Overview
"Banco Santander S.A. is a Spanish multinational financial services company based in Madrid and Santander, Spain. As the 19th-largest banking institution in the world, Santander maintains a presence in all global financial centres. Although known for its European banking operations, it has extended operations across North and South America and, more recently, continental Asia. The Financial Stability Board considers it a systemically important bank.
Many subsidiaries, such as Abbey National, have been rebranded under the Santander name. The company is a component of the Euro Stoxx 50 stock market index. In June 2023, Santander was ranked 49th in the Forbes Global 2000 list of the world's biggest public companies. Santander is Spain's largest bank."
Quality, Value, Momentum Scores
This card shows the Quality, Value, and Momentum scores for the company
Income Statement: Revenue, Operating Income, Net Income
- The revenue for Banco Santander, S.A. as of 30 June 2025 is 50,158.00 MM.
- The operating income for Banco Santander, S.A. as of 30 June 2025 is 20,694.00 MM.
- The net income for Banco Santander, S.A. as of 30 June 2025 is 13,348.00 MM.
| Period End (TTM) | Revenue (MM) | Operating Income (MM) | Net Income (MM) |
| 2025-06-30 | 50,158.00 | 20,694.00 | 13,348.00 |
| 2025-03-31 | 50,734.00 | 20,876.00 | 13,124.00 |
| 2024-12-31 | 50,797.00 | 20,869.00 | 12,574.00 |
| 2024-09-30 | 48,114.00 | 19,753.00 | 12,242.00 |
| 2024-06-30 | 47,566.00 | 19,170.00 | 11,894.00 |
| 2024-03-31 | 47,699.00 | 19,177.00 | 11,357.00 |
| 2023-12-31 | 45,776.00 | 17,645.00 | 11,076.00 |
| 2023-09-30 | 44,142.00 | 16,284.00 | 10,432.00 |
| 2023-06-30 | 42,918.00 | 15,670.00 | 9,952.00 |
| 2023-03-31 | 41,718.00 | 15,111.00 | 9,633.00 |
| 2022-12-31 | 41,947.00 | 16,139.00 | 9,605.00 |
| 2022-09-30 | 41,120.00 | 16,286.00 | 9,591.00 |
| 2022-06-30 | 40,442.00 | 15,694.00 | 9,343.00 |
| 2022-03-31 | 39,886.00 | 16,262.00 | 9,059.00 |
| 2021-12-31 | 39,007.00 | 15,298.00 | 8,124.00 |
| 2021-09-30 | 36,698.00 | 13,319.00 | 6,126.00 |
| 2021-06-30 | 35,605.00 | 13,089.00 | 5,702.00 |
| 2021-03-31 | 33,289.00 | 10,737.00 | -7,494.00 |
| 2020-12-31 | 31,840.00 | 9,446.00 | -8,771.00 |
| 2020-09-30 | 34,633.00 | 13,152.00 | -6,265.00 |
| 2020-06-30 | |||
| 2020-03-31 |
Income Statement: EPS
| Period End (TTM) | Earnings Per Share Basic | Earnings Per Share Diluted |
| 2025-06-30 | ||
| 2025-03-31 | ||
| 2024-12-31 | 0.77 | 0.77 |
| 2024-09-30 | 0.74 | 0.74 |
| 2024-06-30 | 0.71 | 0.71 |
| 2024-03-31 | 0.68 | 0.67 |
| 2023-12-31 | 0.65 | 0.65 |
| 2023-09-30 | 0.61 | 0.61 |
| 2023-06-30 | 0.57 | 0.58 |
| 2023-03-31 | 0.55 | 0.55 |
| 2022-12-31 | 0.54 | 0.54 |
| 2022-09-30 | 0.54 | 0.54 |
| 2022-06-30 | 0.51 | 0.51 |
| 2022-03-31 | 0.50 | 0.50 |
| 2021-12-31 | 0.44 | 0.44 |
| 2021-09-30 | 0.29 | 0.29 |
| 2021-06-30 | 0.30 | 0.30 |
| 2021-03-31 | -0.55 | -0.55 |
| 2020-12-31 | -0.54 | -0.54 |
| 2020-09-30 | -0.46 | -0.46 |
| 2020-06-30 | -0.47 | -0.47 |
| 2020-03-31 | 0.22 | 0.22 |
Cash Flow: Operations, Investing, Financing
- The cash from operating activities for Banco Santander, S.A. as of 30 June 2025 is 38,621.00 MM.
- The cash from investing activities for Banco Santander, S.A. as of 30 June 2025 is -1,974.00 MM.
