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Stock Banco Santander, S.A. SAN.MC

Banco Santander, S.A. — Investlytic score 3/5 on the five criteria.

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Score Investlytic · 5 criteria

Analysis in progress…

Investlytic score: 3/5 criteria met. Data as of 17/09/2026.

  • ✅ Price trend passed
  • ✅ Growth passed
  • ❌ Debt failed
  • ✅ P/E passed
  • ❌ Correction failed

Price trend

Overall trend (8 years): the price has been multiplied by at least 1.5.

Price change 2018 → 2019: -6.30%

Price change 2019 → 2020: -28.85%

Price change 2020 → 2021: 15.75%

Price change 2021 → 2022: -4.76%

Price change 2022 → 2023: 35.00%

Price change 2023 → 2024: 17.99%

Price change 2024 → 2025: 125.78%

Price change 2025 → 2026: 22.34%

Price change 2026 (year to date): 20.20%

Financial growth

Revenue CAGR (8 years): 13.41%

Earnings CAGR (8 years): 8.81%

Growth status: positive trend (>1%/yr) in revenue and earnings.

Debt

Debt-to-equity ratio: 5.05

Debt/equity > 0.5 (maximum threshold).

P/E (Price/Earnings)

P/E ratio: 11.61

P/E < 25.0 (maximum threshold).

Correction (6 months)

Current correction: 1.52% from the high over 6 months.

Insufficient correction (< 10.0%).

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Criteria of the Investlytic model

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Price trend

Price & trend

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⚖️ Comparison with the market

All stocks →
StockP/EDette/FPRevenue growthRating
Banco Santander, S.A.10.35.05+7.4 %🔒
Allianz SE14.70.46+2.6 %★ 4/5
Citigroup Inc.11.63.37+2.8 %–
American Express Company18.91.73+6.8 %–
Banco Bilbao Vizcaya Argentaria, S.A.11.42.94+3.5 %★ 4/5

Data from the Investlytic screener. The rating of the stock being viewed is reserved for members.

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Detailed analysis · Price trend

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Global model trend and annual price variations · visible with a free account.

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Revenues & profits

Revenue and net income

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Chart of revenues and net income over 8 periods · real data, no estimates.

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Financial indicators

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18 financial indicators analyzed by groups of criteria: valuation, profitability, growth, solidity, dividend, and momentum.

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Annual financial statements

Fiscal yearRevenueNet income Net marginEPSRevenue growth
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Complete annual financial statements: revenue, net income, margin, and EPS over 8 fiscal years.

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Accounts and financial health

Balance sheet and cash flow published by Banco Santander, S.A. over the last fiscal years, strength scores and valuation by discounted cash flow (DCF).

Overview
fragile accounts
according to Altman Z, Piotroski and net debt
Altman Z-score
n/a
not applicable to banks and insurance
Piotroski Score
6 / 9
4 to 6: average accounts
Net Debt / EBITDA
14.51 x
high debt
Fiscal year20212022202320242025
Cash and investments211 bn223 bn288 bn237 bn458 bn
Total Debt249 bn283 bn311 bn483 bn521 bn
Net Debt38.3 bn59.9 bn-5.2 bn265 bn368 bn
Equity86.9 bn89.1 bn95.4 bn98.6 bn103 bn
Total assets1,596 bn1,735 bn1,797 bn1,837 bn1,868 bn
Operating cash flow56.7 bn27.7 bn80.6 bn-24.2 bn83.5 bn
Investments (capex)11.4 bn10.8 bn11.4 bn10.6 bn7.7 bn
Free cash-flow45.3 bn16.9 bn66.9 bn-32.6 bn77.7 bn
Share buybacks1.6 bn2.0 bn3.1 bn4.8 bn4.1 bn
Dividends paid1.3 bn1.8 bn2.3 bn3.0 bn3.3 bn

Amounts in EUR, currency of the published accounts.

Trailing 12-month ratios

Price / earnings (P/E)9.64 x
Price / book value1.40 x
Return on Equity (ROE)15.0 %
Return on Invested Capital (ROIC)0.7 %
Net margin17.4 %
Debt / equity4.30 x
Current ratio0.00 x
Interest coverage0.42 x
Free cash-flow yield36.1 %

Altman Z: default risk estimated from the balance sheet and earnings. Piotroski: 9 tests on profitability, debt and efficiency. DCF: estimated value from discounted future cash flows, a model and not a forecast. Source: annual accounts published by the company, data as of 09/11/2026.

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Dividends and earnings

Banco Santander, S.A.: dividend history, last distributions, stock splits and earnings releases.

Frequency
semi-annual
Last dividend
0.127 EUR
ex-dividend on 29/10/2026
Last 12 months
0.252 EUR
number of payments: 2
Yield
2.2 %
on the last known price
Years of increases
5
consecutive
Years of payments
5
uninterrupted
00.150.300.450.602007 : 0.478 EUR2008 : 0.585 EUR20082009 : 0.547 EUR2010 : 0.556 EUR20102011 : 0.572 EUR2012 : 0.604 EUR20122013 : 0.570 EUR2014 : 0.540 EUR20142015 : 0.374 EUR2016 : 0.184 EUR20162017 : 0.162 EUR2018 : 0.171 EUR20182019 : 0.179 EUR2020 : 0.0000 EUR20202021 : 0.0668 EUR2022 : 0.0889 EUR20222023 : 0.114 EUR2024 : 0.176 EUR20242025 : 0.225 EUR2026 : 0.252 EUR2026

Annual dividend per share (EUR), adjusted for splits. Light bar: current year, incomplete. Red bar: lower than the previous year.

Latest ex-dividend dates

Ex-dividendAmountPayment
29/10/20260.127 EUR02/11/2026
30/04/20260.125 EUR05/05/2026
30/10/20250.115 EUR03/11/2025
29/04/20250.110 EUR02/05/2025
30/10/20240.0810 EUR01/11/2024
29/04/20240.0950 EUR02/05/2024
31/10/20230.0656 EUR02/11/2023
27/04/20230.0482 EUR02/05/2023

Earnings releases

DatePublished EPSExpected EPSSurprise
28/10/20260.250.24+7.8 %
22/07/20260.230.24-3.3 %
29/04/20260.350.27+31.9 %
04/02/20260.240.21+15.0 %
29/10/20250.220.22+1.0 %
30/07/20250.220.22+1.1 %

Stock splits

DateOperation
16/11/2020split: 24 shares for 23
06/07/2017split: 127 shares for 125
16/01/2012split: 1,021 shares for 1,000
17/10/2011split: 50 shares for 49
17/01/2011split: 66 shares for 65
13/11/2008split: 134 shares for 125

Factual data: ex-dividend history and earnings calendar, as of 05/11/2026. A past dividend does not guarantee the next one.

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