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Home CompaniesBanco Santander S.A.

Banco Santander S.A.

Financial Services Banks - Diversified
PortfolioPortfolio WatchlistWatchlist
Company price
950.0 GBX 22.00 ( 2.37%)
Last update at 2026-10-27T16:35:00Z
VOLUME
92566
Market Cap
132123.09M
P/E
12.45

Momentum Score

…

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.

Source: TradingView
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Day Price Range
925.00
Low
950.00
High
52 Week Price Range
479.58
Low
981.00
High

Momentum Score

…
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A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High

Key Metrics*

Previous Close
928.00
Dividend Yield
2.85%
Revenue TTM
46836.00M
Revenue Per Share
3.15
Gross Profit TTM
46836.00M
Debt / Equity
4.47
ROE
12.69%
Net Debt
461427.49M
ROCE
1.10%
Diluted EPS TTM
0.73

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Income before tax 18010.17M 19027.00M 16459.00M 15250.00M 14547.00M
Minority interest -1399.00M -1170.00M -1107.00M -1159.00M -1529.00M
Net income 14096.43M 12574.00M 11076.00M 9605.00M 8124.00M
Selling general administrative 13628.58M 21644.00M 21068.00M 19800.00M 17591.00M
Selling and marketing expenses 517.00M 540.00M 603.00M 559.00M 510.00M
Gross profit 48015.00M 51198.00M 46966.00M 54216.00M 48406.00M
Reconciled depreciation 3178.00M 3294.00M 3184.00M 2985.00M 2756.00M
Ebit 18681.00M 19027.00M 16459.00M 46902.00M 13018.00M
Ebitda 21859.00M 22321.00M 19643.00M 49887.00M 15774.00M
Depreciation and amortization 3178.00M 3294.00M 3184.00M 2985.00M 2756.00M
Operating income 18681.00M 19027.00M 16459.00M 46902.00M 13018.00M
Other operating expenses 105936.68M 110882.00M 105410.00M 7314.00M 35388.00M
Interest expense 59362.00M 66067.00M 61991.00M 32811.00M 13093.00M
Tax provision 4723.00M 5283.00M 4276.00M 4486.00M 4894.00M
Interest income 101710.00M 112735.00M 105252.00M 71430.00M 46463.00M
Net interest income 42348.00M 46668.00M 43261.00M 38619.00M 33370.00M
Income tax expense 4721.47M 5283.00M 4276.00M 4486.00M 4894.00M
Total revenue 124406.69M 129909.00M 121869.00M 54216.00M 48406.00M
Total operating expenses 29542.00M 32171.00M 30507.00M -7314.00M -35388.00M
Cost of revenue 71879.00M 78711.00M 74903.00M - -
Total other income expense net 445.86M 19027.00M 16459.00M -31652.00M 1529.00M
Net income from continuing ops 13958.00M 13744.00M 12183.00M 10764.00M 9653.00M
Net income applicable to common shares - - - 9076.00M 8124.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Total assets 1866910.10M 1837081.00M 1797062.00M 1734659.00M 1595835.00M
Intangible assets 5348.27M 5821.00M 5854.00M 4904.00M 3871.00M
Earning assets - - - - 295716.00M
Other current assets 417241.81M 134887.00M -13534.00M 352.00M 965156.00M
Total liab 1754198.62M 1729754.00M 1692821.00M 1637074.00M 1498782.00M
Total stockholder equity 103136.58M 98601.00M 95423.00M 89104.00M 86930.00M
Other current liab 162589.32M 1109882.00M 1222782.00M -46757.00M -28953.00M
Common stock 7342.62M 7576.00M 8092.00M 8397.00M 8670.00M
Capital stock 7345.00M 7576.00M 8092.00M 8397.00M 8670.00M
Retained earnings 104328.20M 94900.00M 85190.00M 76307.00M 68397.00M
Other liab - - - 44559.00M 57390.00M
Good will 11954.13M 13438.00M 14017.00M 13741.00M 12713.00M
Other assets 1449668.29M 1463846.25M 1055690.00M 1065961.00M 1013023.00M
Cash 271912.00M 217892.00M 330891.00M 247227.00M 234805.00M
Total current liabilities 162589.32M 1309132.00M 1276708.00M 46757.00M 28953.00M
Net debt 461427.49M 265484.00M 64084.00M 35734.00M 14214.00M
Short term debt - 193474.00M 46756.00M 43732.00M 26553.00M
Short long term debt 40807.00M 37295.00M 46170.00M 43025.00M 25863.00M
Short long term debt total 461427.49M 483376.00M 310979.00M 282961.00M 249019.00M
Other stockholder equity 29154.55M 40228.00M 44210.00M 46461.00M 47895.00M
Property plant equipment - - - 33044.00M 32342.00M
Total current assets 417241.81M 383726.00M 416840.00M 399960.00M 340936.00M
Long term investments 337204.00M 314244.00M 271735.00M 217049.00M 192950.00M
Net tangible assets - - - 70459.00M 70346.00M
Short term investments 60586.00M 19521.00M 75326.00M 77024.00M 100375.00M
Net receivables - 11426.00M 10623.00M 9200.00M 5756.00M
Long term debt 324390.00M 325521.00M 308579.00M 237314.00M 246163.00M
Inventory - - 13534.00M 3112.00M 6.00M
Accounts payable 2520.00M 2454.00M 3324.00M 3025.00M 2400.00M
Accumulated other comprehensive income -37688.79M -44103.00M -42069.00M -42061.00M -38032.00M
Treasury stock - - - - -894.00M
Non currrent assets other -47899.48M 35480.00M -20767.00M -268738.00M -241876.00M
Non current assets total - 1453355.00M 324532.00M 268738.00M 241876.00M
Capital lease obligations 1822.00M 2202.00M 2400.00M 2622.00M 2856.00M
Breakdown 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Type yearly yearly yearly yearly yearly
Date 2025-12-31 2024-12-31 2023-12-31 2022-12-31 2021-12-31
Investments 670.00M -3712.00M -5366.00M -3898.00M 546.00M
Change to liabilities - - - 0.00M 0.00M
Total cashflows from investing activities 534.00M -3712.00M -5366.00M -3898.00M -3715.00M
Net borrowings -6535.00M 2905.00M 4076.00M -2172.00M 2656.00M
Total cash from financing activities -14198.40M -5510.00M -2058.00M -9964.00M -1322.00M
Change to operating activities - - - -134.00M -10147.00M
Net income 12554.93M 13744.00M 12183.00M 10764.00M 9653.00M
Change in cash -37412.00M -28134.00M -2731.00M 12384.00M 56850.00M
Begin period cash flow 192208.00M 220342.00M 223073.00M 210689.00M 153839.00M
End period cash flow 154796.00M 192208.00M 220342.00M 223073.00M 210689.00M
Total cash from operating activities -14835.00M -24155.00M 5015.00M 27706.00M 56691.00M
Issuance of capital stock 815.00M 765.00M 825.00M 573.00M 854.00M
Depreciation 3178.00M 3294.00M 3184.00M 2985.00M 2756.00M
Other cashflows from investing activities 98334.31M 4850.00M 5794.00M - -
Dividends paid 3339.92M 3017.00M 2261.00M 1848.00M 1313.00M
Sale purchase of stock -4079.68M -4789.00M -3109.00M -2050.00M -1645.00M
Other cashflows from financing activities -1060.66M -1374.00M -1589.00M -4348.00M 3466.00M
Change to netincome - - - 16646.00M 16124.00M
Capital expenditures 5852.10M 10598.00M 13643.00M 10840.00M 11403.00M
Change in working capital 41624.51M -60380.00M -28902.00M -1530.00M 29687.00M
Other non cash items -69014.45M 19187.00M 18550.00M 15487.00M 14595.00M
Free cash flow 77651.84M -34753.00M -8628.00M 16866.00M 45288.00M

