Banco Santander, S.A. (SAN)

14.67 +0.82% (+0.12)

Over 1M: +4.0%

2026-08-28

14.2 14.5 14.8

31 Jul 5 Aug 10 Aug 13 Aug 18 Aug 21 Aug 26 Aug

Financials Annual

Figures

Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

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-30B 0 30B 60B 90B 120B

2021 2022 2023 2024 2025

Revenue Operating Cash Flow Free Cash Flow Net Income

Figures as at 2025-12-31, reported in EUR. The newest fact in the filings is dated 2025-12-31, 242 days ago. Nothing on this page is advice.

How it scores

Five questions, each answered by the measures under it. Every figure is the company's own; the bar beside it is where that figure sits among the companies read here — the top fifth, the bottom fifth, or somewhere between. Not among all listed companies, and for a valuation multiple the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

5.9

SBC / sales 0.0%

OE margin -20.3%

Accruals 1.6%

Gross margin 57.3%

Profit margin 15.2%

ROE 13.7%

Capex / sales 5.8%

ROA 0.83%

Asset turnover 0.054×

FCF margin -20.3%

OCF margin -14.6%

Adj. EBITDA margin —

EBITDA margin —

OCF / EBIT —

Oper. margin —

ROCE —

ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

0.5

Div. yield —

EV/EBIT —

EV/GP —

EV/OE —

EV/Sales —

FCF yield —

Fwd P/E —

P/B —

P/C —

P/E —

PEG —

Shareholder yield —

0 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

0.5

Cash-flow margin stability —

Gross margin stability across years —

Prepaid revenue growth —

RPO / sales —

RPO growth —

Revenue growth in the worst year on record —

Segment HHI —

0 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

9.0

Cash runway 7.3 yr

ND/EBITDA —

Cash / Debt 83.6×

Debt / Eq 0.016×

Debt payback 0.0 yr

Net debt / Eq 0.0×

Payout 21.6%

Equity / Assets 6.0%

Current ratio —

F-score —

Interest cover —

Quick ratio —

2 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.0

Sales/sh Y/Y -3.0%

EPS CAGR 4Y +19.9%

Shares change -3.8%

EPS Y/Y +17.2%

Div. growth —

EBIT CAGR —

EBIT Y/Y —

EPS next Y —

Gross profit Y/Y —

Most recent margin move —

Operating margin trend —

Sales CAGR 4Y —

Sales Q/Q —

1 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.