Banco Santander, S.A.(SAN)Earnings, Financials & Key RatiosBanco Santander, S.A. (SAN) stock price & volume — 10-year historical chart
Investment Thesis • Updated 2025Q4
while the bank maintains a stable 0.06 equity-to-assets ratio, the contraction of net interest income to $10.8B in 2025Q4 and persistent credit provisioning risks warrant a cautious wait-and-see approach.
Banco Santander, S.A. (SAN) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Banco Santander, S.A. (SAN) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | Apr 29, 2026 | $0.27vs $0.29-6.9% | $17.7Bvs $17.7B+0.3% |
| Q1 2026 | Feb 4, 2026 | $0.25vs $0.25+0.0% | $19.0Bvs $18.4B+3.0% |
| Q1 2026 | Feb 3, 2026 | $0.28vs $0.24+16.7% | $15.0Bvs $14.6B+2.7% |
| Q4 2025 | Oct 29, 2025 | $0.23vs $0.25-8.0% | $14.2Bvs $15.9B-10.8% |
Recent stock market news and headlines for Banco Santander, S.A. (SAN)
Santander Brasil has sold off sharply, but the weakness looks more transitional than structural. Loan growth is weak by design, as Santander Brasil is prioritizing better clients and portfolio quality over volume. ROE is still pressured, which explains the below-book valuation, but management still sees a path back toward 20%.
European banks delivered their best performance in years in 2025, and investors have been tempted to take profits during the sector's recent pullback. But this rally is no bubble, and there's plenty of evidence international bank stocks are still undervalued compared to their domestic peers.
Spain's Santander has started conversations with unions over a plan to offer early voluntary retirement to up to 3,000 employees in Spain, Spanish newspaper Expansion reported on Wednesday.
Santander is extending artificial intelligence (AI) tools to all its employees as it works toward its goal of generating over 1 billion euros (about $1.15 billion) in business value from the technology between 2026 and 2028.
Santander has overtaken fashion giant Inditex to become Spain's most valuable listed company for the first time in eight years, lifted by a recent rally in banking shares.
Key metrics vs top competitors for Banco Santander, S.A. (SAN)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $14.37 | $210.93B | 14.47 | -7.71% | 11.76% | 12.81% | 1.6% | |
| $26.14 | $145.65B | 13.55 | 4.08% | 22.98% | 17.25% | — | |
| $37.04 | $70.86B | 10.50 | -8.25% | 12.79% | 8.7% | — | |
| $32.96 | $94.81B | 13.62 | -65.31% | 15.23% | 12.38% | — | |
| $28.41 | $95.94B | 11.84 | -10.85% | 25.26% | 9.19% | — | |
| $52.15 | $170.94B | 22.10 | -0.51% | 10.48% | 7% | — |
Banco Santander, S.A. (SAN) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
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Banco Santander, S.A. (SAN) stock FAQ — growth, dividends, profitability & financials explained
Banco Santander, S.A. (SAN) saw revenue decline by 7.7% over the past year.
Yes, Banco Santander, S.A. (SAN) is profitable, generating $13.59B in net income for fiscal year 2025 (11.8% net margin).
Yes, Banco Santander, S.A. (SAN) pays a dividend with a yield of 1.60%. This makes it attractive for income-focused investors.
Banco Santander, S.A. (SAN) has a return on equity (ROE) of 12.8%. This is reasonable for most industries.
Banco Santander, S.A. (SAN) has a net interest margin (NIM) of 2.3%. NIM has been under pressure due to interest rate environment.
Banco Santander, S.A. (SAN) has an efficiency ratio of 24.5%. This is excellent, indicating strong cost control.
