Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Banco Santander, S.A. is a Spanish multinational banking group headquartered in Madrid, founded in 1857. It operates as one of Europe's largest financial institutions, providing a comprehensive range of services through segments including Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. The bank serves over 180 million customers worldwide with offerings such as demand and time deposits, mortgages, consumer and auto loans, credit and debit cards, mutual funds, project finance, debt capital markets, and digital payment solutions. Notable features include its 'ONE Transformation' strategy for operational efficiency, strong customer growth, and expansion efforts like the $12.3 billion acquisition of Webster Financial to bolster U.S. retail and commercial banking presence. Banco Santander, S.A. impacts sectors from individual consumers and small businesses to large corporations and public entities across multiple regions, maintaining listings on major exchanges including Spain, New York, London, Mexico, and Warsaw. Its diversified platform underscores its significant role in global finance, emphasizing profitability, shareholder returns through dividends and buybacks, and resilient performance amid varying economic conditions.
€11.92
+€0.05 (+0.46%)
EOD Jun 25, 2026 · Twelve Data
25.82% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue declined 6.0% YoY. For a bank, this often signals contracting loan book or reduced fee income.
Financial stocks carry unique risks (credit cycles, regulatory changes, interest rate sensitivity) that aren't captured by standard quality metrics.
11.1x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
€58.93B
▼ -6.0% YoY
Net Income (TTM)
€17.43B
▲ +12.8% YoY
Net Margin
29.58%
P/E
11.1x
Balance Sheet
Total Assets
€1.87T
Equity
€112.75B
Total Debt
€326.21B
Cash & Equiv.
€197.60B
3Y CAGR: +3.4%
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At a P/E of 11.1, A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in .
On quality, Banco Santander scores 86/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 1.9%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Banco Santander scores 86 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Banco Santander pays a regular dividend of about €0.22 per share per year (typically in quarterly installments), a yield of roughly 1.9% at the current price. That is a payout ratio of about 19.2% of earnings, so the dividend is amply covered by earnings. Banco Santander has grown the dividend at roughly 26.3% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For SAN.XMAD's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. you should weigh SAN.XMAD's valuation and scores 86/100 on quality (high-quality). It also yields about 1.9%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.