Banco Santander, S.A.

Banco Santander, S.A.

SAN
Banco Santander, S.A.US flagNew York Stock Exchange
12.16
USD
-0.25
- -
178.49BMarket Cap
Banco Santander, S.A.
SAN
(New York Stock Exchange)

Recent

price

12.16

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
3.82
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
1.05
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
1.36
0.8
0.75
0.86
4.26
3.92
4.22
4.24
4
4.45
3.78
4.46
5.03
5.77
6.61
7.62
7.48
Book Value per Share
5.83
4.33
5.39
4.68
4.68
4.55
4.87
4.86
4.34
4.86
4.36
4.66
4.69
5.22
5.68
6.41
6.16
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
15,417
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
58,931
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
3,184
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
16,154
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
24.44
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
27.41
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
328,619
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
112,548
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
64.41
48.17
26.5
48.3
17.82
10.02
9.54
9.46
10.3
7.97
-13.19
10.6
11.22
13
13.48
13.64
14.61
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
41,273
- -
LT Borrowings
316,623
283,583
328,619
LT Finance Leases
- -
1,356
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
14,818
14,678
14,426
Market Capitalization
141,466
156,572
150,520

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
343,459
197,604
330,483
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
3,537
21,473
3,916
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
- -
- -
- -
- -

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

APIChat
  • BRODSKY & SMITH SHAREHOLDER UPDATE: Notifying Investors of the Following Investigations: Dominion Energy, Inc. (NYSE – D), Global Business Travel Group, Inc. (NYSE – GBTG), Webster Financial Corporation (NYSE – WBS), TopBuild Corp. (NYSE – BLD)

  • Santander US Survey Finds Resilient Consumers in Need of Vehicles, Used-Car Demand Persists

  • Santander plans to retire TSB brand, FT reports

  • Spanish bank Sabadell sells TSB to Banco Santander for 3.3 billion euros

  • Santander completes £2.65B takeover of TSB

  • Webster Financial Investor Alert: Kahn Swick & Foti, LLC Investigates Adequacy of Price and Process in Proposed Sale of Webster Financial Corporation - WBS

  • Are Investors Undervaluing Banco Santander (SAN) Right Now?

  • Santander to invest $67 mln in Ebury via Centerbridge-led funding rounds

  • Banco Santander, S.A. (SAN) Q1 2026 Earnings Call Transcript

  • Press Release: Annual General Meeting of April 29, 2026 - Belén Garijo appointed as Director and Chief Executive Officer of Sanofi

  • Santander Books Jump in Profit on Top-Line Growth, Lower Costs

  • Santander's Q1 net profit up 60% vs same period in 2025 boosted by one-off

  • 3 European Bank Stocks Nearing New 52-Week Highs

  • Banco Santander (SAN) Projected to Post Earnings on Wednesday

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

  • Santander suspends buyback pending shareholder approval of Webster deal in US

  • Securities Fraud Investigation Into Banco Santander, S.A. (SAN) Continues – Shareholders Who Lost Money Urged to Contact Glancy Prongay Wolke & Rotter LLP, a Leading Securities Fraud Law Firm

  • Banco Santander, S.A. (SAN) Shareholders Who Lost Money – Contact Law Offices of Howard G.

  • Securities Fraud Investigation Into Banco Santander, S.A. (SAN) Continues – Shareholders Who Lost Money Urged To Contact The Law Offices of Frank R.

  • Press Release: ESCMID: Sanofi's Nuvaxovid COVID-19 vaccine showed better tolerability than mNEXSPIKE in head-to-head study