/SAN
Banco Santander, S.A.
SAN • NYSESAN • NYSE • Financial Services
$11.57+4.90%+0.54
$11.57+4.90%(+0.54)Financial Services
GoAI Score
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Valuation
50Fair Value
Sentiment
0Bearish
Risk
83Low Risk
Momentum
61Positive
Institutional-Grade Intelligence
🏆PRO
Actionable Intelligence
AI-driven stance, execution logic & risk thresholds
Catalyst Roadmap
Event timeline with expected impact & market context
Deep Insights
Fact-checked analysis & score logic breakdown
Financial Statements
Margin Trends
Gross
40.0%▲0.6pp
Revenue after COGS
Operating
15.6%▲0.9pp
After operating expenses
Net
11.8%▲2.1pp
Bottom-line profitability
Gross Margin
Operating Margin
Net Margin
Valuation Snapshot
P/E Ratio
11.0
Price vs earnings
EV/EBITDA
20.0
Enterprise value
FCF Yield
N/A
Cash generation
Earnings Yield
9.1%
Inverse of P/E
Capital Efficiency
5
GoAI Quality ScoreWeak
ROEReturn on Equity
13.7%Fair
ROAReturn on Assets
0.8%Fair
ROICReturn on Invested Capital
0.7%Fair
Financial Health
Current RatioHealthy
2.57
Short-term solvency (>1.5)
Net Debt / EBITDAHigh
12.90x
Debt repayment capacity (<3x)
Income QualityWeak
0.00
Cash backs earnings (>1)
Revenue & Profitability
Revenue
Net Income
Net Loss
Income Statement
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Revenue | $119.89B | $129.91B | $121.87B | $87.03B | $61.50B |
| Gross Profit | $48.02B | $51.20B | $46.97B | $43.36B | $41.02B |
| Gross Margin | 40.0% | 39.4% | 38.5% | 49.8% | 66.7% |
| Operating Income | $18.68B | $19.03B | $16.46B | $15.25B | $14.55B |
| Net Income | $14.10B | $12.57B | $11.08B | $9.61B | $8.12B |
| Net Margin | 11.8% | 9.7% | 9.1% | 11.0% | 13.2% |
| EPS | $0.88 | $0.77 | $0.65 | $0.54 | $0.44 |
Average Price Target
$3.00▼ 74.1% Downside
Past 12 Months
12 Month Forecast
Based on 50 Wall Street analysts offering 12 month price targets for Banco Santander, S.A., the average price target is $3.00, with a high forecast of $3.00 and a low forecast of $3.00. The average price target represents a 74.1% decrease from the current price of $11.57.
Highest
$3.00
Average
$3.00
Lowest
$3.00
Rating Distribution
Strong Buy
0
0%
Buy
13
57%
Hold
7
30%
Sell
3
13%
Strong Sell
0
0%
Recent Analyst Ratings
FirmActionRatingDate
Barclays▲ Upgrade
Equal Weight→Overweight
2024-03-25UBS▼ Downgrade
Buy→Neutral
2022-08-09UBS▼ Downgrade
Buy→Neutral
2022-08-08Credit Suisse▲ Upgrade
Neutral→Outperform
2022-04-01Credit Suisse▲ Upgrade
Neutral→Outperform
2022-03-31Jefferies▲ Upgrade
Hold→Buy
2022-03-21Jefferies▲ Upgrade
Hold→Buy
2022-03-20Credit Suisse▼ Downgrade
Outperform→Neutral
2021-12-08Credit Suisse▼ Downgrade
Outperform→Neutral
2021-12-07Exane BNP Paribas▼ Downgrade
Outperform→Neutral
2021-09-20Earnings History & Surprises
BEAT RATE
47%
Last 17 quarters
AVG SURPRISE
+2.6%
EPS vs Estimate
BEATS / MISSES
8/5
4 met exactly
LATEST EPS
$0.21
Q1 '26
QUARTERLY EPS TREND
Estimated
Beat
Miss
QUARTERLY DETAIL
Q1 '26
-16.0%
$0.21 vs $0.25
Q4 '25
-8.0%
$0.23 vs $0.25
Q3 '25
-15.4%
$0.22 vs $0.26
Q2 '25
$0.22 vs $0.22
Q1 '25
+1.7%
$0.21 vs $0.21
Q4 '24
$0.22 vs $0.22
Q3 '24
$0.22 vs $0.22
Q2 '24
-5.5%
$0.18 vs $0.19
Q1 '24
-5.6%
$0.18 vs $0.19
Q4 '23
+6.2%
$0.18 vs $0.17
Q3 '23
+6.7%
$0.18 vs $0.17
Q2 '23
+4.6%
$0.16 vs $0.15
No investor questions available.
Latest News
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