Banco Santander, S.A.
SAN NYSE· Commercial Banks, Nec
Last close · Oct 30, 2026
$11.19
KIRA · Stoqly’s AI analyst, in plain words
- Banco Santander, S.A. had $62.4B of revenue in fiscal 2025, up 2.7% on the year before. Over five years, revenue changed +5.4% a year on average.
- Banco Santander, S.A. made $15.9B of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 9.7% a year.
- Banco Santander, S.A. returned $3.8B to shareholders in fiscal 2025. The diluted share count fell 3.8%.
- It earned 13.0% on shareholders’ money.
Market cap
$167.6B
P/E
11.0x
Revenue
$62.4B
Net income
$15.9B
Return on equity
13.0%
Efficiency ratio
—
Banco Santander, S.A. in 30 seconds · fiscal 2025
Are sales growing?
+2.7%
Only a little. Sales grew 2.7% last year.
Does it make a profit?
25.5%
Yes. It keeps 25.5% of every sale as profit.
How much does it earn on its capital?
13.0%
Good. It earns 13.0% a year on shareholders’ money.
How is the share priced?
11.0x
One share costs 11.0 times its yearly profit per share.
What Banco Santander, S.A. does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 20-F · Feb 27, 2026
- Legal name
- Banco Santander, S.A.
- CIK
- 0000891478
Banco Santander, S.A. · SAN · stoqly.net
Results and finances
The last 5 fiscal years. Amounts in USD. Compiled by stoqly.net.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $51.9B | $53.0B | $56.4B | $60.8B | $62.4B |
| Revenue growth | 8.4% | 2.1% | 6.4% | 7.7% | 2.7% |
| Net interest income | $39.5B | $40.6B | $44.0B | $47.4B | $47.8B |
| Gross margin | 105.8% | 103.4% | 103.5% | 103.3% | 105.4% |
| Operating margin | 57.0% | — | — | — | — |
| Net income | $9.6B | $10.1B | $12.0B | $13.6B | $15.9B |
| Net margin | 18.5% | 19.1% | 21.2% | 22.4% | 25.5% |
| Diluted EPS | $0.52 | $0.56 | $0.70 | $0.83 | $1.01 |
| Cash | |||||
| Cash from operations | $67.0B | $29.1B | $5.4B | −$26.1B | −$16.7B |
| Capital expenditure | $11.8B | $9.5B | $12.4B | $9.2B | $6.6B |
| Free cash flow | $55.2B | $19.6B | −$7.0B | −$35.3B | −$23.3B |
| FCF margin | 106.4% | 37.0% | −12.3% | −58.1% | −37.4% |
| Dividends paid | $1.6B | $1.9B | $2.4B | $3.3B | $3.8B |
| Share buybacks | $0.0M | $0.0M | $0.0M | — | — |
| Share count change | 0.0% | −2.4% | −3.9% | −4.2% | −3.8% |
| Debt and strength | |||||
| Cash and short-term investments | $238.6B | $237.9B | $243.5B | $199.7B | $178.9B |
| Loans, net | $1.10T | — | — | — | — |
| Deposits | $1.04T | — | — | — | — |
| Shareholders' equity | $109.9B | $104.1B | $115.2B | $111.5B | $132.5B |
| Interest coverage | 1.9x | — | — | — | — |
| Returns and quality | |||||
| Return on equity | 8.7% | 9.4% | 10.9% | 12.0% | 13.0% |
| Return on tangible equity | 10.5% | 12.0% | 12.8% | 14.9% | 14.2% |
| Piotroski F-score | 6 | 5 | 5 | 4 | 4 |
Insiders bought, 12 months
$0.0M
0 insiders
Insiders sold, 12 months
$0.0M
0 insiders
Of sales under plans
—
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Banco Santander, S.A. · SAN · stoqly.net
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $11.19 a share, the company is worth $167.6B: 11.0 times its earnings of the last four quarters.
Compiled and analysed by stoqly.net from SEC EDGAR XBRL filings (CIK 0000891478). Latest version: stoqly.net/companies/san. Data updated November 1, 2026. Filed in EUR under IFRS and converted to US$: income and cash-flow lines at each period's average exchange rate, balance-sheet lines at the period-end rate. For information only — not investment advice. Check the original filings before relying on any figure.