Banco Santander, S.A. SAN FINANCIAL
Company Overview
Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; corporate and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. The company was incorporated in 1856 and is headquartered in Madrid, Spain.
Why Investors Should Care
Net profit has compounded at 13.7% per year over the last five years.
Trades at an undemanding P/E of 14.6.
Maintains a net profit margin of 33.5%.
Recent Developments
- Dec 2025 Revenue of $60.02B (-0.5% YoY); net profit $14.10B.
- Trailing 12 Months Year-on-year growth — revenue +10.2%, earnings +8.7%.
- 5-Year Trend Long-term compounding — revenue CAGR 3.5%, profit CAGR 13.7%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 3.45% |
| 1 Year: | 10.20% |
Compounded Profit Growth
| 5 Years: | 13.65% |
| 1 Year: | 8.70% |
Stock Price Performance
| 1 Year: | +57.85% |
| 6 Months: | +34.31% |
| 3 Months: | +22.20% |
| 1 Month: | +1.09% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)58.06 · Neutral
P/E of 14.57 is above the sector median of 12.89 — pricier than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 33.5%.
- Profit CAGR of 13.7% over 5 years.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
No notable concerns flagged.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | SAN Banco Santander, S.A. FINANCIAL | 14.86 | 14.57 | $215.60B | 1.88% | - | 13.11% | 3.45% | 13.65% |
| 2 | JPM JPMorgan Chase & Co. SPXR3KFINANCIAL | 353.51 | 15.15 | $939.70B | 1.72% | - | 17.79% | 12.50% | 14.83% |
| 3 | BRK-B Berkshire Hathaway Inc. SPXFINANCIAL | 505.83 | 12.72 | $712.23B | 0.00% | - | 12.12% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPXR3KFINANCIAL | 368.64 | 31.35 | $628.20B | 0.72% | 37.15% | 61.19% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPXR3KFINANCIAL | 570.89 | 31.44 | $496.37B | 0.62% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPXR3KFINANCIAL | 62.39 | 14.41 | $436.28B | 2.04% | - | 11.20% | 3.14% | 4.27% |
| 7 | BRK-A Berkshire Hathaway Inc. FINANCIAL | 757,791.00 | 12.71 | $370.14B | 0.00% | - | 12.12% | 7.60% | 10.02% |
| 8 | HSBC HSBC Holdings plc FINANCIAL | 106.26 | 15.18 | $363.70B | 3.65% | - | 13.10% | 9.75% | 12.72% |
| 9 | MS Morgan Stanley SPXR3KFINANCIAL | 216.24 | 17.48 | $339.62B | 2.26% | - | 17.97% | 3.76% | 9.66% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | - | 14.33B | 14.18B | 14.98B | 15.44B | 15.52B |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | 15.29B | - | - | - | 14.23B | - |
| Pretax Income | - | - | 4.42B | 4.66B | 4.92B | 5.03B | 4.93B |
| Tax Provision | - | - | 1.04B | 1.19B | 1.16B | 1.25B | 1.19B |
| Net Income | - | - | 3.43B | 3.50B | 3.76B | 5.46B | 3.52B |
| Diluted EPS | - | 0.21 | 0.22 | 0.22 | 0.24 | 0.36 | - |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 54.22B | 56.69B | 60.30B | 60.02B |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 32.81B | 61.09B | 65.22B | 59.36B |
| Pretax Income | - | 15.25B | 15.01B | 17.35B | 18.68B |
| Tax Provision | - | 4.49B | 3.88B | 4.84B | 4.72B |
| Net Income | - | 9.61B | 11.08B | 12.57B | 14.10B |
| Diluted EPS | - | 0.54 | 0.65 | 0.77 | 0.90 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Total Assets | - | 1.73T | 1.80T | 1.84T | 1.87T |
| Current Assets | - | - | - | - | - |
| Cash & Equivalents | - | 259.02B | 246.90B | 217.89B | 179.30B |
| Inventory | - | - | - | - | - |
