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Banco Santander, S.A. (SAN)
NYSE: SAN · Real-Time Price · USD
14.78
-0.04 (-0.27%)
At close: Aug 13, 2026, 4:00 PM EDT
14.87
+0.09 (0.61%)
Pre-market: Aug 14, 2026, 8:29 AM 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
71,78458,55958,38454,28239,62037,444
Revenue Growth
6.91%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 & Investments
138,008152,281192,208220,342223,073210,689
Total Debt
0324,390325,521308,579280,339246,163
Net Cash (Debt)
138,008-172,109-133,313-88,237-57,266-35,474
Net Cash Growth
-21.39%-----
Net Cash Per Share
9.38-11.49-8.56-5.43-3.39-2.05

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
13.34%31.90%29.71%27.64%38.49%38.85%
Profit Margin
20.53%23.84%21.42%20.49%27.17%25.78%
FCF Margin
-58.78%-35.33%-55.92%-11.85%47.05%124.66%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '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
1.36%2.24%4.44%3.73%3.99%2.63%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingAug '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
11.8411.115.715.755.126.64
P/FCF Ratio
----2.441.06
PS Ratio
3.812.511.141.101.151.32