Banco Santander, S.A. (SAN)
Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; corporate and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. The company was incorporated in 1856 and is headquartered in Madrid, Spain.
- Ticker
- SAN
- Exchange
- NYSE
- Sector
- Financial Services
- Industry
- Banks - Diversified
- 52-week range
- $10.05 - $15.05
Valuation
- Share price
- $11.74 (close of Nov 6, 2026)
- P/E (TTM)
- 11.55x
- Price to book
- 1.36x
- Price to free cash flow
- -7.42x
Price performance
| Period | Change |
|---|---|
| 1 day | -2.25% |
| 5 days | +4.92% |
| 1 month | -16.20% |
| 3 months | -19.86% |
| 6 months | -5.32% |
| Year to date | +0.09% |
| 1 year | +14.09% |
| 3 years | +211.41% |
| 5 years | +210.58% |
| 10 years | +149.79% |
| All time | +169.85% |
Short interest
- As of
- Oct 15, 2026
- Short % of float
- 0.27%
- Shares short
- 32.16M
- Days to cover
- 3.27
- Change since prior report
- -33.28%
- Source
- FINRA consolidated short interest
Members of Congress who disclosed SAN trades
Alan Armstrong · Gilbert Ray Cisneros
Profitability and growth
- Return on equity
- 12.51%
- Return on assets
- 0.76%
- Net margin
- 24.18%
- Revenue growth
- 0.46%
- Net income growth
- 12.14%
Cash flow and balance sheet
- Free cash flow yield (TTM)
- -13.47%
- Net debt to EBITDA
- 7.91x
Latest reported year
- Period end
- Dec 31, 2025
- Fiscal year
- 2025
- Shares outstanding
- 14.89B
Margins and returns by year
| Period end | Net margin | Return on equity |
|---|---|---|
| 2025-12-31 | 24.18% | 12.51% |
| 2024-12-31 | 21.66% | 11.72% |
| 2023-12-31 | 20.53% | 10.63% |
| 2022-12-31 | 18.43% | 9.84% |
| 2021-12-31 | 17.51% | 8.37% |
| 2020-12-31 | -19.81% | -9.60% |
| 2019-12-31 | 13.23% | 5.89% |
| 2018-12-31 | 16.13% | 7.30% |
| 2017-12-31 | - | 6.20% |
| 2016-12-31 | - | 6.04% |
Investor relations
Past earnings dates
| Reported | Fiscal period | EPS estimate |
|---|---|---|
| 2026-10-28 | Sep 2026 | - |
| 2026-07-22 | Jun 2026 | - |
| 2026-04-29 | Mar 2026 | - |
| 2026-02-03 | Dec 2025 | - |
| 2025-10-29 | Sep 2025 | - |
| 2025-07-30 | Jun 2025 | - |
| 2025-04-30 | Mar 2025 | - |
| 2025-02-05 | Dec 2024 | - |
Filings and sources
- Company website
- santander.com
- SEC filings
- 10-K, 10-Q and 8-K on EDGAR
- Earnings calendar
- All upcoming reports
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All Financial Services companies
Understanding these figures
Price-to-earnings ratio · Short interest · Discounted cash flow · Free cash flow · Earnings per share · Return on equity · Gross margin vs net margin · Reading a balance sheet · Debt and leverage · Dividend yield · Insider transactions and Form 4 · How to read a stock chart
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