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Banco Santander (BCDRF) Financials

$12.16 +0.24 (+2.00%)
As of 03:27 PM Eastern
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Annual Income Statements for Banco Santander

Annual Income Statements for Banco Santander

This table shows Banco Santander's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Income / (Loss) Attributable to Common Shareholders		 10,058 21,605 7,951 4,236 -5,510 0.00 0.00 0.00 0.00 0.00 17,164
Consolidated Net Income / (Loss)		 10,058 21,605 9,859 10,661 9,108 0.00 0.00 0.00 0.00 0.00 18,191
Net Income / (Loss) Continuing Operations		 10,058 21,605 11,421 2,513 -3,714 0.00 0.00 0.00 0.00 0.00 17,164
Total Pre-Tax Income 		10,058 21,605 16,087 12,798 14,077 0.00 0.00 0.00 0.00 0.00 17,164
Total Revenue		 36,941 40,916 41,032 52,448 40,643 0.00 0.00 0.00 0.00 0.00 -49,262
Net Interest Income / (Expense)		 35,652 32,706 41,198 39,304 39,597 0.00 0.00 0.00 0.00 0.00 -69,667
Total Interest Income		 62,148 58,024 67,319 62,176 63,728 0.00 0.00 0.00 0.00 0.00 0.00
Total Interest Expense		 26,496 25,318 26,121 22,872 24,131 0.00 0.00 0.00 0.00 0.00 69,667
Total Non-Interest Income		 1,290 8,211 -166 13,145 1,046 0.00 0.00 0.00 0.00 0.00 20,405
Other Service Charges		 - 2,683 5,020 - - - - - - - 20,405
Total Non-Interest Expense		 26,883 19,312 21,272 39,650 39,752 0.00 0.00 0.00 0.00 0.00 -66,426
Other Operating Expenses		 8,988 3,644 29,857 23,295 22,758 - - - - - -66,426
Weighted Average Basic Shares Outstanding		 - - 16.14B 16.24B 16.62B 17.34B 17.34B 16.79B 16.18B 15.15B 14.69B
Weighted Average Diluted Shares Outstanding		 - - 16.14B 16.24B 16.62B 17.34B 17.34B 16.79B 16.18B 15.15B 14.69B
Weighted Average Basic & Diluted Shares Outstanding		 - - 16.14B 16.24B 16.62B 17.34B 17.34B 16.79B 16.18B 15.15B 14.69B

Quarterly Income Statements for Banco Santander

No quarterly income statements for Banco Santander are available.

Annual Cash Flow Statements for Banco Santander

This table details how cash moves in and out of Banco Santander's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Net Change in Cash & Equivalents		 8,582 -1,364 41,492 3,054 14,136 64,467 64,343 13,248 10,456 -14,895 -25,716
Net Cash From Operating Activities		 9,149 2,434 48,513 3,735 3,803 69,661 58,462 14,810 13,477 14,226 18,191
Net Cash From Continuing Operating Activities		 9,149 2,434 48,513 3,735 12,476 69,661 58,462 14,810 13,477 14,226 18,191
Net Income / (Loss) Continuing Operations		 7,969 7,875 9,859 10,661 9,108 -9,416 10,925 11,515 13,477 14,226 18,191
Consolidated Net Income / (Loss)		 7,969 7,875 9,859 10,661 9,108 -9,416 10,925 11,515 13,477 14,226 18,191
Non-Cash Adjustments to Reconcile Net Income		 20,354 -2,854 20,896 18,076 - 28,037 10,818 1,738 0.00 0.00 0.00
Net Cash From Investing Activities		 0.00 0.00 0.00 0.00 8,113 0.00 0.00 0.00 -3,021 -29,122 -43,907
Net Cash From Continuing Investing Activities		 0.00 0.00 0.00 0.00 23,959 0.00 0.00 0.00 -3,021 -29,122 -43,907
Other Investing Activities, net		 - - - - 2,388 - - - -3,021 -29,122 -43,907
Net Cash From Financing Activities		 0.00 0.00 0.00 0.00 11,360 0.00 0.00 0.00 0.00 0.00 0.00
Net Cash From Continuing Financing Activities		 0.00 0.00 0.00 0.00 9,649 0.00 0.00 0.00 0.00 0.00 0.00

Quarterly Cash Flow Statements for Banco Santander

No quarterly cash flow statements for Banco Santander are available.

