Banco Santander, S.A. (SAN)

NYQ – Real Time Price. Currency in USD

14.78

+0.07 (0.51%)

Market open: Aug 12, 2026, 11:13 AM EDT

14.69

-0.02 (-0.12%)

Previous after-hours: Aug 11, 2026, 7:47 PM EDT

Stock details

Previous close: 14.71$
Day's range: 14.69 - 14.86$
52-week range: 9.31 - 14.93$
Volume: 11 240 670
Average volume: 13 977 519
Beta: 1.53
EPS (TTM): 1.29
PE ratio (TTM): 11.59
Forward P/E: 12.27
Market cap: 217 562 290 768
Shares outstanding: 14 790 094 546
Dividend yield: $1.36 (1.36%)
Next earnings date: 2026-10-28
Sector: Financials
Industry: Banks - Diversified

About the company

Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings account... read more

CEO: Hector Grisi Checa
Country: Spain
IPO Date: 1987-07-29
Employees: 198403
Fiscal Year End: January - December
Website: https://www.santander.com

Revenue Breakdown

Retail & Commercial Banking / 50.03%

Digital Consumer Bank / 20.86%

Corporate & Investment Banking / 13.60%

News

No Data

There are no news for this stock.

Chart: SAN

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Overall Score

4.9 / 1049%

Octagon View

Strength & Weakness

Cash reserves $0.0 barely cover the upcoming debt maturities $515.5B

Total current assets $0.0 are just enough to cover Total current liabilities $0.0, indicating tight liquidity

Debt-to-equity ratio (3.9) far exceeds the industry average, reflecting over-leverage

The company has no interest-bearing debt, showcasing excellent financial strength

Financial Strength

NAME	RATIO	INDUSTRY	SCORE
Current ratio	1.76	0.80	9.0
Quick ratio	N/A	0.70	1.0
Debt to Equity	4.12	0.12	2.0
Debt to Assets	0.23	0.21	7.0
Interest coverage	N/A	0.04	10
Weighted average score			5.8

Debt to Assets

Financial

Values in USD
(B=Billions, M=Millions, K=Thousands)

Values in USD (B=Billions, M=Millions, K=Thousands)

METRIC	2022	2023	2024	2025	TTM
Total Revenue	98.35B	136.81B	141.05B	140.42B	144.22B
Gross Profit	N/A	N/A	N/A	N/A	N/A
Operating Income	15.51B	17.28B	18.67B	20.55B	21.91B
Net Income	10.09B	11.97B	13.60B	15.91B	18.95B
EBITDA	N/A	N/A	N/A	N/A	N/A

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

NAME	RATIO	INDUSTRY	SCORE
Gross margin %	N/A	98.11	1.0
Operating margin %	27.05	0.40	10
Net margin %	19.95	31.67	10
EBITDA margin %	N/A	-0.68	1.0
Cash flow margin %	N/A	0.13	1.0
Weighted average score			4.6

Net Margin

Effectiveness

NAME	RATIO	INDUSTRY	SCORE
ROA	0.71	0.86	2.0
ROE	12.93	11.43	7.0
ROIC	2.73	10.56	5.0
ROCE	N/A	0.01	1.0
Weighted average score			3.8

Estimated EPS vs Actual EPS

Forecast

NAME	REVENUE GROWTH	EPS GROWTH	SCORE
Current quarter	3.2	18.17	6.5
Next quarter	-1.12	6.62	3.0
Current year	-1.34	12.4	4.0
Next year	8.77	20.46	8.0
Weighted average score			5.4

Analyst Rating

Growth

NAME	REVENUE	NET INCOME	EPS	FCF	SCORE
Q/Q	6.11	-35.89	-37.68	N/A	2.0
Y/Y	130.95	5.2	3.91	N/A	5.0
3y average	13.92	16.41	21.89	95.2	9.3
5y average	14.76	50.08	29.04	85.49	9.5
Weighted average score					6.5

Revenue Growth Rate vs. Industry

Valuation

NAME	RATIO	INDUSTRY	SCORE
P/E	14.38	13.27	6.2
PEG (5yr expected)	3.98	2.15	3.0
P/S	3.02	3.79	5.2
P/B	1.66	1.44	5.2
Weighted average score			4.9

