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13.28 USD
P/E
13.69
EPS
0.97
Yield
1.91%
Safety Score
92
P/B
1.51
ROE
13.11
Beta
0.93
Target Price
14.79 USD
Banco Santander, S.A. logo

Banco Santander, S.A.

🧾 Earnings Recap – Q3 2025

Santander achieved a record quarterly profit of EUR 3.5 billion in Q3 2025, reflecting robust revenue growth and a strategic focus on efficiency amid a challenging environment.

  • Strong revenue growth of 4% in constant euros, driven by net interest income and a record 8% increase in fees.
  • Return on Tangible Equity (RoTE) improved by 70 basis points to 16.1%, on track to reach a post-AT1 target of around 16.5%.
  • Total customer base grew to 178 million, up 7 million year-on-year, enhancing overall customer engagement and experience.
  • Continued focus on digitalization and operational efficiency, with significant reductions in costs and a 17% decrease in non-commercial team activities.
  • Shareholder value creation through an accelerated EUR 10 billion share buyback program planned for 2025-2026, subject to regulatory approvals.
📅
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Key Metrics
Earnings dateOct. 28, 2026
P/E13.69
EPS0.97
Book Value8.82
Price to Book1.51
% Insiders0.003%
Growth
Revenue Growth0.10%
Earnings Growth0.09%
Estimates
Forward P/E9.28
Forward EPS1.43
Target Mean Price14.79
Dividend
Dividend Yield1.91%
Annual dividends0.24 USD
Ex-Div. DateMay 4, 2026
Payout31.65%
5y avg Yield5.29%

DCF Valuation

Tweak assumptions to recompute fair value for Banco Santander, S.A. (SAN)
Currency: USD
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DCF Result

Fair Value (DCF)
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Note: historical bars show reported FCF (for context); forward bars show PV of projected FCF; if no per-year data, totals are shown.

Banco Santander, S.A. Logo Banco Santander, S.A. Analysis (SAN)

Spain Financials Official Website Stock

Is Banco Santander, S.A. a good investment? Banco Santander, S.A. (SAN) is currently trading at 13.28 USD. Market analysts have a consensus price target of 14.79 USD. This suggests a potential upside from current levels.

In terms of valuation, the stock trades at a P/E ratio of 13.69. This relatively low multiple may signal that Banco Santander, S.A. is undervalued compared to historical market norms.

Earnings Schedule: Banco Santander, S.A. is expected to release its next earnings report on Oct. 28, 2026. The market consensus estimate for Forward EPS is 1.43.

For income investors, Banco Santander, S.A. pays a dividend yield of 1.91%. With a payout ratio of 32%, the dividend appears sustainable.

Investor FAQ

Does Banco Santander, S.A. pay a dividend?

Yes, it pays an annual dividend of 0.24 USD (1.91% yield).

What asset class is Banco Santander, S.A.?

Banco Santander, S.A. is classified as a Stock. You can compare it against 2 other assets in the "Related Symbols" list on this page.

When is the next earnings date?

The next earnings date is projected to be Oct. 28, 2026. The company currently has a trailing EPS of 0.97.

Company Profile

Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; corporate and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. The company was incorporated in 1856 and is headquartered in Madrid, Spain.