Peer Comparison*

Sector: Financial Services Industry: Banks - Diversified

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
BNC
Banco Santander S.A.		 22.00
2.37%		 950.00 12.45 9.63 2.82 1.36 6.60
GTCO
Guaranty Trust Holding Co. PLC GDR		 0.01
6.98%		 0.09 0.09 - 2.63 1.31 2.82
HSBA
HSBC Holdings PLC		 -74.00
5.42%		 1291.40 14.83 10.19 3.62 1.47 3.75
BVA
Banco Bilbao Vizcaya Argentaria S.A		 -0.66
2.84%		 22.60 0.11 10.13 3.43 1.90 3.55
BARC
Barclays PLC		 3.30
0.79%		 422.05 10.32 8.35 2.21 0.77 4.45

Profile*

Banco Santander S.A.

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.

Santander Group City, Madrid, Spain, 28660

34 912 76 92 90

https://www.santander.com

192241

Name Title Year Born
Ms. Ana Botin-Sanz de Sautuola y O'Shea Group Exec. Chairwoman 1960
Mr. Jose Antonio Alvarez Alvarez CEO & Vice Chairman 1960
Mr. Jose Antonio Garcia-Cantera Sr. EVP & Group Chief Financial Officer 1966
Mr. Dirk Ludwig Marzluf Sr. EVP and Group Head of Technology & Operations 1970
Mr. Jose Francisco Doncel Razola Sr. EVP, Group Head of Accounting & Financial Control and Group Chief Accounting Officer 1961
Mr. Jose Maria Linares Perou Sr. EVP and Global Head of Corp. & Investment Banking 1971
Mr. Sergio Gamez Martínez Global Head of Shareholder & Investor Relations NA
Ms. Marjolein van Hellemondt-Gerdingh Group Chief Compliance Officer & Sr. EVP 1964
Mr. Juan Manuel Cendoya Mendez de Vigo Sr. EVP and Group Head of Communications, Corp. Marketing & Research 1967
Mr. Jose Luis De Mora Gil-Gallardo Group Head of Strategy & Corp. Devel., Head of Santander Consumer Fin. and Sr. EVP 1966

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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