Banco Santander Financials

SAN Stock  USD 6.89  0.21  2.96%   
Based on the analysis of Banco Santander's profitability, liquidity, and operating efficiency, Banco Santander SA may be sliding down financialy. It has an above-average probability of going through some form of financial hardship next quarter. At this time, Banco Santander's Cash And Short Term Investments are very stable compared to the past year. As of the 21st of March 2025, Non Current Liabilities Total is likely to grow to about 2 T, while Common Stock Shares Outstanding is likely to drop about 8.8 B. Key indicators impacting Banco Santander's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Debt Equity Ratio3.23.3014
Sufficiently Down
Very volatile
Current Ratio0.60.63
Notably Down
Pretty Stable
The essential information of the day-to-day investment outlook for Banco Santander includes many different criteria found on its balance sheet. An individual investor should monitor Banco Santander's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Banco Santander.

Net Income

13.2 Billion

  

Banco Santander Stock Summary

Banco Santander competes with Barclays PLC, ING Group, HSBC Holdings, Natwest Group, and UBS Group. Banco Santander, S.A. provides various retail and commercial banking products and services to individuals, small and medium-sized enterprises, and large companies worldwide. Banco Santander, S.A. was founded in 1856 and is headquartered in Madrid, Spain. Banco Santander operates under BanksDiversified classification in the United States and is traded on New York Stock Exchange. It employs 177033 people.
Foreign Associates
Specialization
Financial Services, Banks - Diversified
InstrumentUSA Stock View All
ExchangeNew York Stock Exchange
ISINUS05964H1059
CUSIP05964H105 059574202
LocationSpain
Business AddressSantander Group City,
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.santander.com
Phone34 912 596520
CurrencyUSD - US Dollar

Banco Santander Key Financial Ratios

Banco Santander Key Balance Sheet Accounts

202020212022202320242025 (projected)
Total Assets1.5T1.6T1.7T1.8T1.8T941.3B
Other Current Liab(24.0B)(29.0B)(46.8B)(53.9B)(3.3B)(3.5B)
Net Debt62.2B14.2B35.7B64.1B20.5B19.5B
Retained Earnings56.8B68.4B76.3B76.4B94.9B99.6B
Accounts Payable2.0B2.4B3.0B3.3B3.0B2.8B
Cash173.0B234.8B247.2B246.9B305.0B320.2B
Other Assets970.7B1.0T1.1T(642.1B)1.8T1.9T
Net Receivables5.3B5.8B9.2B10.6B11.4B5.8B
Total Liab1.4T1.5T1.6T1.7T1.7T1.8T
Total Current Assets290.0B340.9B400.0B590.7B383.7B402.9B
Short Term Debt22.0B26.6B43.7B46.8B42.1B43.0B
Other Liab45.6B41B57.4B44.6B40.1B38.1B
Long Term Debt235.3B246.2B280.3B308.6B325.5B261.0B
Good Will12.5B12.7B13.7B14.0B13.4B20.4B
Intangible Assets3.4B3.9B4.9B5.9B5.8B4.0B
Other Current Assets281.1B319.3B357.2B370.4B(11.4B)(10.9B)
Inventory(281.1B)(319.3B)(357.2B)(232.6B)(209.3B)(198.9B)
Treasury Stock(59M)(31M)(69M)(894M)(804.6M)(764.4M)
Short Long Term Debt22.0B25.9B43.0B46.2B41.6B39.5B
Net Tangible Assets72.4B65.6B70.3B70.5B81.0B75.8B
Long Term Debt Total262.0B235.3B246.2B280.3B322.4B267.2B