Exchange Ticker
NYQ (United States) SAN
STU (Germany) BSDK.SG
Trades
Dividend Yield
1.91%
5y avg 5.29%
Annual Dividends
0.24USD
Next Ex. Div Date
May 4, 2026
Payout Ratio
31.65%
Dividend History paid per year (USD)
Historical Dividends
Year Total Dividends
▸2027
0.26 USD
May 10, 2027 (estimated) 0.2647
▸2026
0.34 USD
Nov. 9, 2026 (estimated) 0.1668
May 8, 2026 0.1716
▸2025
0.26 USD
Nov. 6, 2025 0.1323
May 7, 2025 0.1240
▸2024
0.21 USD
Nov. 6, 2024 0.1085
May 7, 2024 0.1015
▸2023
0.15 USD
Nov. 7, 2023 0.0858
May 5, 2023 0.0651
▸2022
0.11 USD
Nov. 7, 2022 0.0575
May 5, 2022 0.0541
▸2021
0.09 USD
Nov. 5, 2021 0.0560
May 11, 2021 0.0290
▸2020
0.12 USD
Dec. 14, 2020 0.1198
▸2019
0.27 USD
Nov. 8, 2019 0.1240
May 9, 2019 0.0724
Feb. 8, 2019 0.0742
▸2018
0.26 USD
Nov. 13, 2018 0.0397
Aug. 8, 2018 0.0754
May 10, 2018 0.0717
Feb. 8, 2018 0.0745
▸2017
0.34 USD
Nov. 13, 2017 0.0464
Aug. 11, 2017 0.0712
Aug. 2, 2017 0.1078
May 9, 2017 0.0600
Feb. 8, 2017 0.0590
▸2016
0.22 USD
Nov. 14, 2016 0.0500
Aug. 8, 2016 0.0614
May 10, 2016 0.0575
Feb. 8, 2016 0.0544
▸2015
0.44 USD
Nov. 16, 2015 0.0536
Aug. 10, 2015 0.0548
May 11, 2015 0.1682
Feb. 9, 2015 0.1653
▸2014
0.85 USD
Nov. 13, 2014 0.2394
Aug. 11, 2014 0.2037
May 12, 2014 0.2058
Feb. 12, 2014 0.2051
▸2013
1.33 USD
Nov. 13, 2013 0.2065
Aug. 9, 2013 0.1985
May 10, 2013 0.5199
May 10, 2013 0.1960
Feb. 8, 2013 0.2065
▸2012
1.01 USD
Nov. 13, 2012 0.1918
Aug. 8, 2012 0.2278
July 10, 2012 0.1470
May 9, 2012 0.2889
Feb. 8, 2012 0.1561
▸2011
1.56 USD
Nov. 10, 2011 0.3497
Nov. 10, 2011 0.1730
Aug. 8, 2011 0.1926
May 9, 2011 0.3396
Feb. 10, 2011 0.3442
Feb. 10, 2011 0.1590
▸2010
1.14 USD
Nov. 12, 2010 0.3317
Nov. 12, 2010 0.1650
Aug. 9, 2010 0.1769
May 10, 2010 0.2922
Feb. 8, 2010 0.1713
▸2009
1.22 USD
Nov. 12, 2009 0.1750
Nov. 12, 2009 0.3537
Aug. 10, 2009 0.1936
May 11, 2009 0.3413
Feb. 9, 2009 0.1568
▸2008
1.23 USD
Dec. 11, 2008 0.2349
Nov. 10, 2008 0.1710
Aug. 8, 2008 0.2099
May 9, 2008 0.4339
Feb. 8, 2008 0.1820
▸2007
0.76 USD
Nov. 8, 2007 0.1772
Aug. 8, 2007 0.1677
May 8, 2007 0.2712
Feb. 8, 2007 0.1390
▸2006
0.56 USD
Nov. 8, 2006 0.1364
Aug. 8, 2006 0.1363
May 9, 2006 0.1730
Feb. 8, 2006 0.1120
▸2005
0.44 USD
Nov. 8, 2005 0.1110
Aug. 8, 2005 0.1130
May 9, 2005 0.1081
Feb. 8, 2005 0.1079
▸2004
0.39 USD
Nov. 8, 2004 0.1056
Aug. 9, 2004 0.0998
May 10, 2004 0.0839
Feb. 9, 2004 0.0960
▸2003
0.32 USD
Nov. 10, 2003 0.0886
Aug. 8, 2003 0.0860
May 9, 2003 0.0680
Feb. 10, 2003 0.0804
▸2002
0.27 USD
Nov. 8, 2002 0.0746
Aug. 8, 2002 0.0754
May 7, 2002 0.0568
Feb. 7, 2002 0.0646
▸2001
0.41 USD
Nov. 7, 2001 0.0673
Aug. 8, 2001 0.0656
May 7, 2001 0.1460
May 7, 2001 0.0662
Feb. 7, 2001 0.0610
▸2000
0.37 USD
Nov. 10, 2000 0.0563
Aug. 10, 2000 0.0610
May 9, 2000 0.0555
Feb. 7, 2000 0.1460
Feb. 7, 2000 0.0531
▸1999
0.21 USD
Nov. 8, 1999 0.0576
Aug. 12, 1999 0.0584
April 7, 1999 0.0400
Jan. 27, 1999 0.0510
▸1998
0.34 USD
Oct. 28, 1998 0.0600
Aug. 18, 1998 0.0475
Aug. 7, 1998 0.0466
July 28, 1998 0.0539
June 10, 1998 0.0324
April 1, 1998 0.0549
Jan. 28, 1998 0.0471
▸1997
0.19 USD
Oct. 28, 1997 0.0493
July 28, 1997 0.0456
April 25, 1997 0.0572
Jan. 28, 1997 0.0423
▸1996
0.17 USD
Oct. 28, 1996 0.0446
July 26, 1996 0.0452
April 25, 1996 0.0350
Jan. 26, 1996 0.0409
▸1995
0.17 USD
Oct. 30, 1995 0.0417
July 27, 1995 0.0427
April 24, 1995 0.0503
Jan. 25, 1995 0.0333
▸1994
0.52 USD
Oct. 25, 1994 0.0328
July 25, 1994 0.0377
June 8, 1994 0.3525
April 25, 1994 0.0606
Jan. 26, 1994 0.0357
▸1993
0.16 USD
Oct. 25, 1993 0.0385
July 26, 1993 0.0375
April 26, 1993 0.0832
▸1992
0.14 USD
Oct. 26, 1992 0.1063
April 24, 1992 0.0345
▸1991
0.13 USD
Oct. 25, 1991 0.0755
April 24, 1991 0.0574
▸1990
0.14 USD
Oct. 25, 1990 0.0750
April 24, 1990 0.0655
▸1989
0.10 USD
Oct. 25, 1989 0.0520
April 24, 1989 0.0444
▸1988
0.06 USD
Oct. 24, 1988 0.0194
April 25, 1988 0.0378
▸1987
4.55 USD
Oct. 26, 1987 4.5533
Upcoming Dividends
Name Payment Date Status Amount
Banco Santander, S.A. May 08, 2026 0.17161 USD
Banco Santander, S.A. Nov 06, 2025 0.13227 USD
Stock Splits
Split Date Split Ratio to 1
June 23, 1997 3:1
July 6, 1998 2:1
Aug. 18, 1998 1.02
June 21, 1999 2:1
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