current account and mortgage market share, serving nearly 28 million combined retail and business customers, and delivering cost synergies of at least £400 million pre-tax alongside earnings per share accretion from year one; this follows the Q3 2025 announcement of merging Openbank and Santander Consumer Finance into a single entity to enhance efficiency. Earlier in 2025, Santander launched its €10 billion share buyback program using 2025-2026 earnings to boost shareholder value, reported record 2024 profits with a 14% increase driven by technology investments, and continued expansions such as opening Openbank in the US in 2024 and constructing the Santander Tower in Miami. The group restructured in 2023 into five global business lines—Payments, Corporate & Investment Banking, Wealth Management & Insurance, Retail & Commercial, and Digital Consumer Bank—to streamline operations, alongside leadership changes including Héctor Grisi as CEO in January 2023.

Company News

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  • Banco Santander, S.A. (NYSE:SAN) Given Average Recommendation of “Moderate Buy” by Brokerages

  • SAN Completes Webster Buyout: A Bold Push for Scale & Diversification

  • Santander Expands U.S. Presence with Completion of Webster Acquisition

  • Santander Expands U.S. Presence with Completion of Webster Acquisition

  • Reddit Set to Join S&P 500 and Sun Communities to Join S&P MidCap 400

  • Middle-Income Americans Value In-Person Support for Major Financial Decisions, Santander US Survey Finds

  • Santander's $12 Billion Webster Bank Deal Wins Fed Approval

  • Santander Receives Federal Reserve Approval for the Acquisition of Webster Financial Corporation

  • Crypto Market Today, July 31: Bitcoin Slides Below $63,000 and Coinbase Tumbles 10%

  • Bank of New York Mellon Corp Buys 373,646 Shares of Banco Santander, S.A. $SAN

  • Santander Brasil's net profit down 17.6% in Q2, missing estimates

  • Banco Santander Q2 Earnings Call Highlights

  • Santander Consolidates Global Tech Platforms to Drive Record Profits

  • Banco Santander Q2 Earnings Call Highlights

  • Santander Posts Lower Net Profit on Effects of TSB, Poland Deals

  • Santander's Q2 net profit up 3% compared to same period in 2025

  • SAN FRANCISCO

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  • Spain's Santander overhauls Asia-Pacific business, FT reports