Banco Santander Key Income Statement Accounts

202020212022202320242025 (projected)
Operating Income(3.1B)13.0B46.9B19.9B22.9B21.6B
Ebit(3.1B)14.1B46.9B15.4B17.7B21.9B
Ebitda(329M)16.9B49.9B18.5B21.3B23.1B
Net Income(7.7B)8.1B9.6B11.1B12.6B13.2B
Income Tax Expense5.6B4.9B4.5B4.3B5.3B5.5B
Interest Expense13.7B13.1B32.8B62.0B66.1B69.4B
Total Revenue46.8B48.4B54.2B44.8B63.5B34.5B
Gross Profit46.8B48.4B54.2B59.6B63.5B35.0B
Income Before Tax(2.1B)14.5B15.3B16.5B19.0B20.0B
Minority Interest9.8B(1.5B)(1.2B)(1.1B)(1.2B)(1.1B)
Tax Provision5.6B4.9B4.5B4.3B5.3B4.8B
Net Interest Income32.0B33.4B38.6B43.3B46.7B39.8B
Interest Income45.7B46.5B71.4B105.3B112.7B72.7B

Banco Santander Key Cash Accounts

202020212022202320242025 (projected)
Change In Cash52.8B56.9B12.4B(2.7B)(3.1B)(3.0B)
Free Cash Flow57.6B45.3B16.9B(8.6B)(9.9B)(9.4B)
Other Non Cash Items32.1B14.6B15.5B19.7B22.6B11.5B
Capital Expenditures12.2B14.1B8.5B11.4B10.8B13.6B
Net Income(7.7B)9.7B10.8B11.1B12.6B13.2B
End Period Cash Flow153.8B210.7B223.1B220.3B253.4B266.1B
Depreciation2.8B2.8B3.0B3.2B3.7B1.9B
Dividends Paid4.1B1.3B1.8B2.3B2.6B2.3B
Investments(7.2B)546M(3.9B)(5.4B)(4.8B)(4.6B)
Net Borrowings(4.0B)315M2.7B(2.2B)(2.0B)(1.9B)
Change To Netincome20.0B33.1B16.1B16.6B15.0B16.4B

Banco Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Banco Santander's current stock value. Our valuation model uses many indicators to compare Banco Santander value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Banco Santander competition to find correlations between indicators driving Banco Santander's intrinsic value. More Info.
Banco Santander SA is rated second in return on equity category among its peers. It also is rated second in return on asset category among its peers reporting about  0.06  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Banco Santander SA is roughly  17.09 . At this time, Banco Santander's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Banco Santander's earnings, one of the primary drivers of an investment's value.

Banco Santander SA Systematic Risk

Banco Santander's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Banco Santander volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty with a total number of output elements of fourty-one. The Beta measures systematic risk based on how returns on Banco Santander SA correlated with the market. If Beta is less than 0 Banco Santander generally moves in the opposite direction as compared to the market. If Banco Santander Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Banco Santander SA is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Banco Santander is generally in the same direction as the market. If Beta > 1 Banco Santander moves generally in the same direction as, but more than the movement of the benchmark.

Banco Santander Thematic Clasifications

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Today, most investors in Banco Santander Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Banco Santander's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Banco Santander growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.33

At this time, Banco Santander's Price Earnings To Growth Ratio is very stable compared to the past year.

Banco Santander March 21, 2025 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Banco Santander help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Banco Santander SA. We use our internally-developed statistical techniques to arrive at the intrinsic value of Banco Santander SA based on widely used predictive technical indicators. In general, we focus on analyzing Banco Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Banco Santander's daily price indicators and compare them against related drivers.
When determining whether Banco Santander SA offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Banco Santander's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Banco Santander Sa Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Banco Santander Sa Stock:
Check out World Market Map to better understand how to build diversified portfolios, which includes a position in Banco Santander SA. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in nation.
You can also try the Portfolio Backtesting module to avoid under-diversification and over-optimization by backtesting your portfolios.
Is Diversified Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Banco Santander. If investors know Banco will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Banco Santander listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.166
Dividend Share
0.21
Earnings Share
0.84
Revenue Per Share
3.278
Quarterly Revenue Growth
0.164
The market value of Banco Santander SA is measured differently than its book value, which is the value of Banco that is recorded on the company's balance sheet. Investors also form their own opinion of Banco Santander's value that differs from its market value or its book value, called intrinsic value, which is Banco Santander's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Banco Santander's market value can be influenced by many factors that don't directly affect Banco Santander's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Banco Santander's value and its price as these two are different measures arrived at by different means. Investors typically determine if Banco Santander is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Banco Santander's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.