Banco Santander SA (SAN US)
SAN US$11.69
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Performance
Share price activity
- Last (Price)
- 11.69
- Change
- ▼ -0.78 (-6.26)
- Bid / Ask
- 11.69 - 11.70
- Volume
- 1,946,791
- Turnover
- 21,839,852
- Open
- 12.00
- Day Range
- 11.64 - 12.00
- VWAP
- 11.77
- Prev Close
- 12.47
- Last Trade
- 28/10 4:10pm
Key information
- Sector
- Financial Services
- Shares Issued
- 14,556,482,801
- NTA/Share
- 6.50
- Last Dividend
- 0.15
- Dividend Ex Date
- 4 MAY 2026
- Dividend Pay Date
- 8 MAY 2026
Current (EUR) · FY2025
- Revenue
- 60,023.00
- EBITDA
- —
- Profit
- 14,723.00
- Earnings Per Share (EPS)
- 0.90
- Dividend Per Share (DPS)
- 0.24
- Yield %
- 2.38
- Market Cap
- 168,915.89
- Price to Earnings Ratio (P/E)
- 11.32
Estimates (EUR) · FY2027
- Revenue
- 69,529.00
- EBITDA
- —
- Profit
- 17,932.33
- Earnings Per Share (EPS)
- 1.27
- Dividend Per Share (DPS)
- 0.45
Quantitative rating
Undervalued
- Economic Moat
- Narrow
- Financial Health
- Moderate
- Uncertainty
- High
Morningstar Quantitative Rating as of 28 OCT 2026.
Quantitative Equity Rating Methodology – view here
Fair value estimate
Five-star price 10.75 Fair value 12.92 One-star price 15.53
Morningstar Quantitative Rating as of 28 OCT 2026.
Quantitative valuation
- Fair Value
- 12.92
- Price / Fair Value
- 0.90
- Valuation
- Undervalued
- Uncertainty
- High
Morningstar Quantitative Rating as of 28 OCT 2026. The slider runs from the five-star price (10.75) to the one-star price (15.53).
| Ratios |
|---|
| Currency (Price/reporting): USD/EUR |
| Exchange Rate: 1.1133 |
| Price - closing or last bid | 11.69 |
| Price - 12 month high | 15.05 |
| Price - 12 month low | 9.95 |
| Pricing date | 27 OCT 2026 |
| Volume - avg. trading volume for the last ten days | 7.67 |
| Market capitalization | 168,550.05 |
| 12 Month High price date | 3 SEP 2026 |
| 12 Month Low price date | 28 OCT 2025 |
| Volume - avg. trading volume for the last 3 months | 12.02 |
| Price - 1 Day % Change | -6.26% |
| Price - 13 week price percent change | -16.38% |
| Price - 26 week price percent change | -3.15% |
| Price - 5 Day % Change | -12.04% |
| Price - 52 week price percent change | 16.20% |
| Price - YTD price percent change | -1.27% |
| Price % Change Month To Date | -17.79% |
| EPS excluding extraordinary items - most recent fiscal year | 0.836 |
| EPS excluding extraordinary items - trailing 12 month | 0.910 |
| EPS Normalized - most recent fiscal year | 0.935 |
| Revenue/share - most recent fiscal year | 4.008 |
| Revenue/share - trailing 12 month | 4.307 |
| Book value per share - most recent fiscal year | 7.029 |
| Book value per share - most recent quarter | 7.692 |
| Book value (tangible) per share - most recent fiscal year | 6.502 |
| Book value (tangible) per share - most recent quarter | 6.365 |
| Cash per share - most recent fiscal year | 12.215 |
| Cash per share - most recent quarter | 21.925 |
| Cash Flow per share - most recent fiscal year | 2.797 |
| Cash Flow per share - trailing 12 month | — |
| Dividend per share - most recent fiscal year | 0.240 |
| Dividends per share - trailing 12 month | 0.278 |
| EBITD per share - trailing 12 month | — |
| EPS Basic excluding extraordinary items - most recent fiscal year | 0.840 |
| EPS Basic excluding extraordinary items - trailing 12 month | 0.918 |
| EPS including extraordinary items - most recent fiscal year | 0.905 |
| EPS including extraordinary items - trailing 12 month | 1.070 |
| Free Cash Flow per share - trailing 12 month | — |
| P/E excluding extraordinary items, most recent fiscal year | 11.06 |
| P/E Normalized, most recent fiscal year | 9.57 |
| Price to sales - most recent fiscal year | 2.34 |
| Price to Tangible Book - most fiscal year | 1.75 |
| Price to Free Cash Flow per Share - most recent fiscal year | 4.53 |
