Skip to main content
logo
Banco Santander, S.A. (SAN)
NYSE: SAN · Real-Time Price · USD
11.69
-0.78 (-6.26%)
At close: Oct 28, 2026, 4:00 PM EDT
11.80
+0.11 (0.97%)
After-hours: Oct 28, 2026, 7:58 PM EDT

Banco Santander Financials Overview

Millions EUR. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Revenue
12,07212,47512,16012,51111,18311,31611,62213,36210,667-12,56412,16011,62511,35010,64110,52610,40110,15010,19610,373
Revenue Growth
7.95%10.24%4.63%-6.37%4.84%--7.50%9.88%-8.24%-18.07%15.52%11.77%11.82%4.36%1.47%6.97%5.79%9.43%28.63%
Net Income
3,7503,3635,2923,5993,3573,2813,2423,0923,112-2,6882,7992,7732,4412,5711,7602,7142,0592,5431,709
Earnings Per Share
0.390.230.360.230.210.220.210.180.20-0.170.160.170.150.150.100.140.110.140.09
EPS Growth
83.02%8.71%67.38%25.26%6.40%-26.37%15.13%18.46%-13.33%59.20%24.26%29.30%7.14%7.69%20.39%17.41%64.71%-

Revenue by Segment
Chart
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23
Retail & Commercial Banking
9,1428,8518,284-7,9778,0568,146--------
Openbank
3,5263,2763,2603,3483,2423,1913,2343,3303,1333,2653,1843,1553,1152,9653,061
Corporate & Investment Banking
2,1572,3952,3842,1141,9082,0132,1062,0722,0882,0562,1231,7031,8671,9522,004
Wealth Management & Insurance
1,1051,0931,0001,1939659629681,026940932905784838830758
Payment Solutions
405387383-353324317--------
Corporate Centre
-375-295-171-64-168-135-217-72-254-140-210212-308-218-124

Cash & Debt
Chart
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Cash & Investments
484,145315,343307,915413,732274,732421,011271,882432,447262,195434,054446,837408,450475,029446,756436,458429,458491,401434,366397,890379,518
Total Debt
6,151404,829392,526382,751372,551366,860372,967390,445377,680369,670377,632369,551374,517363,791359,053357,225378,800336,973311,758308,571
Net Cash (Debt)
477,994-89,486-84,61130,981-97,81954,151-101,08542,002-115,48564,38469,20538,899100,51282,96577,40572,233112,60197,39386,13270,947
Net Cash Growth
----26.24%--15.89%-7.98%--22.40%-10.59%-46.15%-10.74%-14.81%-10.13%1.81%25.16%18.29%-9.63%40.87%
Net Cash Per Share
51.01-6.19-5.791.98-6.253.61-6.662.57-7.45-4.372.256.184.974.524.105.695.394.743.87

Cash Flow & CapEx
Chart
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Operating Cash Flow
--562-18,697-7,017-10,42220,718-18,11422,97313,044--46,9128,7748,136-------
Capital Expenditures
--1,832-1,012-1,375-1,277-1,232-1,970-2,284-1,472--2,591-4,373-2,368-------
Free Cash Flow
--2,394-19,709-8,392-11,69919,486-20,08420,68911,572--49,5034,4015,768-------
Free Cash Flow Growth
-------370.10%100.62%-----------

Margins
Chart
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Profit Margin
31.06%26.96%43.52%28.77%30.02%28.99%27.89%23.14%29.17%-21.39%23.02%23.85%21.51%24.16%16.72%26.09%20.29%24.94%16.48%
FCF Margin
--19.19%-162.08%-67.08%-104.61%172.20%-172.81%154.83%108.48%--394.01%36.19%49.62%-------

Dividends
Chart
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
Dividend Per Share
-0.127-0.125-0.115-0.110---0.176-0.081-0.059-0.058-0.051
Dividend Per Share Growth
-10.44%-13.64%----37.50%---195.80%-38.94%-15.53%-20.21%-62.46%
Dividend Yield
-2.08%-2.38%-3.21%-2.46%---6.80%-4.15%-4.20%-4.08%-3.40%

Valuation
Chart
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period EndingSep '26 Jun '26 Mar '26 Dec '25 Sep '25 Jun '25 Mar '25 Dec '24 Sep '24 Jun '24 Mar '24 Dec '23 Sep '23 Jun '23 Mar '23 Dec '22 Sep '22 Jun '22 Mar '22 Dec '21
PE Ratio
11.1111.098.8110.9710.148.229.877.608.24-6.655.676.135.776.125.114.465.166.206.64
P/FCF Ratio
-----3.30-----5.9010.14-------
PS Ratio
3.613.582.903.172.772.232.621.852.00-1.491.311.331.271.341.120.981.121.321.29