Banco Santander, S.A. (SAN)

ES — Financial Services Sector
Peers: BCS  ING  HSBC  NWG  UBS  BBVA  BBVXF  MUFG  BCLYF  SVNLY  C  RY 

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Key Metrics & Ratings

  • symbol SAN
  • Rev/Share 5.0211
  • Book/Share 7.5341
  • PB 1.5286
  • Debt/Equity 4.4739
  • CurrentRatio 0.0
  • ROIC 0.0

 

  • MktCap 156082948838.757
  • FreeCF/Share 0.561
  • PFCF 18.599
  • PE 11.6384
  • Debt/Assets 0.2472
  • DivYield 0.0176
  • ROE 0.1334

 

  • Rating C+
  • Score 2
  • Recommendation Sell
  • P/E Score 3
  • DCF Score 1
  • P/B Score 2
  • D/E Score 1

Recent Analyst Ratings

Type Ticker Analyst Firm Previous Rating Current Rating Previous Price Target Current Price Target Date
Upgrade SAN Kepler Hold Buy -- -- Jan. 13, 2026
Resumed SAN Citigroup -- Buy -- -- June 4, 2025

News

Banco Santander, S.A. (SAN) Q4 2025 Earnings Call Prepared Remarks Transcript
SAN
Published: February 04, 2026 by: Seeking Alpha
Sentiment: Neutral

Banco Santander, S.A. (SAN) Q4 2025 Earnings Call Prepared Remarks Transcript

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image for news Banco Santander, S.A. (SAN) Q4 2025 Earnings Call Prepared Remarks Transcript
WBS Agrees to $12.3B Buyout by SAN: What This Means for Investors
SAN, WBS
Published: February 04, 2026 by: Zacks Investment Research
Sentiment: Positive

Webster agrees to a cash-and-stock acquisition by Banco Santander for $75.59 per share, with closing expected in the second half of 2026.

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image for news WBS Agrees to $12.3B Buyout by SAN: What This Means for Investors
Santander Says Webster Buy 'Right Deal at Right Time'
SAN
Published: February 04, 2026 by: Bloomberg Markets and Finance
Sentiment: Positive

Banco Santander Executive Chair Ana Botin says the lender's decision to acquire Webster Financial in a $12 billion deal is a "strategically important" move. "It drives us to our ultimate goal, which is to be one of the most profitable banks in each geography," Botin tells Bloomberg Television.

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image for news Santander Says Webster Buy 'Right Deal at Right Time'
Banco Santander to Buy Webster Financial in $12.3 Billion Deal
SAN, WBS
Published: February 03, 2026 by: WSJ
Sentiment: Positive

Banco Santander is buying Webster Financial, the holding company for Webster Bank, in a cash-and-stock transaction valued at $12.3 billion.

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image for news Banco Santander to Buy Webster Financial in $12.3 Billion Deal
Santander to buy Webster Financial in $12.2 billion deal
SAN, WBS
Published: February 03, 2026 by: Reuters
Sentiment: Positive

Spain's Santander said on Tuesday it will buy U.S. regional lender Webster Financial in a $12.2 billion deal.

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image for news Santander to buy Webster Financial in $12.2 billion deal
Santander, NatWest explore multi-billion-pound pension transfers, Bloomberg News reports
NWG, SAN
Published: February 03, 2026 by: Reuters
Sentiment: Positive

European banks Banco Santander SA and NatWest are exploring the sale of several billion pounds' worth of UK pension assets to an insurance company, Bloomberg News reported on Tuesday, citing people familiar with the plans.

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image for news Santander, NatWest explore multi-billion-pound pension transfers, Bloomberg News reports
Sanofi (SAN:CA) Q4 2025 Earnings Call Transcript
SAN, SNY
Published: January 29, 2026 by: Seeking Alpha
Sentiment: Neutral

Sanofi (SAN:CA) Q4 2025 Earnings Call Transcript

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image for news Sanofi (SAN:CA) Q4 2025 Earnings Call Transcript
Santander US Finds Middle-Income Americans Optimistic about Finances, See Benefits of AI for Car Buying and Managing Finances
SAN
Published: January 29, 2026 by: Business Wire
Sentiment: Neutral

BOSTON--(BUSINESS WIRE)--Santander Holdings USA, Inc. (“Santander US”) today announced findings from the latest Santander US Paths to Financial Prosperity study showing middle-income Americans' continued resilience and optimism, even as inflation concerns persist. Results from the Q4 2025 survey show that consumers' confidence in achieving financial prosperity remains at a three-year high, with 79% believing they are on the right track. This is further supported by households indicating that th.

