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SAN
Banco Santander, S.A.
$11.34
-0.12
(-1.05%)
| Exchange: | NYSE |
| Market Cap: | 166.359B |
| Shares Outstanding: | 2.043B |
Delayed data
About The Company
| Sector: | Financial ServicesView sector performance | |||||
| Industry: | Banks – DiversifiedView industry performance | |||||
| CEO: | Hector Blas Grisi Checa | |||||
| Full Time Employees: | 186151 | |||||
| Address: |
| |||||
| Website: | https://www.santander.com |
Banco Santander, S.A. operates as a global financial institution, delivering a comprehensive suite of retail and commercial banking products and services. It caters to a diverse clientele, including individual consumers, small and medium-sized enterprises (SMEs), and major corporations across the world. The bank’s extensive offerings encompass various deposit options, such as checking, savings, and fixed-term accounts. Its lending solutions span mortgages, consumer finance, syndicated corporate loans, and structured financing. Additionally, Santander provides critical business services like cash management, export and agency finance, trade and working capital solutions, and corporate finance, alongside a range of insurance products. The institution further specializes in cash, asset, and wealth management, as well as private banking services. Its operations also extend to corporate banking, treasury functions, risk hedging, foreign trade services, confirming, custody, and investment banking. These services are facilitated by its expansive network of 9,879 branches. Established in 1856 and based in Madrid, Spain, the company adopted its current name, Banco Santander, S.A., in June 2007, having previously been known as Banco Santander Central Hispano S.A.
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Revenue Segmentation
SAN full analysis
Hey everyone, welcome back to the channel! Today, we’re diving deep into a comprehensive analysis of Banco Santander, ticker symbol SAN, one of the biggest players in the global banking space. If you’re looking to understand whether this stock deserves a spot in your portfolio, stick around because we’re breaking down everything from financials to recent news and long-term potential. Let’s get started! First off, let’s set the stage. Banco Santander is a heavyweight in the financial services sector, and…
EPS
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Earnings Call
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Key takeaways
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Login — it's freeIncome Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Revenue | 121,869,000 | 129,909,000 | 119,894,000 |
| Gross Profit | 46,966,000 | 51,198,000 | 48,015,000 |
| EBITDA | 19,643,000 | 22,321,000 | 21,859,000 |
| Operating Income | 16,459,000 | 19,027,000 | 18,681,000 |
| Net Income | 11,076,000 | 12,574,000 | 14,101,000 |
(* All numbers are in thousands)
Balance Sheet
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Total Assets | 1,797,062,000 | 1,837,081,000 | 1,866,720,176 |
| Total Liabilities | 1,692,821,000 | 1,729,754,000 | 1,754,020,162 |
| Total Stockholders Equity | 95,423,000 | 98,601,000 | 103,126,090 |
| Total Debt | 310,979,000 | 483,376,000 | 461,380,551 |
| Cash and Cash Equivalents | 246,895,000 | 217,892,000 | 0 |
(* All numbers are in thousands)
Cash Flow Statement
| Year | 2023 | 2024 | 2025 |
|---|---|---|---|
| Operating Cash Flow | 5,015,000 | -24,155,000 | 0 |
| Capital Expenditure | -13,643,000 | -8,494,000 | 0 |
| Free Cash Flow | -8,628,000 | -32,649,000 | 0 |
| Net Income | 11,076,000 | 12,574,000 | 14,101,000 |
| Net Change in Cash | -2,731,000 | -28,134,000 | -192,208,000 |
(* All numbers are in thousands)
Analyst Estimates
| Fiscal Year | 2030 | Research Access | Research Access | Research Access | Research Access |
|---|---|---|---|---|---|
| Estimated Revenue (Low) | 78,683,589.028 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (High) | 83,082,701.486 | Research Access | Research Access | Research Access | Research Access |
| Estimated Revenue (Avg) | 81,409,618.659 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Low) | 51,759,736.089 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (High) | 55,076,978.175 | Research Access | Research Access | Research Access | Research Access |
| Estimated Ebitda (Avg) | 53,815,454.097 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Low) | 29,601,633.236 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (High) | 31,775,706 | Research Access | Research Access | Research Access | Research Access |
| Estimated Net Income (Avg) | 30,948,921.259 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Low) | 16,625,165.253 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (High) | 17,554,659.859 | Research Access | Research Access | Research Access | Research Access |
| Estimated SGA Expense (Avg) | 17,201,151.855 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Avg) | 1.940 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (High) | 2 | Research Access | Research Access | Research Access | Research Access |
| Estimated EPS (Low) | 1.860 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated Revenue) | 14 | Research Access | Research Access | Research Access | Research Access |
| Number of Analysts (Estimated EPS) | 5 | Research Access | Research Access | Research Access | Research Access |
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Current Key Metrics
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Login — it's freeSWOT Analysis
Strengths (preview)
- Record Financial Performance: Santander reported a record profit of €3.4 billion in Q1 2025, as highlighted in the earnings call transcript, reflecting strong operational efficiency and revenue growth. This performance underscores the company’s ability to deliver consistent results amidst a competitive banking landscape.
