Price
No data yet.
Social Signal Score
Analyst Ratings
25 analystsRevenue
$33.48B+89.42%Analyst Estimates
Consensus estimates, not results. Via Financial Modeling Prep.
Company Profile
- CEO
- Hector Blas Grisi Checa
- Sector
- Financial Services
- Industry
- Banks - Diversified
- Employees
- 185,279
- Beta
- 0.93
- Country
- ES
- Piotroski score
- 4 / 9 (Middling)
- Altman Z-score
- 0.30
Financials
Revenue
$33.48B+89.4%Net Income
$3.58B+111.0%EBITDA
$4.85B+38.6%Free Cash Flow
—EPS (diluted)
$0.24+118.2%Shares Outstanding (diluted)
14.68B-10.2%Operating Expenses
$3.62BCash & Debt
$137.95BReturn of Capital
$0.00Dividend per Share
$0.17Quote
Valuation & Ratios
Returns & Efficiency
Revenue & Net Income (Annual)
| Fiscal Year | Revenue | Net Income | EPS |
|---|---|---|---|
| 2025 | $119.89B | $14.10B | $0.88 |
| 2024 | $129.91B | $12.57B | $0.77 |
| 2023 | $121.87B | $11.08B | $0.65 |
| 2022 | $87.03B | $9.61B | $0.54 |
| 2021 | $61.50B | $8.12B | $0.44 |
| 2020 | $60.50B | $-8.77B | $-0.54 |
| 2019 | $72.56B | $6.51B | $0.35 |
| 2018 | $69.67B | $7.81B | $0.43 |
| 2017 | $71.34B | $6.62B | $0.39 |
| 2016 | $69.76B | $6.20B | $0.39 |
| 2015 | $71.68B | $5.97B | $0.38 |
| 2014 | $69.27B | $5.82B | $0.46 |
| 2013 | $66.03B | $4.17B | $0.37 |
| 2012 | $74.00B | $2.28B | $0.22 |
Valuation
Project earnings forward and see what return today's price implies.
Seeded from SAN's reported EPS growth of 11.3% a year over 13 years.
- EPS in 5 years
- $1.55
- Implied price
- $17.10
- Return from $13.90
- 4.2% a year
To earn 15.0% a year on these assumptions you'd need to buy at $8.50 — -38.8% below today's price.
How sensitive is that answer?
Annual return across nearby assumptions. If the result is only attractive in one corner, that is the finding.
| growth \ P/E | 7 | 9 | 11 | 13 | 15 |
|---|---|---|---|---|---|
| 1.3% | -13.3% | -8.9% | -5.1% | -1.9% | 0.9% |
| 6.3% | -9.1% | -4.4% | -0.5% | 2.9% | 5.9% |
| 11.3% | -4.8% | 0.1% | 4.2% | 7.8% | 10.9% |
| 16.3% | -0.5% | 4.6% | 8.9% | 12.6% | 15.9% |
| 21.3% | 3.8% | 9.1% | 13.6% | 17.5% | 20.9% |
This is arithmetic on assumptions you chose, not a forecast or a recommendation. It ignores dividends, buybacks, share issuance and debt, and it assumes a company still earning money in 5 years. Change any input and the answer changes a lot — that sensitivity is the honest result, not a flaw in the model.
Signal Score (90d)
120+9.09%Social Signal Score
Mentions (3)
- Newsseekingalpha.com·22d ago·Positive
Banco Santander: A High-ROTE Behemoth Hidden In Plain Sight Banco Santander (SAN) continues its transformation, focusing on technological integration, efficiency, and mitigating disruption risks, including stablecoin initiatives. Despite a 34% total return since the last analysis, SAN's long-term thesis remains intact, supported by record profits, growing NII, and expanding customer base. Operational improvements, M&A activity, and the ONE transformation drive efficiency gains, with potential fo…
View source ↗ - Newszacks.com·45d ago·Positive
SAN Completes Webster Buyout: A Bold Push for Scale & Diversification The completion of Banco Santander S.A.'s SAN acquisition of Webster Financial marks the creation of a larger and more diversified U.S. banking franchise.
View source ↗ - Newsbusinesswire.com·47d ago·Positive
Santander Expands U.S. Presence with Completion of Webster Acquisition BOSTON--(BUSINESS WIRE)--Santander Holdings USA, Inc. (“Santander US”), the intermediate holding company for Banco Santander, S.A. (“Santander”) in the United States, today announced that, through a series of transactions, it has completed the acquisition of Webster Financial Corporation (“Webster”), the holding company for Webster Bank, N.A. (“Webster Bank”). Building on Santander's decades-long commitment to the United Stat
View source ↗
Earnings
Wed, Oct 28(in 3 weeks)
Consensus estimate $0.31 per share
Typical surprise +0.0% (median, so one quarter with a near-zero estimate can't distort it)
- Wed, Jul 22$0.27 vs $0.29miss
- Wed, Apr 29$0.41 vs $0.29beat
- Wed, Feb 4$0.25 vs $0.25beat
- Wed, Oct 29$0.23 vs $0.25miss
- Wed, Jul 30$0.22 vs $0.26miss
- Wed, Apr 30$0.22 vs $0.22beat
Estimates and results for SAN via Financial Modeling Prep. Beating consensus says the company cleared the bar analysts set, not that the business grew.
Insider trading
Open-market buys and sells by SAN officers and directors.
- Bought
- $30k
- Sold
- —
8 trades
0 trades
- Nordstrom Michael N.bought
- Nordstrom Michael N.bought
- Nordstrom Michael N.bought
- Nordstrom Michael N.bought
- Nordstrom Michael N.bought
- Nordstrom Michael N.bought
- Nordstrom Michael N.bought
- Nordstrom Michael N.bought
Buying is the stronger signal: an insider spends their own money for one reason. Selling has many innocent explanations — tax, diversifying, a house — so it says far less than it appears to. Via SEC filings.
Congress trades
- Alan Armstrongsenate · disclosed Jul 21, 2026 (112d later)Buy$1,001 - $15,000
- Alan Armstrongsenate · disclosed Jul 21, 2026 (113d later)Buy$15,001 - $50,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Jul 3, 2026 (24d later)Buy$1,001 - $15,000
- Gilbert Ray Cisneroshouse · CA31 · disclosed Feb 13, 2026 (10d later)Buy$1,001 - $15,000
- Daniel Goldmanhouse · NY10 · disclosed Aug 13, 2023 (34d later)Sell$50,001 - $100,000
- Daniel Goldmanhouse · NY10 · disclosed Apr 17, 2023 (17d later)Buy$1,001 - $15,000
- Greg Gianfortehouse · MT00 · disclosed Dec 2, 2020 (19d later)Sell$15,001 - $50,000
- Greg Gianfortehouse · MT00 · disclosed Dec 31, 2019 (21d later)Sell$1,001 - $15,000
- Van Taylorhouse · TX03 · disclosed Apr 15, 2019 (21d later)Sell$1,001 - $15,000
- Van Taylorhouse · TX03 · disclosed Mar 14, 2019 (15d later)Buy$1,001 - $15,000
- Greg Gianfortehouse · MT00 · disclosed Dec 11, 2018 (22d later)Sell$1,001 - $15,000
- Peter Welchhouse · VT00 · disclosed May 30, 2018 (7d later)Sell$15,001 - $50,000
Self-reported filings, amounts as brackets. Via Senate/House disclosures.