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image for news Santander US Finds Middle-Income Americans Optimistic about Finances, See Benefits of AI for Car Buying and Managing Finances
Banco Santander: I Am Cautious As The Long-Term Risk-Reward Proposition Is Not Great
SAN
Published: January 28, 2026 by: Seeking Alpha
Sentiment: Neutral

Banco Santander, S.A. has rallied ~28% since October, driven by valuation multiple expansion rather than earnings or book value growth. Despite SAN's capital return prospects and strong share buybacks, earnings momentum remains weak due to rate sensitivity and flat loan growth. SAN now trades at 1.62x book value, its highest in a decade, with a forward dividend yield of just 2.16%, below sector averages.

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image for news Banco Santander: I Am Cautious As The Long-Term Risk-Reward Proposition Is Not Great
David McClelland Appointed Head of the Santander US Auto Business
SAN
Published: January 26, 2026 by: Business Wire
Sentiment: Neutral

BOSTON & DALLAS--(BUSINESS WIRE)--Santander Holdings USA, Inc. (“Santander US”) announced that David McClelland has been named Head of the Santander US Auto business, effective today. McClelland will be responsible for executing on the company's Auto growth strategy, enhancing dealer and customer experiences, and managing manufacturer (OEM) relationships. In this capacity, he succeeds Bruce Jackson, who announced his retirement from the company. McClelland was appointed last year to lead Santan.

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image for news David McClelland Appointed Head of the Santander US Auto Business
Are You Looking for a Top Momentum Pick? Why Banco Santander (SAN) is a Great Choice
SAN
Published: January 09, 2026 by: Zacks Investment Research
Sentiment: Positive

Does Banco Santander (SAN) have what it takes to be a top stock pick for momentum investors? Let's find out.

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image for news Are You Looking for a Top Momentum Pick? Why Banco Santander (SAN) is a Great Choice
Santander US Partners with Villanova University Athletics to Advance Opportunities for Student-Athletes
SAN
Published: December 22, 2025 by: Business Wire
Sentiment: Neutral

BOSTON & VILLANOVA, Pa.--(BUSINESS WIRE)--Today, Santander US announced a multi-year partnership with Villanova University Athletics naming Santander the Official Retail Bank Partner of Villanova Athletics and awarding a $1 million grant to Villanova University to provide scholarships for 50 student-athletes. This grant is part of the company's recently announced $13 million in funding to more than 30 colleges and universities across the U.S. for 2025 and 2026. This relationship was developed i.

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image for news Santander US Partners with Villanova University Athletics to Advance Opportunities for Student-Athletes
Polish financial regulator gives green light for Erste's takeover of Santander
SAN, EBKDY
Published: December 17, 2025 by: Reuters
Sentiment: Positive

The Polish financial regulator (KNF) has given a green light to Erste Group Bank AG's purchase of a controlling stake in Santander Bank Polska , it said in a statement on Wednesday.

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image for news Polish financial regulator gives green light for Erste's takeover of Santander
Santander to sell 3.5% stake in its Polish unit for around $480 mln, bookrunner says
SAN
Published: December 01, 2025 by: Reuters
Sentiment: Neutral

Spain's Santander plans to sell an around 3.5% stake in its Polish subsidiary Santander Polska through an accelerated bookbuild for around $480 million, one of the bookrunners said on Monday.

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image for news Santander to sell 3.5% stake in its Polish unit for around $480 mln, bookrunner says
Santander's Exposure to First Brands Founder Patrick James Reaches $300 Million
SAN
Published: November 19, 2025 by: PYMNTS
Sentiment: Negative

Santander's exposure to companies owned by First Brands Group founder Patrick James has reportedly grown to $300 million. The increase was caused by James defaulting on a loan he took out to buy a French car parts group, The Wall Street Journal (WSJ) reported Wednesday (Nov. 19), citing unnamed sources.

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image for news Santander's Exposure to First Brands Founder Patrick James Reaches $300 Million
Santander Exposure to First Brands Rises to Around $300 Million
SAN
Published: November 19, 2025 by: WSJ
Sentiment: Negative

A loan default involving French auto parts maker Novares has added to the debts owed to the Spanish bank.

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image for news Santander Exposure to First Brands Rises to Around $300 Million
Santander Unveils Tool to Help Businesses Navigate Global Expansion
SAN
Published: November 04, 2025 by: PYMNTS
Sentiment: Positive

Santander has introduced a platform designed to help businesses expand internationally. Navigator Global, announced Tuesday (Nov. 4), is designed to connect users to “verified providers, local experts and real-time insights,” to help them reduce the risks associated with global trade, the bank said in a news release.

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image for news Santander Unveils Tool to Help Businesses Navigate Global Expansion
Lloyds and Santander the biggest losers from current account switching
LYG, SAN
Published: October 30, 2025 by: Proactive Investors
Sentiment: Negative

Lloyds and Santander were the worst affected by bank account switching in the past quarter, with Barclays also one of the major net losers. Santander UK (LSE:BNC) saw a net 23,000 account switches between July and September 2025, the largest for an individual lending brand, as over 33,000 accounts were closed and over 10,000 added.

