FRA/BSD2 (FRA/BSD2)

Frankfurt Stock Exchange: FRA/BSD2 · EUR

€11.3

+0.18 (+1.6%)· Recorded snapshot

Market cap	162.2B
Revenue (ttm)	49.5B
Net income (ttm)	15.5B
EPS (ttm)	€1.07
P/E (trailing)	10.6x
P/E (forward)	9.4x
Dividend	€0.20 (1.80%)
Volume	4,044

Market data

Price

Recent price action with selectable time range.

Financial snapshot

Revenue (ttm): 49.5B
Net income (ttm): 15.5B
EPS (ttm): €1.07
P/E (trailing): 10.6x
P/E (forward): 9.4x
Market cap: 162.2B

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 8.8P50 10.7P75 13.9

Trailing P/E10.6

P25 8.6P50 11.8P75 15.9

ROE13.1

P25 6.7P50 11.7P75 17.1

ROICn/a

P25 1.3P50 7.7P75 16.1

Benchmarks · 1M

All FRA/BSD2 indicators

Market & fundamental data

Available fields

200

Groups with data

Currency

EUR

Showing 200 of 200 available metrics for this ticker.

Profile and market data

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

Metric	Value
Amount currency	EUR
Country	Spain
Country code	DE
Earnings date	2026-10-28
Employees	185,279
Employees change	-19,051
Employees growth	-9.32%
Exchange	Frankfurt Stock Exchange
Financial currency	EUR
Financial report date	2026-09-30
First seen	2026-05-10
Fiscal year end	December
Founded	1856
Industry	Banks - Diversified
Is primary listing	No
ISIN number	ES0113900J37
Last earnings date	2026-10-28
Last refreshed	2026-10-28
Last stock split date	2020-11-16
Last stock split type	Forward
Market cap	EUR 162.2B
Next earnings date	2027-02-03
Price	EUR 11.34
Price currency	EUR
Sector	Financials
SIC code	6020
Stock price date	2026-10-27
Symbol	fra/BSD2
Website	https://www.santander.com

Valuation

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

Metric	Value
Average P/E ratio (10Y)	9.08x
Average P/E ratio (3Y)	8.17x
Average P/E ratio (5Y)	7.18x
Earnings yield	9.42%
FCF yield	-26.02%
Forward P/E	9.41x
Graham number	14.22422
Graham upside	25.48%
Lynch fair value	EUR 24.74
Lynch upside	118.28%
P/B ratio	1.37x
P/E ratio	10.62x
P/S ratio	3.28x
Price / tangible book value	1.9x
Sector forward P/E	11.87x
Sector P/E	12.91x

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	EUR 83,911
Profitable quarters	24
Profitable years	5
Revenue per employee	EUR 267,041
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	14
EPS growth years	5
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%
Net income growth quarters	22
Net income growth years	5
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	1
Revenue growth years	0

Financial statements

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

Metric	Value
Capital expenditures	EUR -5.5B
EPS	EUR 1.07
Financing cash flow	EUR -11.9B
Free cash flow	EUR -42.2B
Gross profit	EUR 49.5B
Income taxes	EUR 4.8B
Investing cash flow	EUR 7.4B
Net borrowing	EUR -2.4B
Net cash flow	EUR -40B
Net income	EUR 15.5B
Operating income	EUR 20.8B
Revenue	EUR 49.5B

Financial strength

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

Metric	Value
Book value per share	EUR 12.29
Debt / equity	0.05
Goodwill	EUR 18.9B
Net cash (debt)	EUR 478B
Net cash / market cap	294.71%
Net debt / equity	-4.04
Piotroski F-Score	2
Property, plant and equipment	EUR 25.6B
Shareholders' equity	EUR 118.4B
Tangible book value	EUR 85.4B
Tangible book value per share	EUR 9.41
Total assets	EUR 2.1T
Total cash	EUR 484.1B
Total debt	EUR 6.2B
Total liabilities	EUR 2T