DCF Model

DCF Model Period5 years

Discount rate9%

Perpetual growth rate3%

Revenue 5 year CAGR4.34%

FCF 5 year CAGR4

Fair value38.42$

Stock price14.845$

Dividend

NAME	CURRENT	INDUSTRY	SCORE
Dividend yield	0.00	N/A	1.0
Payout ratio	0.00	N/A	1.0
5-year dividend growth rate	N/A	N/A	1.0
Years of dividend increase	N/A	N/A	1.0
Weighted average score			1.0

Fair Value

$38.42

UndervaluedStock priceOvervalued

$14.845

Economic Moat

NAME	SCALE	SCORE
Market share	Wide	8.0
Intangible assets	Wide	8.0
Switching costs	Medium	6.0
Network effect	Medium	7.0
Economies of scale	Wide	8.0
Weighted average score		7.4

About the company

CEO

Hector Grisi Checa

Country

Spain

IPO Date

1987-07-29

Employees

198403

Fiscal Year End

January - December

Website

https://www.santander.com

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Current ratio

1.76

0.80

9.0

Quick ratio

N/A

0.70

1.0

Debt to Equity

4.12

0.12

2.0

Debt to Assets

0.23

0.21

7.0

Interest coverage

N/A

0.04

Weighted average score

5.8

METRIC

2022

2023

2024

2025

TTM

Total Revenue

98.35B

136.81B

141.05B

140.42B

144.22B

Gross Profit

N/A

Operating Income

15.51B

17.28B

18.67B

20.55B

21.91B

Net Income

10.09B

11.97B

13.60B

15.91B

18.95B

EBITDA

N/A

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

Gross margin %

N/A

98.11

1.0

Operating margin %

27.05

0.40

Net margin %

19.95

31.67

EBITDA margin %

N/A

-0.68

1.0

Cash flow margin %

N/A

0.13

1.0

Weighted average score

4.6

NAME

RATIO

INDUSTRY

5Y TREND

SCORE

ROA

0.71

0.86

2.0

ROE

12.93

11.43

7.0

ROIC

2.73

10.56

5.0

ROCE

N/A

0.01

1.0

Weighted average score

3.8

NAME

REVENUE GROWTH

EPS GROWTH

SCORE

Current quarter

3.2

18.17

6.5

Next quarter

-1.12

6.62

3.0

Current year

-1.34

12.4

4.0

Next year

8.77

20.46

8.0

Weighted average score

5.4

NAME

REVENUE

NET INCOME

EPS

FCF

SCORE

Q/Q

6.11

-35.89

-37.68

N/A

2.0

Y/Y

130.95

5.2

3.91

N/A

5.0

3y average

13.92

16.41

21.89

95.2

9.3

5y average

14.76

50.08

29.04

85.49

9.5

Weighted average score

6.5

NAME

RATIO

INDUSTRY

5Q TREND

SCORE

P/E

14.38

13.27

6.2

PEG (5yr expected)

3.98

2.15

3.0

P/S

3.02

3.79

5.2

P/B

1.66

1.44

5.2

Weighted average score

4.9

NAME

CURRENT

INDUSTRY

SCORE

Dividend yield

0.00

N/A

1.0

Payout ratio

0.00

N/A

1.0

5-year dividend growth rate

N/A

1.0

Years of dividend increase

N/A

1.0

Weighted average score

1.0

NAME

SCALE

SCORE

Market share

Wide

8.0

Intangible assets

Wide

8.0

Switching costs

Medium

6.0

Network effect

Medium

7.0

Economies of scale

Wide

8.0

Weighted average score

7.4

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Banco Santander, S.A. (SAN)

Stock details

About the company

Revenue Breakdown

News

Chart: SAN

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$38.42

$14.845

Economic Moat

Stock details

About the company

Revenue Breakdown

News

Chart: SAN

Overall Score

Octagon View

Strength & Weakness

Financial Strength

Debt to Assets

Financial

Current Ratio

Revenue & Net Income

Cashflow

Margin Ratios

Profitability

Net Margin

Effectiveness

Estimated EPS vs Actual EPS

Forecast

Analyst Rating

Growth

Revenue Growth Rate vs. Industry

Valuation

DCF Model

Dividend

Fair Value

$38.42

$14.845

Economic Moat