| Price to Cash Flow per share - trailing 12 month | 3.70 |
| Price to Book - most recent fiscal year | 1.34 |
| P/E excluding extraordinary items high, trailing 12 months | 15.05 |
| P/E excluding extraordinary items low, trailing 12 months | 11.06 |
| Net Debt, LFI | 1,442,631.00 |
| Net Debt, LFY | 1,325,303.00 |
| Dividend Yield - 5 Year Average | 2.97% |
| Dividend Yield - indicated annual dividend divided by closing price | 2.23% |
| Current Dividend Yield - Common Stock Primary Issue, LTM | 2.38% |
| Free Cash Flow - most recent fiscal year | 34,234.00 |
| LT debt/equity - most recent fiscal year | — |
| Payout ratio - most recent fiscal year | 26.67% |
| Total debt/total equity - most recent fiscal year | 1,334.48% |
| LT debt/equity - most recent quarter | — |
| Total debt/total equity - most recent quarter | 1,486.88% |
| Free Cash Flow - trailing 12 month | — |
| Payout ratio - trailing 12 month | — |
| Revenue - most recent fiscal year | 60,023.00 |
| Revenue - trailing 12 month | 62,777.00 |
| EBITD - most recent fiscal year | — |
| EBITD - trailing 12 month | — |
| Earnings before taxes - most recent fiscal year | 18,681.00 |
| Earnings before taxes - trailing 12 month | 19,709.00 |
| Net Income available to common - most recent fiscal year | 14,723.00 |
| Net Income available to common - trailing 12 months | 16,169.00 |
| Earnings before taxes Normalized - most recent fiscal year | 18,661.00 |
| Net Income Available to Common, Normalized - most recent fiscal year | 13,997.00 |
| Earnings per Share, Normalized, Excluding Extraordinary Items, Avg. Diluted Shares Outstanding, TTM | 1.05 |
| Net Profit Margin % - 1st historical fiscal year | 23.25% |
| Net Profit Margin % - trailing 12 month | 23.75% |
| Operating margin - 1st historical fiscal year | — |
| Operating margin - trailing 12 month | — |
| Pretax margin - trailing 12 month | 31.40% |
| Pretax margin - 1st historical fiscal year | 31.12% |
| Operating Margin - 5 year average | — |
| Pretax Margin - 5 year average | 28.91% |
| Free Operating Cash Flow/Revenue, 5 Year Average | — |
| Free Operating Cash Flow/Revenue, TTM | — |
| Net Profit Margin - 5 year average | 20.68% |
| Return on average assets - most recent fiscal year | 0.76% |
| Return on average assets - trailing 12 month | 0.77% |
| Return on average equity - most recent fiscal year | 13.83% |
| Return on average equity - trailing 12 month | 14.04% |
| Return on average assets - 5 year average | 0.69% |
| Return on average equity - 5 year average | 13.04% |
| Net Income/employee - most recent fiscal year | 72,606.78 |
| Revenue/employee - most recent fiscal year | 312,227.88 |
| Revenue growth rate, 5 year | 5.12% |
| EPS growth rate, 5 year | — |
| Growth rate% - dividend, 3 year | 29.45% |
| Revenue/share (5 yr growth) | 8.22% |
| Growth rate% - Revenue, 3 year | 3.45% |
| Growth rate% - EPS, 3 year | 18.78% |
| Book value per share growth rate, 5 year | 8.52% |
| Capital Spending growth rate, 5 year | -2.11% |
| Earnings Before Interest, Taxes, Depreciation & Amortization, 5 Year CAGR | — |
Financial forecast (EUR, millions except per share)
| Actuals | Estimates | |||||||
| 2025 | 2026 | 2027 | 2028 | 2029 | ||||
| Estimate breakdown | ||||||||
Financials (EUR, millions)
| Period end: | DEC 21 | DEC 22 | DEC 23 | DEC 24 | DEC 25 |
| Fiscal year: | 2021 | 2022 | 2023 | 2024 | 2025 |
| Period length: | 12 months | 12 months | 12 months | 12 months | 12 months |
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Business Summary
Santander runs five global businesses: retail and commercial banking, corporate and investment banking, wealth management and insurance, payments, and a digital platform Openbank. Spain is the largest single profit contributor, followed byBrazil, the United States, Mexico and the United Kingdom.