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Banco Santander, S.A.BME:SAN Stock Report

Market Cap €144.2b
Share Price
€9.96
€11.95
16.7% undervalued intrinsic discount
1Y57.2%
7D2.9%
Portfolio Value
View

Banco Santander, S.A.

BME:SAN Stock Report

Market Cap: €144.2b

Banco Santander (SAN) Stock Overview

Provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. More details

SAN fundamental analysis
Snowflake Score
Valuation4/6
Future Growth3/6
Past Performance4/6
Financial Health4/6
Dividends4/6

SAN Community Fair Values

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€11.1
FV
10.0% undervalued intrinsic discount
11.40%
Revenue growth p.a.
49
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2users have followed this narrative
€7.1
FV
40.6% overvalued intrinsic discount
8.67%
Revenue growth p.a.
41
users have viewed this narrative
0users have liked this narrative
0users have commented on this narrative
2users have followed this narrative

Banco Santander, S.A. Competitors

Price History & Performance

Summary of share price highs, lows and changes for Banco Santander
Historical stock prices
Current Share Price€9.99
52 Week High€11.26
52 Week Low€4.65
Beta0.92
1 Month Change-2.53%
3 Month Change-0.82%
1 Year Change57.23%
3 Year Change192.19%
5 Year Change238.54%
Change since IPO1,868.75%

Recent News & Updates

Recent updates

Banco Santander's (BME:SAN) Upcoming Dividend Will Be Larger Than Last Year's

Oct 18
Banco Santander's (BME:SAN) Upcoming Dividend Will Be Larger Than Last Year's

Banco Santander (BME:SAN) Is Paying Out A Larger Dividend Than Last Year

Oct 03
Banco Santander (BME:SAN) Is Paying Out A Larger Dividend Than Last Year

Here's Why We Think Banco Santander (BME:SAN) Is Well Worth Watching

Jun 25
Here's Why We Think Banco Santander (BME:SAN) Is Well Worth Watching

Banco Santander set to boost capital revenues and RoTE by 2025

Banco Santander is present in Europe (Germany, Austria, Belgium, Denmark, Spain, Finland, Isle of Man, Italy, Norway, Poland, Portugal and the UK); North America (USA, Mexico); South America (Argentin
User avatar

Santander's Global Expansion And Innovation Set To Drive Impressive Revenue Growth And Efficiency Gains

Strategic expansions in digital onboarding and cross-border operations enhance revenue growth and fee income globally.

Shareholder Returns

SANES BanksES Market
7D2.9%-0.02%0.9%
1Y57.2%43.1%24.7%

Return vs Industry: SAN exceeded the Spanish Banks industry which returned 43.1% over the past year.

Return vs Market: SAN exceeded the Spanish Market which returned 24.7% over the past year.

Price Volatility

Is SAN's price volatile compared to industry and market?
SAN volatility
SAN Average Weekly Movement5.2%
Banks Industry Average Movement4.4%
Market Average Movement3.8%
10% most volatile stocks in ES Market6.6%
10% least volatile stocks in ES Market0.8%

Stable Share Price: SAN's share price has been volatile over the past 3 months compared to the Spanish market.

Volatility Over Time: SAN's weekly volatility (5%) has been stable over the past year, but is still higher than 75% of Spanish stocks.

About the Company

FoundedEmployeesCEOWebsite
1856195,322Hector Grisi Checawww.santander.com

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.

Banco Santander, S.A. Fundamentals Summary

How do Banco Santander's earnings and revenue compare to its market cap?
SAN fundamental statistics
Market cap€144.22b
Earnings (TTM)€11.94b
Revenue (TTM)€46.84b
12.1x
P/E Ratio
1.4x
P/B Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
SAN income statement (TTM)
Revenue€46.84b
Cost of Revenue€0
Gross Profit€46.84b
Other Expenses€34.90b
Earnings€11.94b

Last Reported Earnings

Dec 31, 2025

Next Earnings Date

Apr 29, 2026

Earnings per share (EPS)0.83
Gross Margin100.00%
Net Profit Margin25.49%
Debt/Equity Ratio337.9%

How did SAN perform over the long term?

See historical performance and comparison

Dividends

2.5%
Current Dividend Yield
30%
Payout Ratio

Does SAN pay a reliable dividends?

See SAN dividend history and benchmarks
When do you need to buy SAN by to receive an upcoming dividend?
Banco Santander dividend dates
Ex Dividend DateApr 30 2026
Dividend Pay DateMay 05 2026
Days until Ex dividend28 days
Days until Dividend pay date33 days

Does SAN pay a reliable dividends?

See SAN dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/04/01 00:12
End of Day Share Price 2026/04/01 00:00
Earnings2025/12/31
Annual Earnings2025/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Banco Santander, S.A. is covered by 36 analysts. 14 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Carlos PeixotoBanco BPI, S.A.
Javier Esteban LarioBanco de Sabadell. S.A.
Thomas Andrew RaynerBarclays