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    B

    Banco Santander SA ADR (SAN)

    Official site

    FINANCIAL SERVICES • BANKS - DIVERSIFIED • NYSE

    $13.55
    +0.07 (+0.52%)

    Market Cap: $195.90B

    Last updated: Oct 16, 2026 at 1:55 PM ET

    Earnings

    Performance (10Y)

    Beat Rate
    69%(24/35)
    Avg Surprise
    +8.98%

    Upcoming Estimates

    Period ending Sep 30, 2026
    EPS Consensus$0.31
    Range$0.31 - $0.31
    1 analysts
    EPS Revisions
    1
    0
    7d
    0
    1
    30d
    EPS Estimate DriftChange to current
    90d ago$0.31-0.1%
    60d ago$0.30+3.9%
    30d ago$0.310.0%
    7d ago$0.310.0%
    Current$0.31
    Revenue Consensus
    $16.8B
    Range$16.8B - $16.8B
    1 analysts
    Period ending Dec 31, 2026
    EPS Consensus$0.40
    Range$0.32 - $0.48
    2 analysts
    Revenue Consensus
    $16.2B
    Range$14.0B - $17.2B
    15 analysts
    PeriodReportedEst.SurpriseB/MYoY
    Dec 26EST
    		-$0.40---
    Sep 26EST
    		-$0.31---
    Jun 26
    Reported Jul 22
    		$0.27$0.29-6.90%Miss+17.4%
    Mar 26
    Reported Apr 29
    		$0.27$0.29-6.90%Miss+8.0%
    Dec 25
    Reported Feb 4
    		$0.30$0.26+14.81%Beat+24.4%
    Sep 25
    Reported Oct 29
    		$0.26$0.26+0.00%Beat+23.8%
    Sep 25
    Reported Oct 29
    		$0.23$0.25-8.00%Miss+4.5%
    Jun 25
    Reported Jul 30
    		$0.25$0.25+0.00%Beat+13.6%
    Mar 25
    Reported Apr 30
    		$0.24$0.23+4.35%Beat+33.3%
    Dec 24
    Reported Feb 5
    		$0.21$0.19+10.53%Beat+5.0%
    Sep 24
    Reported Oct 29
    		$0.22$0.22+0.00%Beat+22.2%
    Jun 24
    Reported Jul 24
    		$0.22$0.22+0.00%Beat+22.2%
    Mar 24
    Reported Apr 30
    		$0.18$0.19-5.26%Miss+20.0%
    Dec 23
    Reported Jan 31
    		$0.20$0.19+5.26%Beat+40.6%
    Sep 23
    Reported Oct 25
    		$0.18$0.17+5.88%Beat+30.7%
    Jun 23
    Reported Jul 26
    		$0.18$0.17+5.88%Beat+35.3%
    Mar 23
    Reported Apr 25
    		$0.15$0.15+0.00%Beat-0.1%
    Dec 22
    Reported Feb 2
    		$0.14$0.13+6.36%Beat+1.6%
    Sep 22
    Reported Oct 26
    		$0.14$0.13+7.66%Beat+5.9%
    Jun 22
    Reported Jul 28
    		$0.13$0.13+1.14%Beat+0.6%
    Mar 22
    Reported Apr 26
    		$0.15$0.14+5.85%Beat+7.1%
    Dec 21
    Reported Feb 2
    		$0.14$0.10+40.00%Beat+57.5%
    Sep 21
    Reported Oct 27
    		$0.13$0.14-7.14%Miss+4.3%
    Jun 21
    Reported Jul 28
    		$0.13$0.13+1.61%Beat+33.7%
    Mar 21
    Reported Apr 28
    		$0.14$0.12+21.28%Beat+549.1%
    Dec 20
    Reported Feb 3
    		$0.09$0.07+25.39%Beat-32.2%
    Sep 20
    Reported Oct 26
    		$0.12$0.13-0.32%Miss-7.4%
    Jun 20
    Reported Jul 29
    		$0.10$0.03+229.67%Beat-26.1%
    Mar 20
    Reported Apr 28
    		$0.02N/A-56.80%Miss-82.6%
    Dec 19
    Reported Jan 29
    		$0.13$0.10+31.20%Beat-1.0%
    Sep 19
    Reported Oct 31
    		$0.13$0.13+3.54%Beat+3.3%
    Jun 19
    Reported Jul 23
    		$0.13$0.12+11.50%Beat-0.3%
    Mar 19
    Reported Apr 30
    		$0.12$0.14-11.14%Miss-17.1%
    Dec 18
    Reported Jan 29
    		$0.13$0.14-5.36%Miss-4.2%
    Sep 18
    Reported Oct 31
    		$0.13$0.14-6.93%Miss-5.6%
    Jun 18
    Reported Jul 25
    		$0.13$0.13+3.23%Beat-44.1%
    Mar 18
    Reported Apr 24
    		$0.15$0.16-6.25%Miss+7.5%
    Dec 17
    Reported Jan 31
    		$0.14N/AN/ABeat+19.0%
    Sep 17
    Reported Oct 26
    		$0.14N/AN/ABeat-
    Jun 17
    Reported Jul 28
    		$0.24N/AN/ABeat-
    Mar 17
    Reported Apr 26
    		$0.14N/AN/ABeat-
    Dec 16
    Reported Jan 25
    		$0.12N/AN/ABeat-

