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Banco Santander, S.A. SAN

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12.07 USD +0.73 (+6.44%)

At closeNov 4, 2026, 6:00 PM EST

12.06 -0.01 -0.08%

After hours · Nov 4, 6:00 PM ET

11.96 Day range 12.17
10.05 52-week range 15.05
YTD
+2.90%
1 year
+20.58%

Financial health

Altman Z-Score

0.29 Distress zone

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

Piotroski F-Score

4 / 9 Average

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

FMP rating

C+2 / 5 overall

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

Valuation

P/E 11.3×
FY 2016: 12.1×FY 2017: 13.4×FY 2018: 8.7×FY 2019: 10.1×FY 2020: -4.6×FY 2021: 6.6×FY 2022: 5.1×FY 2023: 5.8×FY 2024: 5.7×FY 2025: 11.3×
FY 2016 5y median 5.8× FY 2025
P/S 1.3×
FY 2016: 1.0×FY 2017: 1.2×FY 2018: 0.9×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.5×FY 2025: 1.3×
FY 2016 5y median 0.5× FY 2025
P/B 1.5×
FY 2016: 0.8×FY 2017: 0.9×FY 2018: 0.7×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 -6.9×
FY 2016: 5.3×FY 2017: 2.7×FY 2018: -7.2×FY 2019: -5.6×FY 2020: 0.7×FY 2021: 1.1×FY 2022: 2.8×FY 2023: -7.0×FY 2024: -2.1×FY 2025: -6.9×
FY 2016 5y median -2.1× FY 2025
EV/EBITDA 21.6×
FY 2016: 17.1×FY 2017: 13.0×FY 2018: 11.8×FY 2019: 19.8×FY 2020: 262×FY 2021: 8.6×FY 2022: 11.7×FY 2023: 6.3×FY 2024: 15.0×FY 2025: 21.6×
FY 2016 5y median 11.7× FY 2025
EV/Sales 3.9×
FY 2016: 3.2×FY 2017: 2.7×FY 2018: 2.8×FY 2019: 4.2×FY 2020: 3.2×FY 2021: 2.4×FY 2022: 2.4×FY 2023: 1.0×FY 2024: 2.6×FY 2025: 3.9×
FY 2016 5y median 2.4× FY 2025
FCF Yield -14.5%
FY 2016: 18.7%FY 2017: 37.2%FY 2018: -13.9%FY 2019: -17.8%FY 2020: 133.4%FY 2021: 90.6%FY 2022: 36.3%FY 2023: -14.2%FY 2024: -47.8%FY 2025: -14.5%
FY 2016 5y median -14.2% FY 2025

Profitability

Gross Margin 40.0%
FY 2016: 51.8%FY 2017: 56.6%FY 2018: 58.4%FY 2019: 57.5%FY 2020: 56.8%FY 2021: 66.7%FY 2022: 49.8%FY 2023: 38.5%FY 2024: 39.4%FY 2025: 40.0%
FY 2016 5y median 40.0% FY 2025
Operating Margin 15.6%
FY 2016: 15.4%FY 2017: 16.9%FY 2018: 20.4%FY 2019: 17.3%FY 2020: -3.4%FY 2021: 23.7%FY 2022: 17.5%FY 2023: 13.5%FY 2024: 14.6%FY 2025: 15.6%
FY 2016 5y median 15.6% FY 2025
Net Margin 11.8%
FY 2016: 8.9%FY 2017: 9.3%FY 2018: 11.2%FY 2019: 9.0%FY 2020: -14.5%FY 2021: 13.2%FY 2022: 11.0%FY 2023: 9.1%FY 2024: 9.7%FY 2025: 11.8%
FY 2016 5y median 11.0% 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 1.8%
FY 2016: 0.5%FY 2017: 0.5%FY 2018: 0.6%FY 2019: 1.3%FY 2020: -0.3%FY 2021: 1.5%FY 2022: 1.6%FY 2023: 0.5%FY 2024: 0.7%FY 2025: 1.8%
FY 2016 5y median 1.5% 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 -7.7%
FY 2016: -2.7%FY 2017: 2.3%FY 2018: -2.4%FY 2019: 4.2%FY 2020: -16.6%FY 2021: 1.6%FY 2022: 41.5%FY 2023: 40.0%FY 2024: 6.6%FY 2025: -7.7%
FY 2016 FY 2025
Operating Income -1.8%
FY 2016: 12.8%FY 2017: 12.3%FY 2018: 17.5%FY 2019: -11.7%FY 2020: -116.6%FY 2021: 800.7%FY 2022: 4.8%FY 2023: 7.9%FY 2024: 15.6%FY 2025: -1.8%
FY 2016 FY 2025
EPS (diluted) 13.0%
FY 2016: 2.6%FY 2017: 0.0%FY 2018: 10.3%FY 2019: -18.6%FY 2020: -254.3%FY 2021: 181.5%FY 2022: 22.7%FY 2023: 20.4%FY 2024: 18.5%FY 2025: 13.0%
FY 2016 FY 2025
Free Cash Flow 31.1%
FY 2016: 478.9%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: -278.4%FY 2025: 31.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 5.4×FY 2017: 7.2×FY 2018: 0.9×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 5.9×FY 2024: 21.5×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2016: 5.4×FY 2017: 7.2×FY 2018: 0.9×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.3×FY 2023: 5.9×FY 2024: 21.5×FY 2025: 0.2×
FY 2016 5y median 0.3× FY 2025
Debt / Equity 4.8×
FY 2016: 2.5×FY 2017: 2.3×FY 2018: 2.6×FY 2019: 3.8×FY 2020: 4.0×FY 2021: 3.8×FY 2022: 4.8×FY 2023: 3.3×FY 2024: 4.9×FY 2025: 4.8×
FY 2016 5y median 4.8× FY 2025
Net Debt / EBITDA 14.5×
FY 2016: 11.6×FY 2017: 7.3×FY 2018: 8.0×FY 2019: 15.9×FY 2020: 203×FY 2021: 5.8×FY 2022: 9.1×FY 2023: 3.3×FY 2024: 11.9×FY 2025: 14.5×
FY 2016 5y median 9.1× FY 2025
Interest Coverage 0.3×
FY 2016: 0.4×FY 2017: 0.6×FY 2018: 0.7×FY 2019: 0.6×FY 2020: -0.2×FY 2021: 1.1×FY 2022: 0.5×FY 2023: 0.3×FY 2024: 0.3×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025

Dividends

Dividend Yield 2.2%
FY 2016: 3.2%FY 2017: 3.2%FY 2018: 4.9%FY 2019: 6.2%FY 2020: 3.8%FY 2021: 2.6%FY 2022: 4.0%FY 2023: 3.7%FY 2024: 4.4%FY 2025: 2.2%
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: -18.5%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