- Diversified Business Model: The earnings call emphasized Santander’s diversified operations across multiple regions and product segments, which mitigates risk and supports stable revenue streams. This is further evidenced by revenue contributions from various geographic segments as per the Revenue Geo Segments data.
- Positive Return Metrics: Key metrics such as roeTTM and roicTTM indicate robust returns on equity and invested capital, positioning Santander favorably against industry peers within the banking sector (Industry and Sector data).
- Strong Liquidity Position: Balance Sheet data shows significant cash and cash equivalents alongside a healthy currentRatioTTM, indicating strong liquidity to manage short-term obligations and fund strategic initiatives.
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At what price to buy it? -
Intrinsic Value Calculator
Based on current fundamentals and analyst forecasts, MarketSnap estimates SAN intrinsic value between $5.84 – $12.85 per share. This depends on revenue growth, margins, and discount rate.
This is an automatic estimate. The most reliable way to know fair value for your own assumptions is to run the calculator below.
Common questions about SAN valuation
Is Banco Santander, S.A. (SAN) overvalued or undervalued right now?
MarketSnap estimates intrinsic value for Banco Santander, S.A. (SAN) using its proprietary valuation methodology, which incorporates discounted cash flow (DCF) analysis together with long-term earnings and fundamentals assumptions. By comparing intrinsic value to the current market price, long-term investors can see whether the stock screens as potentially overvalued, fairly valued, or undervalued today.
Is SAN a buy, hold, or sell for long-term investors?
MarketSnap does not give one-word “buy” or “sell” calls. Instead, it shows whether SAN trades at a premium or discount to its estimated intrinsic value, how sensitive that value is to growth and margin assumptions, and how the stock fits into a diversified, long-term portfolio so investors can make their own buy, hold, or sell decision.
What is SAN’s P/E ratio?
You can see SAN’s trailing P/E (TTM) and forward P/E estimates in the Current Key Metrics and Forward P/E Ratios sections above. The P/E ratio compares the current share price to earnings per share and helps investors gauge valuation relative to earnings.
How is intrinsic value calculated for SAN?
MarketSnap uses its own valuation framework—not a generic spreadsheet DCF alone. Future cash flows and earnings are projected, discounted, and combined with MarketSnap’s methodology so intrinsic value reflects fundamentals and long-term assumptions. You can run your own inputs and see the result using the Intrinsic Value Calculator above.
Is SAN a good long-term investment?
Whether SAN fits a long-term portfolio depends on your assumptions about growth, margins, and risk. MarketSnap provides the metrics, intrinsic value calculator, and SWOT context so you can form your own view rather than rely on a single buy/sell rating.
SAN
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Daily snapshot
-1.05
Trading Metrics:
| Open: | 11.36 | Previous Close: | 11.46 | |
| Day Low: | 11.31 | Day High: | 11.6 | |
| Year Low: | 9.96 | Year High: | 15.05 | |
| Price Avg 50: | 13.83 | Price Avg 200: | 12.94 | |
| Volume: | 6.719M | Average Volume: | 11.297M |
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