/SAN
SAN Stock - Banco Santander, S.A.
Financial Services|Banks - DiversifiedNYSE
$11.70+0.34%
+$0.04 (+0.34%) • Dec 19
51
GoAI Score
GoAI Score
Weighted average: Momentum (25%) + Sentiment (35%) + Risk (20%) + Value (20%). ≥70 = BUY, ≤35 = SELL.HOLD
Medium Confidence
Momentum
Momentum Score
Based on price vs 50-day MA (40%), 200-day MA (40%), and MA crossover (20%). Higher = stronger uptrend.98
Sentiment
Sentiment Score
Based on analyst price target upside. 50 = neutral, 100 = very bullish (25%+ upside expected).0
Risk Score
Risk Score
Based on stock beta (volatility). Higher score = lower risk. Red (<40) = high volatility, Green (>60) = stable.82
Price Target
Price Target
Average analyst price target from the last quarter. Shows expected upside/downside from current price.+-74.4%upside
Target: $3.00
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ENTRY ZONE$11.58 – $11.82
TARGET (TP)$3.00
STOP LOSS$10.76
RISK/REWARD1:-9.3
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Price Chart
Financial Statements
Revenue & Profitability Trend
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Revenue
Net Income (Profit)
Net Loss
Key Metrics
Market CapN/A
P/E RatioN/A
Beta0.96
52W High$11.78
52W Low$4.43
Avg VolumeN/A
Income Statement (Fiscal Year)
| Metric | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|
| Revenue | $129.91B | $121.87B | $87.03B | $61.50B | $60.50B |
| Gross Profit | $51.20B | $46.97B | $43.36B | $41.02B | $34.39B |
| Gross Margin | 39.4% | 38.5% | 49.8% | 66.7% | 56.8% |
| Operating Income | $19.03B | $16.46B | $15.25B | $14.55B | $-2,076,000,000 |
| Net Income | $12.57B | $11.08B | $9.61B | $8.12B | $-8,771,000,000 |
| Net Margin | 9.7% | 9.1% | 11.0% | 13.2% | -14.5% |
| EPS | $0.77 | $0.65 | $0.54 | $0.44 | $-0.54 |
Company Overview
Banco Santander, S.A. provides various retail and commercial banking products and services to individuals, small and medium-sized enterprises, and large companies worldwide. It offers demand and time deposits, and current and savings accounts; mortgages, consumer finance, syndicated corporate loans, structured financing, cash management, export and agency finance, trade and working capital solutions, and corporate finance; and insurance products. The company also provides cash, asset, and wealth management; and private banking services. In addition, it is involved in the corporate banking; treasury, risk hedging, foreign trade, confirming, custody, and investment banking activities. The company operates through a network of 9,879 branches. The company was formerly known as Banco Santander Central Hispano S.A. and changed its name to Banco Santander, S.A. in June 2007. Banco Santander, S.A. was founded in 1856 and is headquartered in Madrid, Spain.
Visit WebsiteRating Distribution
Strong Buy
0%
Buy / Outperform
3
60%
Hold / Neutral
2
40%
Sell / Underperform
0%
Analyst Consensus🟡 Mixed
3 Bullish2 Neutral/Bearish
Price Targets
No price targets available
Recent Analyst Actions
| Date | Firm | Action | Rating | Price Target |
|---|---|---|---|---|
| June 4th 2025 | Citigroup | Resumed | Buy | - |
| November 26th 2024 | Morgan Stanley | Upgrade | Overweight | - |
| March 25th 2024 | Barclays | Upgrade | Overweight | - |
| July 18th 2023 | Barclays | Initiation | Equal Weight | - |
| May 1st 2023 | HSBC Securities | Downgrade | Hold | - |
| March 22nd 2023 | Exane BNP Paribas | Upgrade | Outperform | - |
| September 27th 2022 | Citigroup | Upgrade | Buy | - |
Earnings History & Surprises
SANBeat Rate
50%
Last 16 quarters
Avg Surprise
+3.7%
EPS vs Estimate
Beats / Misses
8/4
4 met exactly
Latest EPS
$0.23
Q4 2025
EPS Surprise History
Q1 24
-5.6%
$0.18vs$0.19
Q2 24
-5.5%
$0.18vs$0.19
Q3 24
0.0%
$0.22vs$0.22
Q4 24
0.0%
$0.22vs$0.22
Q1 25
+1.7%
$0.21vs$0.21
Q2 25
0.0%
$0.22vs$0.22
Q3 25
-15.4%
$0.22vs$0.26
Q4 25
-8.0%
$0.23vs$0.25
Beat Estimate
Missed Estimate
Quarterly EPS Details
| Period | Report Date | Estimated EPS | Actual EPS | Surprise | Result |
|---|---|---|---|---|---|
Q4 2026 | Oct 28, 2026 | — | — | — | — |
Q3 2026 | Jul 29, 2026 | — | — | — | — |
Q2 2026 | Apr 29, 2026 | — | — | — | — |
Q1 2026 | Feb 4, 2026 | $0.25 | — | — | — |
Q4 2025 | Oct 29, 2025 | $0.25 | $0.23 | -8.0% | ✗ MISS |
Q3 2025 | Jul 30, 2025 | $0.26 | $0.22 | -15.4% | ✗ MISS |