    Dividends

    Dividend Metrics

    Forward Yield2.06%
    Forward Annual Dividend$0.28
    Payout Ratio22.41%
    FrequencySemi-Annual
    Pay MonthsMay, Nov

    Growth

    3Y CAGR+31.95%
    5Y CAGR+16.44%
    SAN dividend history and ex-dividend datesRun SAN in the free DRIP calculator

    Key Metrics

    Valuation
    P/E RatioN/AEV/EBITDA17.86x
    Price/FCFN/AFCF YieldN/A
    Profitability
    Profit Margin33.50%Operating Margin43.40%
    ROE13.10%ROIC3.01%
    Financial Health
    Debt/Equity3.18xInterest Coverage0.31x
    Current RatioN/AQuick RatioN/A
    Trading Statistics
    Beta0.94Avg Volume8.50M
    52-Week High$15.0552-Week Low$9.41

    Technical Indicators Dashboard

    Moving Averages

    SMA 10$13.60
    SMA 20$14.00
    SMA 50$14.39
    SMA 200$12.83
    EMA 10$13.69
    EMA 20$13.91
    EMA 50$14.07
    EMA 200$12.82

    MACD

    Line: -0.26Signal: -0.21Hist: -0.05

    ADX

    ADX: 23.3+DI: 23.1-DI: 37.8

    Aroon & PSAR

    Aroon UpN/A
    Aroon Down72.0
    PSAR$13.20

    Bollinger Bands

    Upper Band$14.92
    Lower Band$13.08
    %B Position1314%(Upper)
    Band Width0.26

    RSI (14-Day)

    Neutral
    40.9

    Momentum Oscillators

    Stoch %K28.2
    Stoch %D26.9
    Williams %R-67.0
    ROC (10d)-4.5%
    Momentum-0.64
    CCI (20d)-67.6
    MFI (14d)48.0

    Volatility Measures

    ATR (14d)$0.32(2.3%)
    StdDev (20d)0.46
    Hist Vol32.8%(Moderate)

    Volume Flow

    VWAP$13.60
    OBV49.2M
    AD Line-2.3B
    CMF (20d)0.009

    Volume Metrics

    Avg Vol (20d)8.5M
    Vol Ratio1.2x
    VWMA (20d)$13.96

    Pivot Points

    R3$13.78
    R2$13.72
    R1$13.60
    Pivot Point$13.54
    S1$13.42
    S2$13.36
    S3$13.24

    Advanced Oscillators

    TSI-17.36
    Ultimate Osc51.0
    KST-63.75

    Financial Data

    QuarterJun 2026Mar 2026Dec 2025Sep 2025Sep 2025Jun 2025Mar 2025Dec 2024Sep 2024Jun 2024Mar 2024Dec 2023
    Total Revenue$33.48B$29.68B$14.98B$12.10B$12.10B$14.33B$31.58B$15.81B$14.94B$15.49B$34.38B$14.40B
    Cost of Revenue$20.07B$17.42B$3.17B$2.43B$2.43B$3.45B$18.65B$3.12B$2.95B$3.44BN/A$3.48B
    Gross Profit$13.41B$12.26B$11.80B$9.67B$9.67B$10.88B$12.93B$12.69B$11.99B$12.05B$34.38B$10.92B
    Operating Expenses$8.56B$7.23B$6.88B$5.70B$5.70B$6.47B$7.74B$8.09B$7.08B$7.12B$4.05B$7.00B
    R&D$0$0$0$0$0$0$0$0$0$0$0$0
    SG&A$3.62B$4.88B$5.58B$4.46B$4.46B$5.30B$5.15B$5.46B$5.09B$5.10B$5.24B$5.25B
    Operating Income$4.85B$5.03B$4.92B$3.98B$3.98B$4.42B$5.19B$4.60B$4.92B$4.92B$4.71B$3.92B
    Interest Income$11.69B$25.25B$10.79B$10.35B$8.84B$10.59B$26.90B$11.99B$11.22B$11.47B$29.24B$11.12B
    Interest Expense$15.65B$14.23B$15.53B$0$0$9.60B$15.53B$0$0$17.26B$17.26B$0
    Income Before Tax$4.85B$5.03B$4.92B$3.98B$3.98B$4.42B$5.19B$4.60B$4.92B$4.92B$4.46B$3.92B
    Income Tax Expense$1.21B$1.25B$1.16B$1.02B$1.02B$1.04B$1.45B$1.04B$1.33B$1.45B$1.47B$724.00M
    Net Income$3.58B$5.46B$3.76B$2.99B$2.99B$3.43B$3.40B$3.27B$3.25B$3.21B$2.85B$2.93B
    EBITDA$4.85B$5.86B$5.68B$4.77B$4.66B$5.22B$6.04B$5.42B$5.73B$5.75B$5.29B$4.70B
    EBITN/A$5.03B$4.92B$3.98B$3.98B$4.42B$5.19B$4.60B$4.92B$4.92B$4.46B$3.92B
    * Some calculated fields are derived from available data when not provided by source

