Banco Santander, S.A. logo

Banco Santander, S.A.

SAN

NYSEFinancial ServicesBanks - Diversified

Latest quote

$14.65

+$0.38 · +2.67%

Aug 21, 3:55 PM ET

SAN company overview

Regular session · ET · Market data may be delayed.

GoAI snapshot

AI-powered factor overview

Jul 10, 2026

GoAI score

Buy

Favorable setup — positive multi-factor alignment

Valuation

81

Deep Value

Momentum

60

Neutral

Sentiment

48

Mixed

Risk resilience

75

Moderate Risk

Full GoAI research

Thesis, catalysts, evidence, and risk analysis.

View full GoAI research

AI-generated, informational only, and not investment advice.

Company profile

Company website

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.

Industry
Banks - Diversified
Sector
Financial Services
Headquarters
ES
CEO
Hector Blas Grisi Checa
Listed since
Jul 30, 1987
Employees
185,279

Market position

Volume
11.81M
1.09× average
Average volume
10.82M
Average daily volume
Market cap
214.16B USD
Beta
0.93
Market reference 1

Financials

Financial snapshot

Latest / TTM

Valuation & yield

Enterprise value
472.04B EUR
P/E (TTM)
11.32×
P/B (TTM)
1.69×
P/S (TTM)
2.72×
EV / EBITDA
21.59×
Earnings yield
9.12%
Free cash flow yield
-14.54%
Dividend yield
1.91%

Profitability & efficiency

Gross margin
72.30%
Operating margin
28.79%
Net margin
23.93%
Return on equity
13.67%
Return on assets
0.76%
Return on invested capital
1.78%

Financial health

Debt / equity
4.12×
Current ratio
0.25×

Earnings

EPS beat rate
18%
2 beats, 5 misses, 4 met estimates
Average EPS surprise
+0.29%
11 comparable reports
Latest EPS result
0.27
Estimate 0.29 · Miss by 6.90%

EPS: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly EPS actual values compared with estimates0.450.360.270.18Q1 '25BeatQ2 '25MetQ3 '25MissQ4 '25MissQ1 '26MetQ2 '26BeatQ3 '26MissQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 0.21, estimate 0.206, surprise +1.74%, Beat. Q2 2025, reported Apr 30, 2025: actual 0.22, estimate 0.22, surprise 0.00%, Met estimate. Q3 2025, reported Jul 30, 2025: actual 0.22, estimate 0.26, surprise -15.38%, Miss. Q4 2025, reported Oct 29, 2025: actual 0.23, estimate 0.25, surprise -8.00%, Miss. Q1 2026, reported Feb 4, 2026: actual 0.25, estimate 0.25, surprise 0.00%, Met estimate. Q2 2026, reported Apr 29, 2026: actual 0.414, estimate 0.29, surprise +42.90%, Beat. Q3 2026, reported Jul 22, 2026: actual 0.27, estimate 0.29, surprise -6.90%, Miss. Q4 2026, reported Oct 28, 2026: actual —, estimate 0.31, surprise —, Comparison unavailable.

Revenue: actual versus estimate

Recent quarterly results

ActualEstimate
Quarterly Revenue actual values compared with estimates19.77B17.49B15.22B12.94BQ1 '25BeatQ2 '25MissQ3 '25BeatQ4 '25MissQ1 '26BeatQ2 '26BeatQ3 '26BeatQ4 '26Estimate
Q1 2025, reported Feb 5, 2025: actual 16.37B USD, estimate 15.53B USD, surprise +5.45%, Beat. Q2 2025, reported Apr 30, 2025: actual 13.7B USD, estimate 15.68B USD, surprise -12.60%, Miss. Q3 2025, reported Jul 30, 2025: actual 16.88B USD, estimate 15.25B USD, surprise +10.64%, Beat. Q4 2025, reported Oct 29, 2025: actual 14.18B USD, estimate 15.89B USD, surprise -10.78%, Miss. Q1 2026, reported Feb 4, 2026: actual 19.01B USD, estimate 18.45B USD, surprise +3.04%, Beat. Q2 2026, reported Apr 29, 2026: actual 17.71B USD, estimate 17.66B USD, surprise +0.28%, Beat. Q3 2026, reported Jul 22, 2026: actual 17.92B USD, estimate 17.9B USD, surprise +0.14%, Beat. Q4 2026, reported Oct 28, 2026: actual —, estimate 18.38B USD, surprise —, Comparison unavailable.

Analyst ratings

Third-party consensus; not a GoAI recommendation.

Analyst price target

Average target

$3.00

79.44% downside
Past 12 months12-month forecastHigh $3.00Average $3.00Low $3.00

Rating distribution

25 ratings
Strong buy00%
Buy1664%
Hold624%
Sell312%
Strong sell00%

Recent analyst actions

4 institutions
Morgan StanleyupgradeEqual WeightOverweight
RBC Capital MktsupgradeSector PerformOutperform
KeplerupgradeHoldBuy
BarclaysupgradeEqual WeightOverweight

Corporate actions

Corporate action history

Stock split

Effective Nov 12, 2020

1,043:1,000

Stock split

Effective Jan 11, 2012

47:46

Stock split

Effective Jun 21, 1999

2:1

Stock split

Effective Aug 18, 1998

51:50

Stock split

Effective Jul 6, 1998

2:1

Stock split

Effective Jun 23, 1997

3:1

SAN peers

ETFs holding SAN

Funds reporting this stock among their holdings, ordered by reported position size.

Continue in GoAI

Research SAN

research.disclaimer