| Receivables | - | 49.03B | 10.62B | 11.43B | 11.13B |
| Total Liabilities | - | 1.64T | 1.69T | 1.73T | 1.75T |
| Current Liabilities | - | - | - | - | - |
| Long Term Debt | - | 280.34B | 308.58B | 325.52B | 283.58B |
| Total Debt | - | 282.96B | 310.98B | 327.72B | 326.21B |
| Total Equity | - | 89.10B | 95.42B | 98.60B | 103.17B |
| Shares Outstanding | - | 16.79B | 16.18B | 15.15B | 14.69B |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Operating Cash Flow | 27.71B | 5.01B | -24.16B | -14.84B |
| Investing Cash Flow | -3.90B | -5.37B | -3.71B | 534.00M |
| Financing Cash Flow | -9.96B | -2.06B | -5.51B | -14.20B |
| Capital Expenditure | -10.84B | -13.64B | -10.60B | -7.66B |
| Free Cash Flow | 16.87B | -8.63B | -34.75B | -22.49B |
| Net Change in Cash | 13.84B | -2.41B | -33.38B | -28.50B |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 17.7% | 19.5% | 20.9% | 23.5% |
| ROE % | - | 10.8% | 11.6% | 12.8% | 13.7% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Morgan Stanley | 0.59% | 88.35M | $1.26B |
| 2 | Goldman Sachs Group Inc | 0.31% | 47.11M | $674.16M |
| 3 | FMR, LLC | 0.28% | 41.37M | $592.05M |
| 4 | Fisher Asset Management, LLC | 0.22% | 32.89M | $470.60M |
| 5 | Mondrian Investment Partners Ltd | 0.13% | 19.39M | $277.40M |
| 6 | Blackrock Inc. | 0.12% | 17.75M | $253.97M |
| 7 | Capital International Investors | 0.09% | 14.10M | $201.75M |
| 8 | Northern Trust Corporation | 0.09% | 12.97M | $185.58M |
| 9 | Chevy Chase Trust Holdings, LLC | 0.09% | 14.00M | $200.39M |
| 10 | Bank of America Corporation | 0.08% | 12.04M | $172.28M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for SAN
Banco Santander (BME:SAN) Stock Looks Cheap Relative To Fair Value - finance.yahoo.com
<a href="https://news.google.com/rss/articles/CBMimgFBVV95cUxONHFPTlZ0R1hRR2NaUkdYVE51R0pZalRud3ltdmI3UkVWNVV6TWs0cElEM2daZmZtZEtBeVZCZGZSNnRDZ01xN1RucDFBVDNGQy1nTlNXUXo2U0t6RnItbERjeE9odFFTREtSX0ViUERVRWhFejhiV3owNmRjZEIwVXhyMmxocHUzWUVGeE…
Banco Santander (NYSE: SAN) has spent €305.9M on buybacks, repurchasing 18.1% of its 2021 shares - Stock Titan
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Banco Santander (NYSE:SAN) Stock Passes Above 200 Day Moving Average - What's Next? - marketbeat.com
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Keith Urban headlines San Antonio Stock Show & Rodeo’s first round of performers for 2027 - KSAT
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SAN - Banco Santander SA ADR Stock Price and Quote - Finviz
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SAN — Frequently Asked Questions
What is the current share price of Banco Santander, S.A. (SAN)?
As of 2026-09-19 21:16 PDT, Banco Santander, S.A. (SAN) trades at $14.86 on NYSE. Its 52-week range is $9.26 to $15.05.
What is the market capitalisation of SAN?
Banco Santander, S.A. (SAN) has a market capitalisation of $215.60B on NYSE.
What is the P/E ratio of SAN?
SAN trades at a trailing price-to-earnings (P/E) ratio of 14.57. The industry average P/E is 12.89. Its price-to-book (P/B) ratio is 1.62.
Does SAN pay a dividend?
Banco Santander, S.A. (SAN) currently offers a dividend yield of 1.88%.
What is the return on equity (ROE) of SAN?
SAN has a return on equity (ROE) of 13.11%.
Is SAN a good stock to buy?
This page provides a data-driven analysis of Banco Santander, S.A. (SAN), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.