Banco Santander, S.A.

SAN • Banks - Diversified

$13.13

— 0.00 (0.00%)

EarningsLatest report: Mar 31, 2026

BALANCED PROFILENeutralConfidence: 70%

Quantitative profile — not an investment recommendation.

Quantitative profile — not an investment recommendation.Methodology

Analysis thesis: Mixed profile. The company is not automatically unattractive, but valuation, growth, or balance-sheet evidence does not yet justify a stronger signal.

Market Cap

$199.03B

Growth

—

Cash Flow

2/5

Trend

Volatile

Evidence

Stable or improving margins · 11.8%Positive revenue growth · 21.4%Reasonable earnings multiple · 10.97High debt level · 4.81Weak liquidity · 0.25

Financial data as of: Mar 31, 2026, 12:00 AM UTCLast earnings update: Apr 29, 2026, 12:00 AM UTCLast profile update: Aug 5, 2026, 2:27 PM UTC

Company Snapshot

Key valuation, quality, financial strength, momentum and analyst data.

Price$13.14

Change0.00%

Shares Out15.15B

Market Cap$199.03B

52W Range8.17 - 13.78

Beta0.95

P/E6.65

P/S4.89

P/B1.37

P/FCF0.00

EV/Sales14.98

EV/EBITDA75.92

Price$13.14

Change0.00%

Shares Out15.15B

Market Cap$199.03B

52W Range8.17 - 13.78

Beta0.95

P/E6.65

P/S4.89

P/B1.37

P/FCF0.00

EV/Sales14.98

EV/EBITDA75.92

EV/FCF0.00

Earnings Yield15.03%

FCF Yield0.00%

Dividend Yield0.00%

Gross Margin40.05%

Oper. Margin15.58%

Profit Margin11.76%

Debt/Eq4.81

Current Ratio0.25

Quick Ratio0.25

Target$3.00

Target Upside-77.16%

Target Median$3.00

Target Range3.00 - 3.00

Volume6.25M

Avg Volume8.83M

EPS Surprise-0.02

Investment DNA

How strong this company looks for long-term investors

out of 100

Business Quality

Margins, moat, returns

71/100

Financial Strength

Debt, cash, stability

20/100

Growth Potential

Revenue and expansion

58/100

Price Attractiveness

Cheap or expensive today

78/100

Why this score▼

Stable or improving margins · 11.8%Positive revenue growth · 21.4%Reasonable earnings multiple · 10.97High debt level · 4.81Weak liquidity · 0.25

Analyst view

Analyst sentiment and price target

SAN

Analyst sentiment

Based on 25 analyst votes · 2026-10-20

76/100

Bullish

Hold

Bearish

Price Target

2026-06-26

Low

$3.00

Mean

$3.00

Median

$3.00

High

$3.00

Company Overview

IPO: 7/30/1987

Industry: Banks - Diversified

P/B i: 1.37

Debt / Equity i: 4.81

Operating Margin: 15.58%

Net Margin: 11.76%

ROE i: -

ROIC: -

Financial Health

Score4 / 20

Debt / Equity: 4.81

Current Ratio: 0.25

Quick Ratio: 0.25

Status: HighRisk

Warnings

High debt level
Weak Liquidity
Weak quick ratio

Insider Transactions

Recent executive and insider activity

NORDSTROM MICHAEL N.

Transaction: 12/03/2012

BUY

Change

+43

Price

$7.37

Filing

12/05/2012

Type

BUY

Insider	Type	Change	Price	Transaction	Filing
NORDSTROM MICHAEL N.	BUY	+43	$7.37	12/03/2012	12/05/2012

About the Company

Banco Santander, S.A.

Banco Santander, S.A. operates as a global financial institution, delivering a comprehensive suite of retail and commercial banking products and services. It caters to a diverse clientele, including individual consumers, small and medium-sized enterprises (SMEs), and major corporations across the world. The bank's extensive offerings encompass various deposit options, such as checking, savings, and fixed-term accounts. Its lending solutions span mortgages, consumer finance, syndicated corporate loans, and structured financing. Additionally, Santander provides critical business services like cash management, export and agency finance, trade and working capital solutions, and corporate finance, alongside a range of insurance products. The institution further specializes in cash, asset, and wealth management, as well as private banking services. Its operations also extend to corporate banking, treasury functions, risk hedging, foreign trade services, confirming, custody, and investment banking. These services are facilitated by its expansive network of 9,879 branches. Established in 1856 and based in Madrid, Spain, the company adopted its current name, Banco Santander, S.A., in June 2007, having previously been known as Banco Santander Central Hispano S.A.

Source - link

Peers

BBVA BBVXF BCLYF BCS C HSBC ING MUFG NWG RY SVNLY UBS

Size reflects market cap · color matches the chart line

1Y peer performance

Top performers + selected company

Latest news

BNP Paribas hires Santander, UBS dealmakers to bolster UK M&A advisory team

Reuters

Banco Santander, S.A. $SAN Position Increased by Tompkins Financial Corp

Tompkins Financial Corp lifted its holdings in shares of Banco Santander, S.A. (NYSE: SAN) by 46,440.8% in the quarter, according to its most recent Form 13F filing with the Securities and Exchange Commission. The institutional investor owned 55,849 shares of the bank's stock after purchasing an additional 55,729 shares during the quarter.

Defense World

A Look at Banco Santander SA (SAN) After 0.2% Decline -- GF Value $6.64 vs Price $14.19

On September 29, 2026, Banco Santander SA (SAN) shares fell 0.2% to $14.19, reflecting a slight dip in price amid a broader mixed performance over recent weeks.

GuruFocus

Santander wins UK appeal over $912 million AXA US PPI ruling

Santander won its appeal on Tuesday against a London court ruling that had ordered it to pay about £677 million ($912 million) to French insurer AXA for ‌costs arising from the mis-selling of payment protection insurance in the U.S.

Reuters

Santander Holdings USA, Inc. Announces Redemption of All Outstanding Depositary Shares Representing Interests in Its Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series I

BOSTON--(BUSINESS WIRE)--Santander Holdings USA, Inc. (“SHUSA”) today announced that, on October 15, 2026, it will redeem all of the 135,000 outstanding shares of its Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series I (“Series I Preferred Stock”), and the corresponding 5,400,000 depositary shares, NYSE: SNUS PF I, CUSIP 80282 K809 (“Depositary Shares”), each representing a 1/40th interest in a share of the Series I Preferred Stock. The Depositary Shares will be redeemed at a red.

Business Wire

Earnings Surprises

Period	Estimate	Actual	Surprise
2026-04-29	0.29	0.27	-0.02
2026-02-04	0.25	0.25	0
2025-10-29	0.25	0.23	-0.02
2025-07-30	0.26	0.22	-0.04
2025-04-30	0.22	0.22	0
2025-02-05	0.2064	0.21	0.0036
2024-10-29	0.2168	0.2168	0
2024-07-24	0.2173	0.2173	0
2024-04-30	0.1938	0.1831	-0.0107
2024-01-31	0.1946	0.1837	-0.0109
2023-10-25	0.1693	0.1798	0.0105
2023-07-26	0.1653	0.1763	0.011