Annual Balance Sheets for Banco Santander

This table presents Banco Santander's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
Total Assets		 1,456,253 1,408,760 1,734,964 1,670,150 1,708,860 1,842,486 1,806,166 1,855,738 1,987,910 1,901,563 2,191,716
Cash and Due from Banks		 84,294 79,936 133,332 130,088 - 187,930 238,458 238,643 243,742 198,955 178,717
Trading Account Securities		 211,768 202,713 310,797 106,301 121,462 140,417 132,367 167,015 298,676 339,581 393,128
Loans and Leases, Net of Allowance		 12,165 11,684 2,794 204,353 -141,077 147,757 122,277 91,189 38,739 37,879 44,566
Loans and Leases		 12,165 11,684 2,794 - - - - - 38,739 37,879 44,566
Premises and Equipment, Net		 21,008 25,988 24,806 28,148 38,451 38,813 36,605 35,350 37,480 33,213 32,201
Unearned Premiums Asset		 -48,896 -47,247 - - - - - - -49,085 -41,486 -43,179
Goodwill		 29,293 28,114 30,955 61,833 58,282 15,235 14,389 14,700 15,506 13,910 14,034
Intangible Assets		 2,684 2,837 3,500 3,541 - 4,199 4,381 5,246 6,476 6,025 6,279
Other Assets		 1,092,569 1,058,274 1,238,277 1,136,826 54,424 1,299,947 1,251,660 1,298,982 956,771 859,889 1,014,622
Total Liabilities & Shareholders' Equity		 1,456,253 1,408,760 1,897,452 1,670,150 1,708,860 1,842,486 1,806,166 1,855,738 1,987,910 1,901,563 2,191,716
Total Liabilities		 1,348,953 1,300,720 1,606,632 1,547,275 1,584,672 1,730,926 1,696,321 1,751,342 1,872,599 1,790,468 2,059,395
Other Long-Term Liabilities		 1,343,605 1,298,959 1,606,632 179,753 108,245 1,663,852 1,673,226 1,698,391 1,869,970 1,788,812 2,057,289
Total Equity & Noncontrolling Interests		 41,710 44,069 -54,042 50,893 9,325 43,586 35,320 26,924 63,528 67,293 88,861
Total Preferred & Common Equity		 30,070 31,697 -54,042 38,430 139,428 31,558 23,863 17,851 53,773 58,261 77,621
Total Common Equity		 30,070 31,697 -54,042 -19,932 81,468 -31,982 -30,440 -31,652 53,773 58,261 77,621
Retained Earnings		 50,447 52,551 - - 68,489 - - - 81,985 85,216 107,923
Accumulated Other Comprehensive Income / (Loss)		 -20,377 -20,854 -27,883 -27,611 - -42,688 -39,413 -40,100 -40,464 -39,970 -46,851
Other Equity Adjustments		 - - -26,158 -1,544 3,654 199 172 187 12,252 13,015 16,549
Noncontrolling Interest		 11,640 12,373 - 12,463 11,882 12,028 11,457 9,073 9,754 9,032 11,241

Quarterly Balance Sheets for Banco Santander

This table presents Banco Santander's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q4 2022 Q4 2023 Q4 2024
Period end date 12/31/2022 12/31/2023 12/31/2024
Total Assets		 1,855,738 1,987,910 1,901,563
Cash and Due from Banks		 238,643 243,742 198,955
Trading Account Securities		 167,015 195,710 238,335
Loans and Leases, Net of Allowance		 91,189 92,155 93,053
Allowance for Loan and Lease Losses		 -91,189 -92,155 -93,053
Premises and Equipment, Net		 35,350 36,423 32,308
Goodwill		 14,700 15,506 13,910
Intangible Assets		 5,246 6,476 6,025
Other Assets		 1,298,982 1,395,295 1,315,809
Total Liabilities & Shareholders' Equity		 1,855,738 1,987,910 1,901,563
Total Liabilities		 1,751,342 1,872,599 1,790,468
Short-Term Debt		 43,079 44,654 37,636
Other Long-Term Liabilities		 1,698,391 1,819,476 1,747,913
Total Equity & Noncontrolling Interests		 26,924 26,351 18,544
Total Preferred & Common Equity		 17,851 16,596 9,512
Preferred Stock		 49,503 49,085 41,486
Total Common Equity		 -31,652 -32,489 -31,974
Common Stock		 8,983 8,951 7,842
Treasury Stock		 -722 -1,192 -70
Accumulated Other Comprehensive Income / (Loss)		 -40,100 -40,464 -39,970
Other Equity Adjustments		 187 216 225
Noncontrolling Interest		 9,073 9,754 9,032

Annual Metrics And Ratios for Banco Santander

This table displays calculated financial ratios and metrics derived from Banco Santander's official financial filings.