Q2 2025 | Apr 30, 2025 | $0.22 | $0.22 | 0.0% | = MET |
Q1 2025 | Feb 5, 2025 | $0.21 | $0.21 | +1.7% | ✓ BEAT |
Q4 2024 | Oct 29, 2024 | $0.22 | $0.22 | 0.0% | = MET |
Q3 2024 | Jul 24, 2024 | $0.22 | $0.22 | 0.0% | = MET |
Q2 2024 | Apr 30, 2024 | $0.19 | $0.18 | -5.5% | ✗ MISS |
Q1 2024 | Jan 31, 2024 | $0.19 | $0.18 | -5.6% | ✗ MISS |
Q4 2023 | Oct 25, 2023 | $0.17 | $0.18 | +6.2% | ✓ BEAT |
Q3 2023 | Jul 26, 2023 | $0.17 | $0.18 | +6.7% | ✓ BEAT |
Q2 2023 | Apr 25, 2023 | $0.15 | $0.16 | +4.6% | ✓ BEAT |
Q1 2023 | Feb 2, 2023 | $0.13 | $0.14 | +7.7% | ✓ BEAT |
Q4 2022 | Oct 26, 2022 | $0.12 | $0.14 | +16.7% | ✓ BEAT |
Q3 2022 | Jul 28, 2022 | $0.14 | $0.14 | 0.0% | = MET |
Q2 2022 | Apr 26, 2022 | $0.14 | $0.16 | +14.3% | ✓ BEAT |
Q1 2022 | Feb 2, 2022 | $0.10 | $0.14 | +36.6% | ✓ BEAT |
Latest News
Reported Earlier: 'Italy's doValue renews new bad loan management contract with Santander' - Reuters
📈 PositiveBenzinga•Dec 3, 2025, 01:19 PM
Reported Earlier: 'Santander sells 3.5% stake in its Polish unit for around $473 million' - Reuters
➖ NeutralBenzinga•Dec 2, 2025, 12:44 PM
'Santander Exposure To First Brands Rises To Around $300M; A Loan Default Involving French Auto Parts Maker Novares Adds To Debts Owed To The Spanish Bank' - WSJ Excluisve
📉 NegativeBenzinga•Nov 19, 2025, 02:12 PM
'Santander Hires Citi, Goldman to Sell Down 13% Polish Stake' - Bloomberg
➖ NeutralBenzinga•Nov 10, 2025, 03:38 PM
Banco Santander Affirms FY2025 Sales Guidance of $70.296B
➖ NeutralBenzinga•Oct 29, 2025, 10:20 AM
Banco Santander Q3 EPS $0.26 Beats $0.25 Estimate, Sales $16.749B Miss $17.650B Estimate
➖ NeutralBenzinga•Oct 29, 2025, 09:59 AM
Genworth Issues Statement On UK Court Approval Of Santander Appeal Request; Any Potential Litigation Recoveries Have Not Been Factored Into Genworth's Capital Allocation Plans; Case Will Now Proceed To Determination By Court Of Appeal Which Is Expected To Take About 12 To 18 Months; Any Proceeds Received Will Be Deployed In Line With Genworth's Capital Allocation Priorities; Co Is Entitled To Share Of Any Funds Claimants Recover From Third Parties In Relation To PPI-Related Losses
➖ NeutralBenzinga•Oct 22, 2025, 01:37 PM
'Santander Sweetens Pricing on $1.5 Billion Verint Buyout Loan' - Bloomberg
➖ NeutralBenzinga•Oct 21, 2025, 07:57 PM•Also:
'Santander Eyes Dollar SRTs Tied to Buyout Debt, Corporate Loans'- Bloomberg
➖ NeutralBenzinga•Oct 16, 2025, 03:44 PM
'Santander Plays Key Role as US Buys Argentine Peso to Back Milei'- Bloomberg
📈 PositiveBenzinga•Oct 10, 2025, 02:14 PM
Group Of Leading International Banks Exploring Issuing A Stablecoin; Group Of Banks Includes Banco Santander, Bank Of America, Barclays, BNP Paribas, Citi, Deutsche Bank, Goldman Sachs, MUFG Bank, TD Bank; The Banks Will Explore Whether A 1:1 Reserve-backed Form Of Digital Money Can "Bring The Benefits Of Digital Assets And Enhance Competition"
📈 PositiveBenzinga•Oct 10, 2025, 01:51 PM•Also: , ,
Banco Santander UK CEO Mike Regnier To Step Down In Q1 2026
➖ NeutralBenzinga•Oct 3, 2025, 11:44 AM
'Santander Plans Fund to Tap Into Significant Risk Transfer Boom' -Bloomberg
📈 PositiveBenzinga•Oct 2, 2025, 11:41 AM
'Santander Aims To Shed €40B Of Credit Risk In 2026' -Bloomberg
➖ NeutralBenzinga•Sep 25, 2025, 12:56 PM
'BofA Said to Buy €100 Million of Santander's Real Estate Loans' -Bloomberg
📈 PositiveBenzinga•Sep 18, 2025, 03:35 PM
Santander to acquire UK-based TSB from Sabadell in £2.65B cash deal
📈 PositiveSeeking Alpha•Jul 1, 2025, 06:23 PM•Also:
Frequently Asked Questions about SAN
What is SAN's current stock price?
Banco Santander, S.A. (SAN) is currently trading at $11.70 per share. The stock has moved +0.34% today.
What is the analyst price target for SAN?
The average analyst price target for SAN is $3.00, based on 1 analyst.
What sector is Banco Santander, S.A. in?
Banco Santander, S.A. operates in the Financial Services sector, specifically within the Banks - Diversified industry. The company is traded on the NYSE exchange.
What is SAN's market cap?
Banco Santander, S.A. has a market capitalization of $173.98 billion, making it a large-cap company.
Does SAN pay dividends?
No, Banco Santander, S.A. does not currently pay a dividend to shareholders.
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