InsiderClue
Stocks · Financials · Commercial Banks, NEC

Banco Santander, S.A.

SAN Clue Score52
Spain Fiscal year ends December CIK 0000891478
$13.48 -0.07% Close, 12 Oct 2026
Alert on the numbers Alert on insider trades
Price $13.48 +244.76% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueOperating incomeNet income
Fiscal year 2016Revenue74.16Operating income23.13Net income6.20EPS, diluted0.40Fiscal year 2017Revenue74.18 +0.0%Operating income25.36Net income6.62 +6.7%EPS, diluted0.40 +1.0%Fiscal year 2018Operating income25.65Net income7.81 +18.0%EPS, diluted0.43 +6.5%Fiscal year 2019Operating income25.95Net income6.52 −16.6%EPS, diluted0.35 −19.3%Fiscal year 2020Operating income23.15Net income−8.77 −234.6%EPS, diluted−0.54 −255.5%Fiscal year 2021Operating income24.99Net income8.12EPS, diluted0.44Fiscal year 2022Net income9.61 +18.2%EPS, diluted0.54 +23.2%Fiscal year 2023Net income11.08 +15.3%EPS, diluted0.65 +21.2%Fiscal year 2024Net income12.57 +13.5%EPS, diluted0.77 +18.0%Fiscal year 2025Net income14.10 +12.1%EPS, diluted0.90 +17.2%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue 74.16 74.18 n/a n/a n/a n/a n/a n/a n/a n/a
Growth +0.0%
Operating income 23.13 25.36 25.65 25.95 23.15 24.99 n/a n/a n/a n/a
Net income 6.20 6.62 7.81 6.52 −8.77 8.12 9.61 11.08 12.57 14.10
Growth +6.7% +18.0% −16.6% −234.6% +18.2% +15.3% +13.5% +12.1%
EPS, diluted 0.40 0.40 0.43 0.35 −0.54 0.44 0.54 0.65 0.77 0.90
Growth +1.0% +6.5% −19.3% −255.5% +23.2% +21.2% +18.0% +17.2%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Operating marginNet margin
Fiscal year 2016Operating margin31.2%Net margin8.4%Free cash flow margin20.6%Fiscal year 2017Operating margin34.2%Net margin8.9%Free cash flow margin44.1%Fiscal year 2018Fiscal year 2019Fiscal year 2020Fiscal year 2021Fiscal year 2022Fiscal year 2023Fiscal year 2024Fiscal year 2025
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating margin 31.2% 34.2% n/a n/a n/a n/a n/a n/a n/a n/a
Net margin 8.4% 8.9% n/a n/a n/a n/a n/a n/a n/a n/a
Free cash flow margin 20.6% 44.1% n/a n/a n/a n/a n/a n/a n/a n/a

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow21.82Capital expenditure−6.57Free cash flow15.25Dividends paid−2.31Fiscal year 2017Operating cash flow40.19Capital expenditure−7.45Free cash flow32.74 +114.7%Buybacks0.00Dividends paid−2.67Fiscal year 2018Operating cash flow3.42Capital expenditure−10.73Free cash flow−7.31 −122.3%Buybacks0.00Dividends paid−3.12Fiscal year 2019Operating cash flow3.39Capital expenditure−12.77Free cash flow−9.38Buybacks0.00Dividends paid−3.77Fiscal year 2020Operating cash flow66.15Capital expenditure−7.39Free cash flow58.77Buybacks0.00Dividends paid0.00Fiscal year 2021Operating cash flow56.69Capital expenditure−10.02Free cash flow46.68 −20.6%Buybacks0.00Dividends paid−1.31Fiscal year 2022Operating cash flow27.71Capital expenditure−9.07Free cash flow18.64 −60.1%Buybacks0.00Dividends paid−1.85Fiscal year 2023Operating cash flow5.02Capital expenditure−11.45Free cash flow−6.43 −134.5%Buybacks0.00Dividends paid−2.26Fiscal year 2024Operating cash flow−24.16Capital expenditure−8.49Free cash flow−32.65Dividends paid−3.02Fiscal year 2025Operating cash flow−14.84Capital expenditure−5.85Free cash flow−20.69Dividends paid−3.34
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 21.82 40.19 3.42 3.39 66.15 56.69 27.71 5.02 −24.16 −14.84
Capital expenditure −6.57 −7.45 −10.73 −12.77 −7.39 −10.02 −9.07 −11.45 −8.49 −5.85
Free cash flow 15.25 32.74 −7.31 −9.38 58.77 46.68 18.64 −6.43 −32.65 −20.69
Growth +114.7% −122.3% −20.6% −60.1% −134.5%
Buybacks n/a 0.00 0.00 0.00 0.00 0.00 0.00 0.00 n/a n/a
Dividends paid −2.31 −2.67 −3.12 −3.77 0.00 −1.31 −1.85 −2.26 −3.02 −3.34

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
Cash
Fiscal year 2016Cash76.45Shareholders’ equity105.98Fiscal year 2017Cash111.00Shareholders’ equity116.27Fiscal year 2018Cash113.66Shareholders’ equity118.61Fiscal year 2019Cash101.07Shareholders’ equity122.10Fiscal year 2020Cash153.84Shareholders’ equity91.32Fiscal year 2021Cash210.69Shareholders’ equity97.05Fiscal year 2022Cash223.07Shareholders’ equity97.59Fiscal year 2023Cash220.34Shareholders’ equity104.24Fiscal year 2024Cash192.21Shareholders’ equity107.33Fiscal year 2025Cash152.28Shareholders’ equity112.75
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash 76.45 111.00 113.66 101.07 153.84 210.69 223.07 220.34 192.21 152.28
Shareholders’ equity 105.98 116.27 118.61 122.10 91.32 97.05 97.59 104.24 107.33 112.75

In billions of EUR, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
31.2% 34.2% n/a n/a n/a n/a n/a n/a n/a n/a
14.5% 16.3% n/a n/a n/a n/a n/a n/a n/a n/a
8.4% 8.9% n/a n/a n/a n/a n/a n/a n/a n/a
20.6% 44.1% n/a n/a n/a n/a n/a n/a n/a n/a
Spending
8.9% 10.0% n/a n/a n/a n/a n/a n/a n/a n/a
30.5% 32.1% 34.4% 35.3% n/a 33.6% 29.4% 25.9% 27.9% 25.3%
Returns
5.9% 5.7% 6.6% 5.3% −9.6% 8.4% 9.8% 10.6% 11.7% 12.5%
0.5% 0.5% 0.5% 0.4% −0.6% 0.5% 0.6% 0.6% 0.7% 0.8%
Balance and payout
92.3% 92.6% 92.6% 92.7% 93.9% 93.9% 94.4% 94.2% 94.2% 94.0%
37.2% 40.3% 39.9% 57.9% n/a 16.2% 19.2% 20.4% 24.0% 23.7%
15.1% 8.1% n/a n/a 0.0% 2.8% 9.9% n/a n/a n/a

Shown in EUR as filed; the screener converts to dollars.