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image for news Lloyds and Santander the biggest losers from current account switching
Banco Santander: Total Return Prospects Seem Limited Following Q3 Earnings
SAN
Published: October 29, 2025 by: Seeking Alpha
Sentiment: Positive

Banco Santander, S.A. has outperformed with a 200%+ total return since 2022, driven by its diversified global footprint and M&A activity. SAN's recent deals—exiting Polish CHF-mortgages and acquiring TSB in the UK—improve its risk profile and geographic balance. Despite solid cost control and stable asset quality, SAN faces NII headwinds from lower European rates, limiting near-term earnings growth.

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image for news Banco Santander: Total Return Prospects Seem Limited Following Q3 Earnings
Santander UK withholds third-quarter results amid motor finance scrutiny
SAN
Published: October 29, 2025 by: Reuters
Sentiment: Negative

Santander UK on Wednesday said it has decided not to publish its third-quarter results as the lender seeks clarity on the UK financial regulator's proposals related to the motor finance mis-selling scandal.

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image for news Santander UK withholds third-quarter results amid motor finance scrutiny
Santander Bank Polska Q3 profit beats expectations
SAN
Published: October 29, 2025 by: Reuters
Sentiment: Positive

Santander Bank Polska on Wednesday reported better-than-expected net profit in the third quarter, helped by growth in net interest income and net fee and commission income.

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image for news Santander Bank Polska Q3 profit beats expectations
Santander Profit Rises on Contained Costs
SAN
Published: October 29, 2025 by: WSJ
Sentiment: Positive

Net profit was a touch above analysts' expectations and rose 8% from the comparable quarter last year.

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image for news Santander Profit Rises on Contained Costs
Santander's Q3 net profit rises 8% from same period in 2024
SAN
Published: October 29, 2025 by: Reuters
Sentiment: Positive

Spain's Santander said on Wednesday its net profit in the third quarter rose 7.8% compared to the same period in 2024 as higher fees and lower loan loss provisions offset a decline in lending income.

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image for news Santander's Q3 net profit rises 8% from same period in 2024
Sanofi (SAN:CA) Q3 2025 Earnings Call Transcript
SAN, SNY
Published: October 24, 2025 by: Seeking Alpha
Sentiment: Neutral

Sanofi (SAN:CA) Q3 2025 Earnings Call Transcript

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image for news Sanofi (SAN:CA) Q3 2025 Earnings Call Transcript
SAN or TD: Which Is the Better Value Stock Right Now?
SAN, TD
Published: October 24, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors interested in Banks - Foreign stocks are likely familiar with Banco Santander (SAN) and Toronto-Dominion Bank (TD). But which of these two stocks is more attractive to value investors?

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image for news SAN or TD: Which Is the Better Value Stock Right Now?
Santander had $55 million debt exposure to First Brands, US court document shows
SAN
Published: October 22, 2025 by: Reuters
Sentiment: Negative

Spanish bank Santander had debt exposure to bankrupt auto parts maker First Brands Group of at least $55 million by the end of September, a U.S. court document, seen by Reuters, showed.

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image for news Santander had $55 million debt exposure to First Brands, US court document shows
Banco Santander (Brasil): A Lean Bank Playing It Safe
SAN
Published: October 15, 2025 by: Seeking Alpha
Sentiment: Positive

Santander Brasil is playing it safe, prioritizing high-margin clients and profitability over rapid loan growth. The bank maintains one of the best efficiency ratios among Brazilian incumbents through disciplined cost management and branch optimization. High interest rates support spreads, but slower credit growth and elevated provisions pose risks to profitability.

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image for news Banco Santander (Brasil): A Lean Bank Playing It Safe
SAN vs. NRDBY: Which Stock Is the Better Value Option?
NRDBY, SAN
Published: October 07, 2025 by: Zacks Investment Research
Sentiment: Positive

Investors with an interest in Banks - Foreign stocks have likely encountered both Banco Santander (SAN) and Nordea Bank AB (NRDBY). But which of these two companies is the best option for those looking for undervalued stocks?

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image for news SAN vs. NRDBY: Which Stock Is the Better Value Option?
Santander UK's CEO to step down ahead of TSB merger
SAN
Published: October 03, 2025 by: Reuters
Sentiment: Neutral

Santander UK said on Friday its CEO Mike Regnier will step down in the first quarter of 2026, as the British arm of Spain's Banco Santander prepares to merge with TSB.

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image for news Santander UK's CEO to step down ahead of TSB merger
Spain's Santander raises interim cash dividend by 15%
SAN
Published: September 30, 2025 by: Reuters
Sentiment: Positive

Santander's board has approved an interim cash dividend of 0.115 euros per share against its 2025 results, up 15% from a year earlier, the Spanish bank said on Tuesday.

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image for news Spain's Santander raises interim cash dividend by 15%

About Banco Santander, S.A. (SAN)

  • IPO Date 1987-07-30
  • Website https://www.santander.com
  • Industry Banks - Diversified
  • CEO Hector Blas Grisi Checa
  • Employees 206736

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.