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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 Income Statement

Millions EUR. Fiscal year is Jan - Dec.
Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '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
Interest Income on Loans
21,20520,61418,97618,13219,31619,30619,49420,56119,832-21,37419,72820,47019,37118,13216,83316,30814,22111,85211,074
Interest Income on Investments
7,0197,0046,3667,4095,7596,5076,5026,9426,866-7,9627,4797,8426,9815,8204,3453,2282,9432,1881,869
Total Interest Income
28,22427,61825,34225,54125,07525,81325,99627,50326,698-29,33627,20728,31226,35223,95221,17819,53617,16414,04012,943
Interest Paid on Deposits
16,25515,39214,23314,59614,63914,84015,28716,13016,120-17,26015,98817,00115,50913,49310,9539,3987,3435,1174,118
Net Interest Income
11,96912,22611,10910,94510,43610,97310,70911,37310,578-12,07611,21911,31110,84310,45910,22510,1389,8218,9238,825
Net Interest Income Growth (YoY)
14.69%11.42%3.74%-3.76%-1.34%--11.32%1.37%-6.48%-15.46%9.72%11.57%10.41%17.21%15.86%18.53%15.76%11.24%9.11%
Income From Trading Activities
-27049081-23339331370632344-3641,767292-539802-309433-1,0831,801412
Gain (Loss) on Sale of Assets
21164365190-521-14--197141982030--25142
Gain (Loss) on Sale of Investments
532-74537597200-240429540-79-553-227539128-274-47340626319228
Gain (Loss) on Sale of Equity Investments
246163313185148171161207189-123151166170126201189179133137
Other Non-Interest Income
3,0483,0723,2784,0312,9183,3263,0063,7492,502-2,6132,6372,5333,4992,7963,4192,3963,2881,0842,163
Total Non-Interest Income
3,5063,6134,2384,7633,5983,7693,9564,9992,945-3,6134,3963,5283,4473,4853,3213,3372,9773,3872,936
Non-Interest Income Growth (YoY)
-2.56%-4.14%7.13%-4.72%22.17%-9.49%13.72%-16.53%-3.67%32.37%5.72%15.79%2.89%13.11%-1.42%3.80%1.93%4.82%
Revenues Before Loan Losses
15,47515,83915,34715,70814,03414,74214,66516,37213,523-15,68915,61514,83914,29013,94413,54613,47512,79812,31011,761
Provision for Loan Losses
3,4033,3643,1873,1972,8513,4263,0433,0102,856-3,1253,4553,2142,9403,3033,0203,0742,6482,1141,388
Revenue
12,07212,47512,16012,51111,18311,31611,62213,36210,667-12,56412,16011,62511,35010,64110,52610,40110,15010,19610,373
Revenue Growth (YoY)
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%
Salaries and Employee Benefits
3,5863,5513,3793,5883,3223,3273,4093,6383,362-3,5943,6463,4773,3583,2453,4223,1773,0852,8633,011
Occupancy Expenses
787839828756796804822794785-828779799817789750793738704692
Selling, General & Administrative
2,3231,7561,9231,4451,8971,9942,0421,5631,970-2,1251,4692,5012,0131,9622,0042,0431,9381,8271,770
Other Non-Interest Expense
7609107701,2567715584591,735695-6361,275367838796720521624599449
Total Non-Interest Expense
7,4567,0566,9007,0456,7866,6836,7327,7306,812-7,1837,1697,1447,0266,7926,8966,5346,3855,9935,922
EBT Excluding Unusual Items
4,6165,4195,2605,4664,3974,6334,8905,6323,855-5,3814,9914,4814,3243,8493,6303,8673,7654,2034,451
Asset Writedown
-487-5-17-56-39-42-99-177-145--126-72-34-66-17-141-21-21-32-84
Other Unusual Items
362-145-214-486299-175-102-1,225687--672-977--------
Pretax Income
4,8284,9325,0294,9204,6574,4154,6894,2264,397-4,5833,9224,4474,2583,8323,4893,8463,7444,1713,831
Income Tax Expense
1,1921,1921,2501,1631,1931,0431,3249251,212-1,4687241,2711,3149679481,1641,0721,3021,169
Earnings From Continuing Operations
3,6363,7403,7793,7573,4643,3723,3653,3013,185-3,1153,1983,1762,9442,8652,5412,6822,6722,8692,662
Earnings From Discontinued Operations
--1,895390426350376262404-----------
Minority Interest in Earnings
-204-222-219-383-386-291-339-298-339--263-265-274-274-294-252-260-321-326-387
Net Income
3,4323,5185,4553,7643,5043,4313,4023,2653,250-2,8522,9332,9022,6702,5712,2892,4222,3512,5432,275
Preferred Dividends & Other Adjustments
-318155163165147150160173138-164134129229-529-292292-566
Net Income to Common
3,7503,3635,2923,5993,3573,2813,2423,0923,112-2,6882,7992,7732,4412,5711,7602,7142,0592,5431,709
Net Income Growth (YoY)
11.71%2.50%63.23%16.40%7.87%-20.61%10.47%12.22%-4.55%59.03%2.17%18.55%1.10%2.98%11.00%14.64%58.15%-
Basic Shares Outstanding
9,07214,37414,54215,68315,66214,90115,09116,32515,448-15,77116,29416,17316,68817,14017,60819,76717,94718,03518,347
Diluted Shares Outstanding
9,37114,45614,62415,68315,66214,98415,17016,32515,508-15,84417,25316,25416,68817,14017,60819,80218,08518,16418,347
Shares Change (YoY)
-40.17%-3.52%-3.60%-3.93%1.00%--4.25%-5.38%-4.59%--7.56%-2.02%-17.92%-7.72%-5.64%-4.03%-8.00%-2.88%-3.98%-6.16%
EPS (Basic)
0.410.230.360.230.210.220.210.190.20-0.170.170.170.150.150.100.140.110.140.09
EPS (Diluted)
0.390.230.360.230.210.220.210.180.20-0.170.160.170.150.150.100.140.110.140.09
EPS Growth (YoY)
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%-

Additional Metrics

Fiscal Quarter
Q3 2026Q2 2026Q1 2026Q4 2025Q3 2025Q2 2025Q1 2025Q4 2024Q3 2024Q2 2024Q1 2024Q4 2023Q3 2023Q2 2023Q1 2023Q4 2022Q3 2022Q2 2022Q1 2022Q4 2021
Period Ending
Sep '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 Growth (YoY)
-10.44%-13.64%----37.50%---195.80%-38.94%-15.53%-20.21%-62.46%
Effective Tax Rate
24.69%24.17%24.86%23.64%25.62%23.62%28.24%21.89%27.56%-32.03%18.46%28.58%30.86%25.24%27.17%30.26%28.63%31.21%30.51%
SEC Filings: 10-K · 10-Q