Banco Santander, S.A. (SAN)

NYSE: SAN · USD

$11.7

-0.77 (-6.2%)· Recorded snapshot

Market cap	169.5B
Revenue (ttm)	56.2B
Net income (ttm)	17.7B
EPS (ttm)	$1.22
Shares out	9.1B
P/E (trailing)	9.6x
P/E (forward)	9.4x
Dividend	$0.21 (1.79%)
Volume	14,945,921
Beta	0.94

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 56.2B
Net income (ttm): 17.7B
EPS (ttm): $1.22
P/E (trailing): 9.6x
P/E (forward): 9.4x
Market cap: 169.5B

Ticker	Name	Market cap	P/E	P/S	ROIC	5Y rev CAGR	1Y total return	Rating
ACGL	Arch Capital Group Ltd.	34.8B	8.3x	1.8x	15.9%	+15.1%	+18.7%	Zdecydowanie kupuj
AIG	American International Group Inc.	41.7B	14.7x	1.6x	7.7%	-9.6%	+2.8%	Zdecydowanie kupuj
AIZ	Assurant, Inc.	14.1B	13.6x	1.0x	14.4%	+6.6%	+36.2%	Trzymaj

Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector percentile context

Refreshed 2026-10-28 19:55 UTC

Forward P/E9.4

P25 n/aP50 n/aP75 n/a

Trailing P/E9.6

P25 n/aP50 n/aP75 n/a

ROE13.1

P25 n/aP50 n/aP75 n/a

ROICn/a

P25 n/aP50 n/aP75 n/a

Benchmarks · 1M

All SAN indicators

Market & fundamental data

Available fields

219

Groups with data

Currency

EUR

Showing 219 of 219 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Amount currency	USD
CIK code	0000891478
Company name	Banco Santander, S.A.
Country	Spain
Country code	US
CUSIP number	05964H105
Earnings date	2026-10-28
Earnings time	bmo
Employees	185,279
Employees change	-21,457
Employees growth	-10.38%
Exchange	NYSE
Financial currency	EUR
Financial report date	2026-09-30
First seen	2026-05-09
Fiscal year end	December
Founded	1857
Industry	Banks - Diversified
IPO date	1987-07-29
Is primary listing	No
Is SPAC	No
ISIN number	US05964H1059
Last 10-K release date	2026-02-27
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split date	2020-11-12
Last stock split type	Forward
Market cap	$169.5B
Market cap category	Large-Cap
Next earnings date	2027-02-03
Options	Yes
Price	$11.70
Price currency	USD
Sector	Financials
SIC code	6029
Stock price date	2026-10-28
Symbol	SAN
Website	https://www.santander.com

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Adjusted P/E ratio	10.81x
Average P/E ratio (10Y)	9.08x
Average P/E ratio (3Y)	8.17x
Average P/E ratio (5Y)	7.18x
Earnings yield	10.46%
FCF yield	-26.01%
Forward P/E	9.41x
Graham number	15.05862
Graham upside	27.89%
Industry forward P/E	11.84x
Industry P/E	13.41x
Lynch fair value	$26.20
Lynch upside	122.47%
P/B ratio	1.34x
P/E ratio	9.56x
P/S ratio	3.22x
Price / tangible book value	1.86x
Sector forward P/E	13.61x
Sector P/E	15.68x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
Effective tax rate	24.34%
Operating margin	41.96%
Pretax margin	39.83%
Profit margin	32.68%
Profit per employee	$95,289
Revenue per employee	$303,248
ROA	0.76%
ROA (5Y)	0.67%
ROE	13.06%
ROE (5Y)	11.37%
Tax / revenue	9.7%

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
EPS growth	30.23%
EPS growth (Q)	83.02%
EPS growth (QoQ)	67.67%
EPS growth 10Y	14.58%
EPS growth 3Y	21.58%
EPS growth 5Y	30.12%
EPS growth quarters	6
Net income growth	18.87%
Net income growth (Q)	-2.06%
Net income growth (QoQ)	11.51%
Net income growth 3Y	17.66%
Net income growth 5Y	22.77%
Revenue growth	4.2%
Revenue growth (Q)	7.95%
Revenue growth (QoQ)	-3.23%
Revenue growth 10Y	3.94%
Revenue growth 3Y	3.88%
Revenue growth 5Y	6.16%
Revenue growth quarters	13

Financial statements

Income-statement and cash-flow amounts, totals and per share.

