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Banco Santander SAN.MC · EUR

Financials · Banks · BME · 🇪🇸 Spain

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11.07

+3.46%

Close of 9 Nov 2026, in EUR

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Reference data, closing prices and charts across 45,000 companies, plus crypto, commodities and currencies.

At a glance

Figures in EUR, from our data supplier.

FY2025

Net income

€14.10bn

FY2016FY2025

Total assets

€1.87trn

FY2016FY2025

Shareholders' equity

€103.17bn

FY2016FY2025

Income statement

Fiscal years

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Operating income€18.68bn€17.35bn€15.01bn€15.25bn€14.29bn€8.37bn€18.18bn€32.68bn€32.25bn€33.55bn
Net income€14.10bn€12.57bn€11.08bn€9.61bn€8.12bn−€8.77bn€6.51bn€7.81bn€6.62bn€6.20bn
Diluted earnings per share0.950.770.700.390.47-0.510.380.460.360.40

Balance sheet

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Total assets€1.87trn€1.84trn€1.80trn€1.73trn€1.60trn€1.51trn€1.52trn€1.46trn€1.44trn€1.34trn
Cash and short-term investments€457.58bn€237.41bn€406.22bn€223.07bn€210.69bn€153.84bn€101.07bn€113.66bn€111.00bn€76.45bn
Total liabilities€1.75trn€1.73trn€1.69trn€1.64trn€1.50trn€1.42trn€1.41trn€1.35trn€1.34trn€1.24trn
Debt€520.75bn€483.38bn€308.58bn€324.07bn€272.72bn€257.27bn€267.08bn€246.62bn€217.97bn€228.87bn
Shareholders' equity€103.17bn€98.60bn€95.42bn€89.10bn€86.93bn€81.48bn€100.07bn€96.47bn€94.49bn€90.94bn
Shares outstanding14,870m16,325m15,886m24,356m17,311m17,311m17,326m17,090m18,489m15,469m

Financial ratios

Data as of 7 Sept 2026

FY2025FY2024FY2023FY2022FY2021FY2020
Operating margin15.6%37.3%34.9%35.2%36.6%13.8%
Net margin11.8%24.8%24.2%22.9%20.8%-14.5%
Return on equity13.7%12.8%11.6%10.8%9.3%-10.8%
Return on assets0.8%0.7%0.6%0.6%0.5%-0.6%
Revenue growth136.0%11.0%9.1%7.5%-35.5%15.6%
Earnings growth12.1%13.5%15.3%18.2%-192.6%-234.6%
Current ratio1.77x0.19x0.51x21.18x23.15x18.03x
Debt to equity5.64x5.26x4.06x3.64x3.14x3.16x
Equity ratio5.5%5.4%5.3%5.1%5.4%5.4%
Interest coverage0.31x0.29x0.26x0.45x1.09x0.61x
Buybacks as a share of market value8.9%-2.8%34.8%-40.7%0.0%0.1%

Growth per year

Compound annual rate

3 years5 years10 years
Revenue11.1%14.6%10.2%
Operating income7.0%17.4%-5.4%
Net income13.7%—7.9%

Average margins

Over each period

1 year3 years5 years10 years
Operating margin14.7%14.7%16.2%30.1%
Net margin10.9%10.5%8.5%10.2%

Valuation history

At each fiscal year end

FY2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY2016
Price to earnings10.65.85.47.16.3-5.09.98.715.312.2
Price to sales1.30.60.50.81.30.71.21.42.01.6

Dividends and splits

Per share, in the currency the company pays

Paid for 36 years. Last went ex-dividend on 30 Apr 2026.

FY2026FY2025FY2024FY2023FY2022FY2021FY2020FY2019
Paid in the year0.1250.2250.1950.1410.110.0760.100.096
  • 2-for-1 split · 14 Jun 1999
  • 1.02-for-1 split · 11 Aug 1998
  • 2-for-1 split · 29 Jun 1998
  • 3-for-1 split · 9 Jun 1997

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
TradingView

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