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    News

    Banco Santander to Redeem and Cancel EUR 1.2B and USD 3.8B Export Finance Covered Bonds on October 19, 2026

    Banco Santander, S.A. has announced its plan to fully redeem and cancel two series of export finance covered bonds totaling EUR 1.2 billion and USD 3.8 billion...

    Kalkine Media•10/15/26•Neutral

    A full note series is slated for redemption by Banco Santander (SAN); backup withholding may apply.

    Banco Santander (SAN) announced its decision to fully redeem its Series 199 6.527% Senior Preferred Callable Fixed-To-Fixed Rate Notes due 2027. U.S. persons may be subject to backup withholding on redemption payments...

    Stock Titan•10/15/26•Neutral

    Form 6-K Banco Santander, S.A. For: Oct 15

    Banco Santander, S.A. has filed a Form 6-K with the SEC, announcing the redemption of its Series 199 6.527% Senior Preferred Callable Fixed-To-Fixed Rate Notes due 2027. The full redemption of $1,000,000,000 in aggregate...

    StreetInsider•10/15/26•Neutral

    REG - Banco Santander S.A. - Buyback programme: transactions 8-14oct

    Banco Santander S.A. has communicated transactions made under its share buyback program between October 8 and 14, 2026. The bank has purchased 6.1 million shares across various trading venues...

    TradingView•10/15/26•Bullish

    All bonds in Banco Santander (SAN)'s planned redemption are held by the bank itself.

    Banco Santander (SAN) plans to redeem and cancel €1.2 billion and $3.8 billion in Export Finance Covered Bonds (Series 2 and Series 3 respectively) on October 19...

    Stock Titan•10/15/26•Neutral

    SAN Valuation and Fair Value

    Forward P/E
    10.3x
    EV/EBITDA
    17.9x
    PEG
    0.9x
    P/B
    1.6x
    See GNG's fair value

    SAN Profitability: Margins, ROIC and FCF

    Gross margin
    52.4%
    Operating margin
    43.4%
    Net margin
    33.5%
    ROIC
    3.0%
    ROE
    13.1%
    FCF margin
    -17.3%

    SAN Competitors

    CompanyTicker
    Citigroup Inc.C
    Toronto Dominion BankTD
    American Express CompanyAXP
    BlackRock IncBLK
    Wells Fargo & CompanyWFC
    Charles Schwab CorpSCHW
    Mitsubishi UFJ Financial Group Inc ADRMUFG
    Sumitomo Mitsui Financial Group IncSMFG

    Sector: Financial Services

    SAN Analyst Ratings

    Consensus
    Buy
    Analysts
    3
    Strong Buy
    1
    Buy
    0
    Hold
    2
    Sell
    0
    Strong Sell
    0

    SAN Bull Case vs Bear Case

    Bull case

    • SAN has a 33.5% net profit margin.
    • SAN grew quarterly revenue 10.2% year over year.

    Bear case

    • SAN beat EPS estimates in 37.5% of its last 8 reported quarters.
    • SAN has a debt-to-equity ratio of 3.2x.

    SAN Earnings: Beat Rate and Next Report

    Beat rate
    3 of 8 quarters (37.5%)
    Average surprise
    1.0%
    EPS estimate (fiscal period ending Sep 30, 2026)
    $0.31
    Estimate revisions (30 days, fiscal period ending Sep 30, 2026)
    0 up, 1 down

    SAN Dividend

    Forward yield
    2.1%
    Payout ratio
    22.4%
    3Y DPS growth
    32.0%
    5Y DPS growth
    16.4%
    Pay months
    May, Nov
    SAN dividend history

    Frequently Asked Questions About SAN

    What is SAN's current dividend yield?

    Banco Santander SA ADR (SAN) has a forward dividend yield of 2.06%.

    Does SAN pay dividends?

    Yes, Banco Santander SA ADR pays dividends with a forward dividend yield of 2.06%.

    What is SAN's market cap?

    Banco Santander SA ADR (SAN) has a market capitalization of $195.90B with a current stock price of $13.55.

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