Metric 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025
Period end date 12/31/2015 12/31/2016 12/31/2017 12/31/2018 12/31/2019 12/31/2020 12/31/2021 12/31/2022 12/31/2023 12/31/2024 12/31/2025
DEI Shares Outstanding		 - - - - - - - - - - 14,689,319,502.00
DEI Adjusted Shares Outstanding		 - - - - - - - - - - 14,689,319,502.00
DEI Earnings Per Adjusted Shares Outstanding		 - - - - - - - - - - 1.24
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 0.00% 10.76% 0.28% 27.82% -22.51% -100.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBITDA Growth		 0.00% 89.92% -20.30% -18.90% -72.65% -19.40% -9.13% 2.38% 10.30% -3.19% 0.00%
EBIT Growth		 0.00% 114.80% -25.54% -20.45% -93.04% -100.00% 0.00% 0.00% 0.00% 0.00% 0.00%
NOPAT Growth		 0.00% 114.80% -47.14% 12.05% -30.67% -100.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Income Growth		 0.00% 114.80% -54.37% 8.14% -14.57% -100.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS Growth		 0.00% 0.00% 0.00% -11.38% -19.35% -255.49% 181.04% 31.77% 25.34% 10.40% 0.00%
Operating Cash Flow Growth		 0.00% -73.39% 1,892.89% -92.30% 1.84% 1,731.57% -16.08% -74.67% -117.99% -1,196.46% 27.87%
Free Cash Flow Firm Growth		 0.00% 0.00% -1,795.33% 202.65% -116.77% 136.78% 94.15% -147.64% 39.71% 189.95% -196.34%
Invested Capital Growth		 0.00% 0.69% 337.98% -74.03% 56.78% -11.63% -25.54% 16.34% 8.47% -7.02% 19.11%
Revenue Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBITDA Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBIT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
NOPAT Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Income Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EPS Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Cash Flow Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow Firm Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Invested Capital Q/Q Growth		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 34.34% 58.88% 46.80% 29.69% 10.48% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
EBIT Margin		 27.23% 52.80% 39.21% 24.40% 2.19% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Profit (Net Income) Margin		 27.23% 52.80% 24.03% 20.33% 22.41% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Tax Burden Percent		 100.00% 100.00% 61.28% 83.30% 64.71% 0.00% 0.00% 0.00% 0.00% 0.00% 105.98%
Interest Burden Percent		 100.00% 100.00% 100.00% 100.00% 1,579.72% 0.00% 0.00% 0.00% 0.00% 0.00% 100.00%
Effective Tax Rate		 0.00% 0.00% 29.00% 0.00% 35.29% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Invested Capital (ROIC)		 9.37% 20.07% 3.93% 4.29% 5.62% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.37% 20.07% 3.40% 3.58% 5.81% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Net Nonoperating Assets (RNNOA)		 14.74% 30.31% -201.65% -681.47% 24.63% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Equity (ROE)		 24.11% 50.37% -197.72% -677.18% 30.25% 0.00% 0.00% 0.00% 0.00% 0.00% 23.30%
Cash Return on Invested Capital (CROIC)		 0.00% 19.38% -121.72% 121.84% -38.60% 12.34% 29.28% -15.11% -8.13% 7.28% -3.34%
Operating Return on Assets (OROA)		 0.69% 1.51% 1.02% 0.75% 0.05% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Assets (ROA)		 0.69% 1.51% 0.63% 0.63% 0.54% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Return on Common Equity (ROCE)		 17.38% 36.27% -443.03% -15,909.23% 30.91% 0.00% 0.00% 0.00% 0.00% 0.00% 20.27%
Return on Equity Simple (ROE_SIMPLE)		 33.45% 68.16% -18.24% 27.74% 6.53% 0.00% 0.00% 0.00% 0.00% 0.00% 23.44%
Net Operating Profit after Tax (NOPAT)		 10,058 21,605 11,421 12,798 8,873 0.00 0.00 0.00 0.00 0.00 17,164