- The cash from financing activities for Banco Santander, S.A. as of 30 June 2025 is -9,395.00 MM.
| Period End (TTM) | Cash From Operating Activities (MM) | Cash From Investing Activities (MM) | Cash From Financing Activities (MM) |
| 2025-06-30 | 38,621.00 | -1,974.00 | -9,395.00 |
| 2025-03-31 | 4,643.00 | -3,091.00 | -9,341.00 |
| 2024-12-31 | -24,155.00 | -3,712.00 | -5,510.00 |
| 2024-09-30 | -38,354.00 | -5,172.00 | -2,939.00 |
| 2024-06-30 | -43,262.00 | -5,169.00 | -3,873.00 |
| 2024-03-31 | |||
| 2023-12-31 | 5,015.00 | -5,366.00 | -2,058.00 |
| 2023-09-30 | |||
| 2023-06-30 | 8,425.00 | -4,744.00 | -5,199.00 |
| 2023-03-31 | |||
| 2022-12-31 | 27,706.00 | -3,898.00 | -9,964.00 |
| 2022-09-30 | |||
| 2022-06-30 | 36,032.00 | -3,689.00 | -8,159.00 |
| 2022-03-31 | |||
| 2021-12-31 | 56,691.00 | -3,715.00 | -1,322.00 |
| 2021-09-30 | |||
| 2021-06-30 | 49,130.00 | -6,053.00 | -337.00 |
| 2021-03-31 | |||
| 2020-12-31 | 66,153.00 | -7,220.00 | -1,909.00 |
| 2020-09-30 | |||
| 2020-06-30 | |||
| 2020-03-31 |
Valuation Metrics : PE, PriceToBook, PriceToTBV
- The p/e for Banco Santander, S.A. as of 30 June 2025 is 7.84.
- The p/book for Banco Santander, S.A. as of 30 June 2025 is 0.93.
- The p/tbv for Banco Santander, S.A. as of 30 June 2025 is 1.25.
- P/Book
- The current closing price divided by the book value per share.
- P/TBV
- The current price divided by the tangible book value per share.
| Period End (TTM) | p/e | P/Book | P/TBV |
| 2025-06-30 | 7.84 | 0.93 | 1.25 |
| 2025-03-31 | 7.55 | 0.88 | 1.08 |
| 2024-12-31 | 5.46 | 0.64 | 0.78 |
| 2024-09-30 | 6.02 | 0.69 | 0.85 |
| 2024-06-30 | 5.97 | 0.65 | 0.80 |
| 2024-03-31 | 6.44 | 0.68 | 0.85 |
| 2023-12-31 | 10.79 | 1.09 | 1.35 |
| 2023-09-30 | |||
| 2023-06-30 | |||
| 2023-03-31 | |||
| 2022-12-31 | |||
| 2022-09-30 | |||
| 2022-06-30 | |||
| 2022-03-31 | 6.61 | 0.55 | 0.67 |
| 2021-12-31 | 8.12 | 0.52 | 0.63 |
| 2021-09-30 | 9.59 | 0.57 | 0.69 |
| 2021-06-30 | 13.91 | 0.83 | 1.00 |
| 2021-03-31 | -10.59 | 0.86 | 1.03 |
| 2020-12-31 | -9.05 | 0.87 | 1.05 |
| 2020-09-30 | -12.66 | 0.87 | 1.05 |
| 2020-06-30 | -10.56 | 0.86 | 1.05 |
| 2020-03-31 | 15.85 | 0.75 | 1.00 |
Valuation Metrics : EBitToEv, EBit3YrAvgToEv
- The ebit/ev for Banco Santander, S.A. as of 30 June 2025 is 0.05.
- The ebit (3y)/ev for Banco Santander, S.A. as of 30 June 2025 is 0.04.
| Period End (TTM) | EBIT/EV | EBIT (3y)/EV |
| 2025-06-30 | 0.05 | 0.04 |
| 2025-03-31 | 0.05 | 0.04 |
| 2024-12-31 | 0.06 | 0.06 |
| 2024-09-30 | 0.06 | 0.06 |
| 2024-06-30 | 0.05 | 0.04 |
| 2024-03-31 | 0.05 | 0.05 |
| 2023-12-31 | 0.06 | 0.05 |
| 2023-09-30 | 0.07 | 0.07 |
| 2023-06-30 | 0.05 | 0.05 |
| 2023-03-31 | 0.05 | 0.04 |
| 2022-12-31 | 0.08 | 0.05 |
| 2022-09-30 | 0.04 | 0.03 |
| 2022-06-30 | 0.07 | 0.04 |
| 2022-03-31 | 0.07 | 0.04 |
| 2021-12-31 | 0.07 | 0.04 |
| 2021-09-30 | 0.06 | 0.04 |
| 2021-06-30 | 0.08 | 0.05 |
| 2021-03-31 | -0.00 | 0.03 |
| 2020-12-31 | -0.01 | 0.03 |
| 2020-09-30 | 0.00 | 0.03 |
| 2020-06-30 | -0.00 | 0.04 |
| 2020-03-31 | 0.03 | 0.03 |
Management Effectiveness
- The roa for Banco Santander, S.A. as of 30 June 2025 is 0.01.
- The roe for Banco Santander, S.A. as of 30 June 2025 is 0.13.
- The roic for Banco Santander, S.A. as of 30 June 2025 is 0.02.
- The croic for Banco Santander, S.A. as of 30 June 2025 is -0.01.