Metric	Value
Capital expenditures	$-6.1B
EPS	$1.22
FCF per share	$-5.18
Financing cash flow	$-13.3B
Free cash flow	$-47B
Gross profit	$56.2B
Income taxes	$5.4B
Investing cash flow	$8.2B
Net borrowing	$-2.7B
Net cash flow	$-44.6B
Net income	$17.7B
Operating income	$23.6B
Revenue	$56.2B

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Book value per share	$13.96
Debt / equity	0.05
Goodwill	$21.1B
Net cash (debt)	$542.8B
Net cash / market cap	300.37%
Net debt / equity	-4.04
Piotroski F-Score	2
Property, plant and equipment	$28.5B
Shareholders' equity	$134.5B
Tangible book value	$97B
Tangible book value per share	$10.69
Total assets	$2.4T
Total cash	$549.8B
Total debt	$7B
Total liabilities	$2.3T
WACC	9.08%

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	$299.6B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback yield / dilution	7.37%
Dividend growth	13.29%
Dividend growth (10Y)	2.52%
Dividend growth (3Y)	26.05%
Dividend growth (5Y)	25.61%
Dividend growth years	4
Dividend payment date	2026-11-05
Dividend payment years	6
Dividend payout frequency	Semi-Annual
Dividend per share	$0.21
Dividend yield	1.79%
Ex-dividend date	2026-10-30
Last dividend	$0.10
Payout ratio	17.66%
Shareholder yield	9.15%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y price change	149.04%
10Y return CAGR	12.32%
10Y total return	219.37%
150-day SMA	$13.27
15Y price change	32.64%
15Y return CAGR	5.92%
15Y total return	136.96%
1D price change	-6.21%
1M price change	-18.9%
1M total return	-18.9%
1W price change	-10.93%
1W total return	-10.93%
1Y price change	18.49%
1Y return CAGR	20.67%
1Y total return	20.65%
20-day SMA	$13.21
200-day SMA	$12.95
20Y price change	-28.93%
20Y return CAGR	2.79%
20Y total return	73.43%
3M price change	-16.4%
3M total return	-16.4%
3Y price change	223.96%
3Y return CAGR	51.79%
3Y total return	249.8%
50-day SMA	$14.01
50-day SMA vs 200-day SMA	50over200
52-week high	$15.05
52-week high date	2026-09-03
52-week low	$9.94
52-week low date	2025-10-28
5Y price change	208.58%
5Y return CAGR	28.49%
5Y total return	250.17%
6M price change	-2.54%
6M total return	-1.68%
All-time high	$21.41
All-time high date	2007-11-08
All-time low	$0.22
All-time low date	1992-11-06
Average true range (ATR)	$0.36
Average volume	9M
Beta (5Y)	0.94
Change from 52-week high	-22.29%
Change from 52-week low	17.63%
Change from all-time high	-45.37%
Change from all-time low	5,104.72%
Change from open	-2.46%
Day's gap	-3.85%
Dollar volume	$174.8M
High price	$12.00
Low price	$11.64
Monthly RSI	58.35
Open price	$11.99
Position in 52-week range	15.28%
Premarket change	-3.73%
Premarket close	$12.47
Premarket price	$12.01
Premarket volume	176.4K
Previous close	$12.47
Price vs 150-day SMA	-11.86%
Price vs 20-day SMA	-11.44%
Price vs 200-day SMA	-9.71%
Price vs 50-day SMA	-16.5%
Relative volume	1.66
RSI	23.73
Sharpe ratio	0.6
Sharpe ratio (3Y)	1.37
Sharpe ratio (5Y)	0.77
Sortino ratio	1.06
Sortino ratio (3Y)	2.23
Sortino ratio (5Y)	1.29
Volume	14.9M
Weekly RSI	36.49
YTD price change	-0.3%
YTD total return	0.58%

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	14.2B
Float percentage	156.07%
Shares change (QoQ)	-35.17%
Shares change (YoY)	-7.37%
Shares held by insiders	1.27%
Shares held by institutions	36.95%
Shares outstanding	9.1B
Short % of float	0.34%
Short % of shares	0.53%
Short ratio	6.5 days

Other indicators

Additional ticker metrics that do not fit the primary research groupings.

Metric	Value
Page views	316

Deeper analysis on SAN

14 sections in the full report · jump straight to what you need

Forecast

Base and Bull forecast paths with report-date return framing.

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Valuation

Fair-value bridge, DCF, owner earnings, and peer multiples.

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Sensitivity

Cost-of-equity and terminal-growth stress table.

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Risks

Kill scenarios, soft-pass flags, and downside catalysts.

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Earnings

Next earnings setup and beat / inline / miss thresholds.

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Position sizing

Entry, exit, conviction, and quarterly monitoring rules.

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Financials

Revenue, margins, cash flow, and balance-sheet context.

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Peers

Relative valuation and profitability against the cohort.

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Moat

Economic-profit evidence and competitive advantage risk.

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Industry cycle

Sector phase, capital cycle, and secular tailwinds.

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Frequently asked questions

About this SAN report

Is a complete SAN research report available?

No complete published report is available for Banco Santander, S.A. (SAN) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

Banco Santander, S.A. (SAN)

Price

Financial snapshot

Fair-value bridge

Latest news · SAN

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All SAN indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Other indicators

Deeper analysis on SAN

Frequently asked questions