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Banco Santander, S.A. BCDRF

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Price alert · BCDRF

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11.13 USD -0.87 -7.25%

At close · Oct 30

11.20 Day range 11.20
9.86 52-week range 15.65
YTD
-8.85%
1 year
+7.74%
Open
11.20
Prev close
12.00
Mkt cap
160.48B
Vol
1.00K
Avg vol
471.87K
EPS
1.06
P/E
10.50
More statistics
Low
11.20
High
11.20
Earnings
Oct 28, 2026

5D chart

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Financial health

Altman Z-Score

0.27 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 3
  • Return on Equity 4
  • Return on Assets 2
  • Debt / Equity 1
  • P/E 3
  • P/B 2

Valuation

P/E 11.5×
FY 2016: 12.3×FY 2017: 13.8×FY 2018: 8.8×FY 2019: 10.3×FY 2020: -4.5×FY 2021: 6.7×FY 2022: 5.0×FY 2023: 5.9×FY 2024: 5.4×FY 2025: 11.5×
FY 2016 5y median 5.9× FY 2025
P/S 1.3×
FY 2016: 2.1×FY 2017: 2.2×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.3×FY 2021: 1.3×FY 2022: 1.1×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
P/B 1.5×
FY 2016: 0.8×FY 2017: 0.9×FY 2018: 0.6×FY 2019: 0.6×FY 2020: 0.5×FY 2021: 0.6×FY 2022: 0.5×FY 2023: 0.6×FY 2024: 0.7×FY 2025: 1.5×
FY 2016 5y median 0.6× FY 2025
P/FCF 2.0×
FY 2016: 5.4×FY 2017: 2.8×FY 2018: -7.0×FY 2019: -5.7×FY 2020: 0.7×FY 2021: 1.1×FY 2022: 2.7×FY 2023: -7.2×FY 2024: -1.9×FY 2025: 2.0×
FY 2016 5y median 1.1× FY 2025
EV/EBITDA 18.1×
FY 2016: 17.1×FY 2017: 12.9×FY 2018: 7.6×FY 2019: 16.5×FY 2020: -871×FY 2021: 4.5×FY 2022: 4.5×FY 2023: 2.9×FY 2024: 15.9×FY 2025: 18.1×
FY 2016 5y median 4.5× FY 2025
EV/Sales 3.2×
FY 2016: 5.7×FY 2017: 4.2×FY 2018: 2.8×FY 2019: 5.7×FY 2020: 4.7×FY 2021: 1.7×FY 2022: 1.9×FY 2023: 1.2×FY 2024: 7.0×FY 2025: 3.2×
FY 2016 5y median 1.9× FY 2025
FCF Yield 48.9%
FY 2016: 18.7%FY 2017: 36.1%FY 2018: -14.4%FY 2019: -17.5%FY 2020: 135.6%FY 2021: 89.5%FY 2022: 36.8%FY 2023: -13.9%FY 2024: -53.8%FY 2025: 48.9%
FY 2016 5y median 36.8% FY 2025

Profitability

Gross Margin 40.0%
FY 2016: 100.0%FY 2017: 98.4%FY 2018: 112.8%FY 2019: 100.0%FY 2020: 48.1%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 100.0%FY 2025: 40.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 15.6%
FY 2016: 40.2%FY 2017: 43.1%FY 2018: 49.7%FY 2019: 44.4%FY 2020: 35.3%FY 2021: 37.3%FY 2022: 44.3%FY 2023: 45.7%FY 2024: 34.1%FY 2025: 15.6%
FY 2016 5y median 37.3% FY 2025
Net Margin 11.8%
FY 2016: 18.0%FY 2017: 16.8%FY 2018: 19.9%FY 2019: 15.9%FY 2020: -27.5%FY 2021: 20.8%FY 2022: 22.9%FY 2023: 24.2%FY 2024: 24.8%FY 2025: 11.8%
FY 2016 5y median 22.9% FY 2025
ROE 13.7%
FY 2016: 6.8%FY 2017: 7.0%FY 2018: 8.1%FY 2019: 6.5%FY 2020: -10.8%FY 2021: 9.3%FY 2022: 10.8%FY 2023: 11.6%FY 2024: 12.8%FY 2025: 13.7%
FY 2016 5y median 11.6% FY 2025
ROIC 0.8%
FY 2016: 1.4%FY 2017: 1.6%FY 2018: 1.8%FY 2019: 2.2%FY 2020: 2.2%FY 2021: 1.7%FY 2022: 1.9%FY 2023: 1.1%FY 2024: 1.7%FY 2025: 0.8%
FY 2016 5y median 1.7% FY 2025
ROA 0.8%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.5%FY 2019: 0.4%FY 2020: -0.6%FY 2021: 0.5%FY 2022: 0.6%FY 2023: 0.6%FY 2024: 0.7%FY 2025: 0.8%
FY 2016 5y median 0.6% FY 2025