NOPAT Margin		 27.23% 52.80% 27.84% 24.40% 21.83% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.53% 0.71% -0.18% 0.00% 0.00% 0.00% 0.00% 0.00% -2.35%
SG&A Expenses to Revenue		 8.85% 7.10% -33.95% 25.89% 33.52% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Operating Expenses to Revenue		 72.77% 47.20% 51.84% 75.60% 97.81% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Earnings before Interest and Taxes (EBIT)		 10,058 21,605 16,087 12,798 891 0.00 0.00 0.00 0.00 0.00 17,164
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 12,685 24,092 19,202 15,573 4,259 3,433 3,119 3,193 3,522 3,410 17,164
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 0.00 0.00 0.00 0.00 0.65 0.00 0.00 0.00 0.00 0.00 2.29
Price to Tangible Book Value (P/TBV)		 0.00 0.00 0.00 0.00 2.29 0.00 0.00 0.00 0.00 0.00 3.10
Price to Revenue (P/Rev)		 0.00 0.00 0.00 1.03 1.31 0.00 0.00 0.00 0.00 0.00 0.00
Price to Earnings (P/E)		 0.00 0.00 0.00 12.76 0.00 0.00 0.00 0.00 0.00 0.00 10.36
Dividend Yield		 13.36% 6.24% 5.06% 7.80% 7.88% 0.00% 1.93% 4.12% 3.81% 4.61% 2.19%
Earnings Yield		 0.00% 0.00% 0.00% 7.84% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 9.66%
Enterprise Value to Invested Capital (EV/IC)		 0.00 0.00 0.00 0.00 1.00 0.00 0.00 0.00 0.00 0.00 0.08
Enterprise Value to Revenue (EV/Rev)		 0.00 0.00 0.00 0.00 4.73 0.00 0.00 0.00 0.00 0.00 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 0.00 0.00 0.00 0.00 45.16 0.00 0.00 0.00 0.00 0.00 0.60
Enterprise Value to EBIT (EV/EBIT)		 0.00 0.00 0.00 0.00 215.85 0.00 0.00 0.00 0.00 0.00 0.60
Enterprise Value to NOPAT (EV/NOPAT)		 0.00 0.00 0.00 0.00 21.68 0.00 0.00 0.00 0.00 0.00 0.60
Enterprise Value to Operating Cash Flow (EV/OCF)		 0.00 0.00 0.00 0.00 50.57 0.00 0.00 0.00 0.00 0.00 0.56
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.00 0.00 -6.38 0.00 7.34 1.35 0.48 1.60 1.69 2.03 0.00
Long-Term Debt to Equity		 0.00 0.00 -6.38 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Financial Leverage		 1.57 1.51 -59.29 -190.31 4.24 5.86 2.76 3.41 4.77 5.88 0.56
Leverage Ratio		 34.91 33.40 -315.25 -1,081.44 56.11 67.12 46.24 58.83 72.15 86.64 26.21
Compound Leverage Factor		 34.91 33.40 -315.25 -1,081.44 886.43 0.00 0.00 0.00 0.00 0.00 26.21
Debt to Total Capital		 0.00% 0.00% 118.58% 0.00% 88.01% 57.38% 32.38% 61.54% 62.89% 66.99% 0.00%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 88.01% 57.38% 32.38% 61.54% 62.89% 66.99% 0.00%
Long-Term Debt to Total Capital		 0.00% 0.00% 118.58% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Preferred Equity to Total Capital		 0.00% 0.00% 0.00% 114.68% 75.68% 62.13% 103.96% 70.72% 69.13% 73.84% 0.00%
Noncontrolling Interests to Total Capital		 27.91% 28.08% 0.00% 24.49% 15.28% 11.76% 21.94% 12.96% 13.74% 16.08% 12.65%
Common Equity to Total Capital		 72.09% 71.92% -18.58% -39.16% 104.75% -31.27% -58.28% -45.22% -45.76% -56.91% 87.35%
Debt to EBITDA		 0.00 0.00 17.96 0.00 16.07 17.10 5.42 13.49 12.68 11.04 0.00
Net Debt to EBITDA		 0.00 0.00 11.02 0.00 16.07 -37.65 -71.03 -61.24 -56.52 -47.31 0.00
Long-Term Debt to EBITDA		 0.00 0.00 17.96 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Debt to NOPAT		 0.00 0.00 30.19 0.00 7.71 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt to NOPAT		 0.00 0.00 18.52 0.00 7.71 0.00 0.00 0.00 0.00 0.00 0.00
Long-Term Debt to NOPAT		 0.00 0.00 30.19 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Noncontrolling Interest Sharing Ratio		 27.91% 27.99% -124.07% -2,249.34% -2.19% 6.47% 179.11% 199.76% 220.40% 243.59% 12.98%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 0.00 20,865 -353,734 363,117 -60,892 22,398 43,486 -20,718 -12,490 11,235 -4,063
