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Banco Santander, S.A. (SAN)
NYSE: SAN · Real-Time Price · USD
13.54
+0.33 (2.50%)
At close: Jul 24, 2026, 4:00 PM EDT
13.48
-0.06 (-0.44%)
After-hours: Jul 24, 2026, 7:34 PM EDT

Banco Santander Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
44,65358,55958,38454,28239,62037,444
Revenue Growth
-21.09%0.30%7.56%37.01%5.81%26.24%
Net Income
18,22314,10112,57411,0769,6058,124
Earnings Per Share
1.050.900.770.650.540.44
EPS Growth
26.51%17.19%17.97%21.23%23.16%-

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023
Period EndingJun '26 Dec '25 Dec '24 Dec '23
Retail & Commercial Banking
-31,21632,37429,754
Openbank
13,12613,01512,91212,296
Corporate & Investment Banking
8,9138,4888,3397,527
Wealth Management & Insurance
4,3014,2393,8033,210
Corporate Centre
-697-581-676-439
PagoNxt
-1,3731,2401,140
Cards
-4,6404,2204,158

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Equivalents
138,008152,281192,208220,342223,073210,689
Total Debt
0324,390325,521308,579280,339246,163
Net Cash (Debt)
-0-324,390-325,521-308,579-280,339-246,163
Net Cash Growth
------
Net Cash Per Share
--21.66-20.91-18.99-16.58-14.21

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
-36,698-14,835-24,1555,01527,70656,691
Capital Expenditures
-5,496-5,854-8,494-11,446-9,066-10,015
Free Cash Flow
-42,194-20,689-32,649-6,43118,64046,676
Free Cash Flow Growth
-----60.07%-20.57%

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Pretax Margin
21.45%31.90%29.71%27.64%38.49%38.85%
Profit Margin
33.01%23.84%21.42%20.49%27.17%25.78%
FCF Margin
-94.49%-35.33%-55.92%-11.85%47.05%124.66%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.2000.2400.2100.1760.1180.100
Dividend Per Share Growth
18.98%14.29%19.32%49.41%17.80%-21.57%
Dividend Yield
1.48%2.24%4.44%3.73%3.99%2.63%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJul '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
10.9211.115.715.755.126.64
P/FCF Ratio
----2.441.06
PS Ratio
3.512.511.141.101.151.32