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Working capital	EUR 263.9B

Dividends and buybacks

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

Metric	Value
Buyback yield / dilution	7.37%
Dividend growth	12%
Dividend growth (10Y)	2.78%
Dividend growth (3Y)	21.5%
Dividend growth (5Y)	25.04%
Dividend growth years	4
Dividend payment date	2026-11-02
Dividend payment years	6
Dividend payout frequency	Semi-Annual
Dividend per share	EUR 0.20
Dividend yield	1.8%
Ex-dividend date	2026-10-29
Last dividend	EUR 0.10
Payout ratio	21.54%
Shareholder yield	9.17%

Performance and technicals

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

Metric	Value
10Y price change	162.59%
10Y return CAGR	13.27%
10Y total return	247.5%
150-day SMA	EUR 11.62
15Y price change	96.62%
15Y return CAGR	8.88%
15Y total return	258.06%
1D price change	1.65%
1M price change	-11.76%
1M total return	-11.76%
1W price change	-7.61%
1W total return	-7.61%
1Y price change	33.48%
1Y return CAGR	36.22%
1Y total return	36.19%
20-day SMA	EUR 11.97
200-day SMA	EUR 11.28
20Y price change	-10.53%
20Y return CAGR	4.12%
20Y total return	124.35%
3M price change	-6.3%
3M total return	-6.3%
3Y price change	219.91%
3Y return CAGR	51.64%
3Y total return	248.76%
50-day SMA	EUR 12.39
50-day SMA vs 200-day SMA	50over200
52-week high	EUR 13.04
52-week high date	2026-08-13
52-week low	EUR 8.44
52-week low date	2025-10-27
5Y price change	233.69%
5Y return CAGR	31.03%
5Y total return	286.14%
6M price change	8.95%
6M total return	10.01%
All-time high	EUR 14.00
All-time high date	2007-11-09
All-time low	EUR 1.45
All-time low date	2020-09-24
Average true range (ATR)	EUR 0.27
Average volume	7.9K
Change from 52-week high	-13.07%
Change from 52-week low	34.31%
Change from all-time high	-20.34%
Change from all-time low	669.63%
Change from open	1.94%
Day's gap	-0.27%
Dollar volume	EUR 45,843
High price	EUR 11.34
Low price	EUR 11.08
Monthly RSI	65.41
Open price	EUR 11.12
Position in 52-week range	98.46%
Previous close	EUR 11.15
Price vs 150-day SMA	-4%
Price vs 20-day SMA	-6.81%
Price vs 200-day SMA	-1.15%
Price vs 50-day SMA	-10.01%
Relative volume	0.51
RSI	31.1
Sharpe ratio	0.95
Sharpe ratio (3Y)	1.42
Sharpe ratio (5Y)	0.91
Sortino ratio	1.59
Sortino ratio (3Y)	2.28
Sortino ratio (5Y)	1.52
Volume	4K
Weekly RSI	43.44
YTD price change	10.22%
YTD total return	11.29%

Ownership and float

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

Metric	Value
Float	14.2B
Shares change (QoQ)	-35.17%
Shares change (YoY)	-7.37%
Shares held by insiders	1.27%
Shares held by institutions	36.96%

Deeper analysis on FRA/BSD2

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

Forecast

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

→

Valuation

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

→

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.

→

Frequently asked questions

About this FRA/BSD2 report

Is a complete FRA/BSD2 research report available?

No complete published report is available for fra/BSD2 (FRA/BSD2) on this page. Market-directory data, when present, is not a substitute for a validated stock analysis.

FRA/BSD2 (FRA/BSD2)

Price

Financial snapshot

Fair-value bridge

Latest news · FRA/BSD2

Valuation

Profitability

Balance sheet

Trading

Next earnings

Sector percentile context

All FRA/BSD2 indicators

Profile and market data

Valuation

Profitability

Growth

Financial statements

Financial strength

Liquidity

Dividends and buybacks

Performance and technicals

Ownership and float

Deeper analysis on FRA/BSD2

Frequently asked questions