Operating Cash Flow to CapEx		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Free Cash Flow to Firm to Interest Expense		 0.00 0.82 -13.54 15.88 -2.52 0.00 0.00 0.00 0.00 0.00 -0.06
Operating Cash Flow to Interest Expense		 0.35 0.10 1.86 0.16 0.16 0.00 0.00 0.00 0.00 0.00 0.26
Operating Cash Flow Less CapEx to Interest Expense		 0.35 0.10 1.86 0.16 1.01 0.00 0.00 0.00 0.00 0.00 0.26
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.03 0.03 0.03 0.03 0.02 0.00 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover		 1.76 1.74 1.62 1.98 1.22 0.00 0.00 0.00 0.00 0.00 0.00
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 107,300 108,039 473,194 122,876 192,640 170,243 126,757 147,475 159,965 148,730 132,321
Invested Capital Turnover		 0.34 0.38 0.14 0.18 0.26 0.00 0.00 0.00 0.00 0.00 0.00
Increase / (Decrease) in Invested Capital		 0.00 740 365,155 -350,319 69,765 -22,398 -43,486 20,718 12,490 -11,235 21,227
Enterprise Value (EV)		 0.00 0.00 0.00 -5,211 192,337 -9,933 -105,439 -89,996 -73,659 -37,001 10,262
Market Capitalization		 0.00 0.00 0.00 54,053 53,144 43,747 50,347 46,993 66,590 73,800 177,739
Book Value per Share		 $0.00 $0.00 ($3.35) ($1.24) $5.02 ($1.92) ($1.76) ($1.88) ($1.93) ($1.98) $5.12
Tangible Book Value per Share		 $0.00 $0.00 ($5.48) ($5.29) $1.43 ($3.09) ($2.84) ($3.07) ($3.24) ($3.21) $3.78
Total Capital		 41,710 44,069 290,820 50,893 77,777 102,269 52,233 70,002 71,005 56,180 88,861
Total Debt		 0.00 0.00 344,862 0.00 68,452 58,683 16,912 43,079 44,654 37,636 0.00
Total Long-Term Debt		 0.00 0.00 344,862 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Debt		 -84,294 -79,936 211,530 -130,088 68,452 -129,247 -221,545 -195,565 -199,088 -161,318 -178,717
Capital Expenditures (CapEx)		 0.00 0.00 0.00 0.00 -20,463 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Expense (NNE)		 0.00 0.00 1,563 2,137 -235 0.00 0.00 0.00 0.00 0.00 -1,027
Net Nonoperating Obligations (NNO)		 65,589 63,970 527,236 71,983 183,316 126,657 91,437 120,551 133,615 130,187 43,460
Total Depreciation and Amortization (D&A)		 2,627 2,487 3,115 2,775 3,368 3,433 3,119 3,193 3,522 3,410 0.00
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.41 ($0.54) $0.00 $0.54 $0.65 $0.80 $0.00
Adjusted Weighted Average Basic Shares Outstanding		 0.00 0.00 0.00 0.00 16.62B 17.34B 0.00 16.79B 16.18B 15.15B 14.69B
Adjusted Diluted Earnings per Share		 $0.00 $0.00 $0.40 $0.45 $0.41 ($0.54) $0.00 $0.54 $0.65 $0.80 $0.00
Adjusted Weighted Average Diluted Shares Outstanding		 0.00 0.00 16.14B 16.24B 16.62B 17.34B 0.00 16.79B 16.18B 15.15B 14.69B
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 0.00 0.00 16.14B 16.24B 16.62B 17.34B 0.00 16.79B 16.18B 15.15B 14.69B
Normalized Net Operating Profit after Tax (NOPAT)		 15,440 22,315 12,090 8,959 8,873 0.00 0.00 0.00 0.00 0.00 12,015
Normalized NOPAT Margin		 41.80% 54.54% 29.46% 17.08% 21.83% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Pre Tax Income Margin		 27.23% 52.80% 39.21% 24.40% 34.63% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.38 0.85 0.62 0.56 0.04 0.00 0.00 0.00 0.00 0.00 0.25
NOPAT to Interest Expense		 0.38 0.85 0.44 0.56 0.37 0.00 0.00 0.00 0.00 0.00 0.25
EBIT Less CapEx to Interest Expense		 0.38 0.85 0.62 0.56 0.88 0.00 0.00 0.00 0.00 0.00 0.25
NOPAT Less CapEx to Interest Expense		 0.38 0.85 0.44 0.56 1.22 0.00 0.00 0.00 0.00 0.00 0.25
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 0.00% 0.00% 0.00% 0.00% -46.49% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Augmented Payout Ratio		 0.00% 0.00% 0.00% 0.00% -46.49% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%