Growth (YoY)

Revenue 136.0%
FY 2016: -2.0%FY 2017: 14.3%FY 2018: -0.2%FY 2019: 4.1%FY 2020: -22.2%FY 2021: 22.5%FY 2022: 7.5%FY 2023: 9.1%FY 2024: 11.0%FY 2025: 136.0%
FY 2016 FY 2025
Operating Income 7.7%
FY 2016: -0.9%FY 2017: 22.6%FY 2018: 14.9%FY 2019: -6.9%FY 2020: -38.1%FY 2021: 29.3%FY 2022: 27.9%FY 2023: 12.5%FY 2024: -17.1%FY 2025: 7.7%
FY 2016 FY 2025
EPS (diluted) 16.9%
FY 2016: 2.6%FY 2017: 0.0%FY 2018: 10.3%FY 2019: -20.9%FY 2020: -258.8%FY 2021: 181.5%FY 2022: 22.7%FY 2023: 20.4%FY 2024: 18.5%FY 2025: 16.9%
FY 2016 FY 2025
Free Cash Flow 323.4%
FY 2016: 272.4%FY 2017: 131.4%FY 2018: -128.1%FY 2019: -22.5%FY 2020: 635.9%FY 2021: -21.4%FY 2022: -62.8%FY 2023: -151.2%FY 2024: -302.8%FY 2025: 323.4%
FY 2016 FY 2025

Financial Health

Current Ratio 1.8×
FY 2016: 116×FY 2017: 113×FY 2018: 160×FY 2019: 7.4×FY 2020: 11.0×FY 2021: 11.8×FY 2022: 7.1×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
Quick Ratio 1.8×
FY 2016: 116×FY 2017: 113×FY 2018: 160×FY 2019: 13.9×FY 2020: 11.0×FY 2021: 22.8×FY 2022: 14.8×FY 2023: 0.7×FY 2024: 0.3×FY 2025: 1.8×
FY 2016 5y median 1.8× FY 2025
Debt / Equity 4.8×
FY 2016: 2.5×FY 2017: 2.3×FY 2018: 2.6×FY 2019: 3.0×FY 2020: 3.2×FY 2021: 2.9×FY 2022: 3.2×FY 2023: 2.3×FY 2024: 4.9×FY 2025: 4.8×
FY 2016 5y median 3.2× FY 2025
Net Debt / EBITDA 10.6×
FY 2016: 10.8×FY 2017: 6.2×FY 2018: 3.4×FY 2019: 12.2×FY 2020: -623×FY 2021: 1.0×FY 2022: 2.0×FY 2023: -0.3×FY 2024: 13.0×FY 2025: 10.6×
FY 2016 5y median 2.0× FY 2025
Interest Coverage 0.3×
FY 2016: 0.6×FY 2017: 0.8×FY 2018: 1.0×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 1.1×FY 2022: 0.6×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 2.1%
FY 2016: 3.2%FY 2017: 3.1%FY 2018: 5.1%FY 2019: 6.2%FY 2020: 3.9%FY 2021: 2.6%FY 2022: 4.0%FY 2023: 3.7%FY 2024: 4.7%FY 2025: 2.1%
FY 2016 5y median 3.7% FY 2025
Payout Ratio 23.7%
FY 2016: 37.2%FY 2017: 40.3%FY 2018: 39.9%FY 2019: 57.9%FY 2020: -19.1%FY 2021: 16.2%FY 2022: 19.2%FY 2023: 20.4%FY 2024: 24.0%FY 2025: 23.7%
FY 2016 5y median 20.4% FY 2025

Annual · latest fiscal year ends 2025-12-31