Banco Santander, S.A. (BCDRF)

Banco Santander Ratios and Metrics

Market cap in millions USD. Fiscal year is January - December.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Feb 17, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Market Capitalization	184,968	173,468	69,986	66,353	49,571	57,088
Market Cap Growth	113.87%	147.86%	5.47%	33.86%	-13.17%	6.12%
Last Close Price	12.55	12.21	4.24	3.75	2.65	3.03
PE Ratio	11.17	10.48	5.66	5.67	5.11	6.64
PS Ratio	3.15	2.96	1.33	1.31	1.11	1.29
PB Ratio	1.43	1.34	0.63	0.58	0.48	0.52
P/FCF Ratio	-	-	-	-	2.49	1.08
P/OCF Ratio	-	-	-	11.97	1.67	0.89
Debt / Equity Ratio	3.39	3.39	3.64	3.55	3.66	3.18
Debt / FCF Ratio	-	-	-	-	19.16	6.61
Net Debt / Equity Ratio	-0.43	-0.43	-0.95	-0.80	-0.74	-0.73
Net Debt / FCF Ratio	-	-	3.11	12.92	-3.87	-1.52
Return on Equity (ROE)	14.29%	14.29%	12.99%	12.07%	11.06%	10.25%
Return on Assets (ROA)	-	-	0.76%	0.69%	0.65%	0.62%
Earnings Yield	8.95%	9.54%	18.60%	18.45%	20.71%	16.18%
FCF Yield	-	-	-48.30%	-10.71%	40.19%	92.98%
Dividend Yield	1.13%	-	5.12%	5.18%	4.76%	3.75%
Payout Ratio	-	-	23.99%	20.41%	19.24%	16.16%
Buyback Yield / Dilution	4.83%	4.83%	4.18%	3.88%	2.41%	-0.03%
Total Shareholder Return	5.96%	4.83%	9.31%	9.07%	7.17%	3.72%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.