Quarterly Metrics And Ratios for Banco Santander

No quarterly metrics and ratios for Banco Santander are available.


Financials Breakdown Chart

Key Financial Trends

Banco Santander, S.A. (NYSE: SAN) shows mixed balance sheet trends when comparing FY 2022 through FY 2024. Key items include steady loan growth, rising investment securities, and shifts in liquidity and equity components. The data below summarize the most material changes across the three years.

  • Net loans and leases, net rose steadily from about $91.2B in 2022 to about $93.1B in 2024, indicating continued loan book growth.
  • Trading account securities increased from roughly $167.0B (2022) to $238.3B (2024), signaling larger liquid asset holdings that can support liquidity and potential earnings.
  • Short-term debt declined in 2024 to about $37.6B from $44.7B in 2023, improving near-term liquidity dynamics.
  • Total assets remained well above 2022 levels, rising to about $1.99T in 2023 and around $1.90T in 2024, still higher than 2022’s $1.856T.
  • Accumulated other comprehensive income (loss) remains negative but improved modestly in 2024 (about -$39.97B) versus -$40.46B in 2023.
  • Other assets are a very large and fluctuating component of the balance sheet (2022: ~\$1.30T; 2023: ~\$1.40T; 2024: ~\$1.32T), making trends harder to interpret without context.
  • Goodwill and intangible assets show fluctuations across the years, with no clear impairment trend evident from the data provided.
  • Cash and due from banks declined sharply in 2024 to about \$199B from \$244B in 2023, suggesting tighter near-term liquidity or changes in cash management.
  • Total equity & noncontrolling interests declined from about \$26.35B in 2022 to ~\$18.54B in 2023 and remained near that level in 2024, indicating a compression of total equity.
  • Total common equity remains negative across all years (e.g., 2022: ~\$ -31.97B; 2023: ~\$ -32.49B; 2024: ~\$ -31.97B), which can reflect a complex capital structure or accounting presentation and may warrant closer scrutiny by investors.

Takeaway for retail investors: Santander demonstrates growth in its loan book and larger, more liquid asset holdings, with some improvements in near-term liquidity in 2024. However, the declines in cash, elevated loan loss provisioning signals (through higher allowances), and notable negative common equity components suggest areas to monitor, especially regarding capital quality and earnings stability amid shifting macro conditions.

05/05/26 05:44 PM ETAI Generated. May Contain Errors.

Frequently Asked Questions About Banco Santander's Financials

When does Banco Santander's fiscal year end?

According to the most recent income statement we have on file, Banco Santander's financial year ends in December. Their financial year 2025 ended on December 31, 2025.

How has Banco Santander's net income changed over the last 10 years?

Banco Santander's net income appears to be on a downward trend, with a most recent value of $18.19 billion in 2025, rising from $10.06 billion in 2015. The previous period was $0.00 in 2024.

How has Banco Santander's revenue changed over the last 10 years?

Over the last 10 years, Banco Santander's total revenue changed from $36.94 billion in 2015 to -$49.26 billion in 2025, a change of -233.4%.

How much debt does Banco Santander have?

Banco Santander's total liabilities were at $2.06 trillion at the end of 2025, a 15.0% increase from 2024, and a 52.7% increase since 2015.

How much cash does Banco Santander have?

In the past 10 years, Banco Santander's cash and equivalents has ranged from $0.00 in 2019 to $243.74 billion in 2023, and is currently $178.72 billion as of their latest financial filing in 2025.

How has Banco Santander's book value per share changed over the last 10 years?

Over the last 10 years, Banco Santander's book value per share changed from 0.00 in 2015 to 5.12 in 2025, a change of 512.3%.


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Financial statements for OTCMKTS:BCDRF last updated on 3/4/2026 by MarketBeat.com Staff. New filings and market data are monitored continuously.
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