- The ocroic for Banco Santander, S.A. as of 30 June 2025 is 0.01.
| Period End (TTM) | ROA | ROE | ROIC | CROIC | OCROIC |
| 2025-06-30 | 0.01 | 0.13 | 0.02 | -0.01 | 0.01 |
| 2025-03-31 | 0.01 | 0.12 | 0.02 | -0.05 | -0.04 |
| 2024-12-31 | 0.01 | 0.12 | 0.03 | -0.11 | -0.09 |
| 2024-09-30 | 0.01 | 0.12 | 0.03 | -0.11 | -0.09 |
| 2024-06-30 | 0.01 | 0.11 | 0.02 | -0.00 | 0.01 |
| 2024-03-31 | 0.01 | 0.11 | 0.02 | -0.00 | 0.01 |
| 2023-12-31 | 0.01 | 0.11 | 0.02 | -0.01 | 0.02 |
| 2023-09-30 | 0.01 | 0.10 | 0.02 | -0.01 | 0.02 |
| 2023-06-30 | 0.01 | 0.10 | 0.02 | -0.01 | 0.02 |
| 2023-03-31 | 0.01 | 0.10 | 0.02 | 0.02 | 0.05 |
| 2022-12-31 | 0.01 | 0.10 | 0.02 | 0.00 | 0.00 |
| 2022-09-30 | 0.01 | 0.10 | 0.02 | 0.06 | 0.08 |
| 2022-06-30 | 0.01 | 0.10 | 0.02 | 0.06 | 0.08 |
| 2022-03-31 | 0.01 | 0.10 | 0.02 | 0.12 | 0.12 |
| 2021-12-31 | 0.00 | 0.09 | 0.02 | 0.14 | 0.00 |
| 2021-09-30 | 0.00 | 0.07 | 0.02 | 0.00 | 0.00 |
| 2021-06-30 | 0.00 | 0.06 | 0.02 | 0.13 | 0.14 |
| 2021-03-31 | -0.00 | -0.07 | -0.02 | 0.11 | 0.14 |
| 2020-12-31 | -0.01 | -0.08 | -0.02 | 0.11 | 0.14 |
| 2020-09-30 | -0.00 | -0.06 | -0.02 | 0.08 | 0.12 |
| 2020-06-30 | -0.00 | -0.07 | -0.02 | 0.10 | 0.14 |
| 2020-03-31 | 0.00 | 0.05 | 0.01 | 0.03 | 0.07 |
Gross Margins
- The gross margin for Banco Santander, S.A. as of 30 June 2025 is 1.00.
- The net margin for Banco Santander, S.A. as of 30 June 2025 is 0.26.
- The operating margin for Banco Santander, S.A. as of 30 June 2025 is 0.42.
- Gross Margin
- The Gross Margin is the ratio of revenue left after substracting the Cost of Goods Sold. It is calculated as 1.0 - (Revenue - COGS ) / Revenue.
- Net Margin
- The Net Margin (aka Profit Margin) is the ratio of revenue left after substracting the Net Income. It is calculated as Net Income / Revenue.
- Operating Margin
- The Operaing Margin is the ratio of revenue left after substracting the Operating Income. It is calculated as Operating Income / Revenue.
| Period End (TTM) | Gross Margin | Net Margin | Operating Margin |
| 2025-06-30 | 1.00 | 0.26 | 0.42 |
| 2025-03-31 | 1.00 | 0.25 | 0.41 |
| 2024-12-31 | 1.00 | 0.26 | 0.39 |
| 2024-09-30 | 1.00 | 0.25 | 0.39 |
| 2024-06-30 | 1.00 | 0.25 | 0.38 |
| 2024-03-31 | 1.00 | 0.25 | 0.37 |
| 2023-12-31 | 1.00 | 0.24 | 0.37 |
| 2023-09-30 | 1.00 | 0.23 | 0.36 |
| 2023-06-30 | 1.00 | 0.23 | 0.36 |
| 2023-03-31 | 1.00 | 0.23 | 0.36 |
| 2022-12-31 | 1.00 | 0.23 | 0.42 |
| 2022-09-30 | 1.00 | 0.23 | 0.42 |
| 2022-06-30 | 1.00 | 0.23 | 0.39 |
| 2022-03-31 | 1.00 | 0.23 | 0.41 |
| 2021-12-31 | 1.00 | 0.21 | 0.39 |
| 2021-09-30 | 1.00 | 0.17 | 0.41 |
| 2021-06-30 | 1.00 | 0.16 | 0.40 |
| 2021-03-31 | 1.00 | -0.23 | 0.39 |
| 2020-12-31 | 1.00 | -0.28 | 0.30 |
| 2020-09-30 | 1.00 | -0.18 | 0.38 |
| 2020-06-30 | 1.00 | -0.21 | 0.40 |
| 2020-03-31 | 1.00 | 0.13 | 0.32 |
Identifiers and Descriptors
| Central Index Key (CIK) | 891478 |
Industry Groups
| SIC 6029 - Commercial Banks, Not Elsewhere Classified |
