Banco Santander (SAN) Stock Price, News & Analysis

Company Overview

Banco Santander, S.A. (NYSE: SAN) is a leading global financial institution headquartered in Santander, Spain. Founded in 1857 to facilitate trade between Spain and Latin America, the bank has since evolved into one of Europe’s largest banking groups. Its universal banking model integrates retail, commercial, and investment banking under a single corporate structure, allowing for a diversified revenue stream and cross-border synergies.

The bank’s core business encompasses a broad range of financial services, including deposit-taking, lending, payments, wealth management, asset management, and insurance. In retail markets, Santander offers checking and savings accounts, personal and mortgage loans, credit and debit cards, and consumer finance solutions. For corporate and institutional clients, the bank provides treasury and cash management, trade finance, capital markets access, and advisory services, alongside specialized financing for large infrastructure and energy projects.

With operations in more than 30 countries across Europe and the Americas, Banco Santander maintains a well-balanced geographic footprint. Key markets include Spain, the United Kingdom, Portugal, Germany, and Poland in Europe, as well as Brazil, Mexico, Chile, and the United States, where its presence was bolstered by the acquisition of Sovereign Bank in 2009. The bank leverages digital platforms and mobile banking apps to enhance customer experience and extend its reach in both mature and emerging markets.

Under the leadership of Group Executive Chair Ana Patricia Botín since 2014, Santander has prioritized digital innovation and sustainable finance. Initiatives such as the digital-only Openbank platform and the expansion of green lending products reflect the bank’s commitment to technology and environmental, social, and governance (ESG) principles. Throughout its history, Santander’s growth strategy has combined organic expansion with strategic acquisitions, reinforcing its position as a major player in global banking.

Key Stats

• Today's Range: $9.89 to $10.05
• 50-Day Range: $8.30 to $10.09
• 52-Week Range: $4.43 to $10.09
• Volume: 2.94 million shs
• Average Volume: 5.49 million shs
• Market Capitalization: $149.52 billion
• P/E Ratio: 11.15
• Dividend Yield: 1.79%
• Price Target: N/A
• Consensus Rating: Moderate Buy

Banco Santander Stock Analysis - MarketRank™

Banco Santander scored higher than 68% of companies evaluated by MarketBeat, and ranked 716th out of 946 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: N/A
• Analyst Rating: N/A

Consensus Rating

There is not enough analysis data for Banco Santander.

Earnings and Valuation

• Score: 3.8 / 5
• Proj. Earnings Growth: 10.84%

Earnings Growth

Earnings for Banco Santander are expected to grow by 10.84% in the coming year, from $0.83 to $0.92 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Banco Santander is 11.15, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 280.41.

Price to Earnings Ratio vs. Sector

The P/E ratio of Banco Santander is 11.15, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 245.61.

Price to Earnings Growth Ratio

Banco Santander has a PEG Ratio of 0.81. PEG Ratios below 1 indicate that a company could be undervalued.

Price to Book Value per Share Ratio

Banco Santander has a P/B Ratio of 1.37. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.06% of the float of Banco Santander has been sold short.

Short Interest Ratio / Days to Cover

Banco Santander has a short interest ratio ("days to cover") of 1.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Banco Santander has recently increased by 13.64%, indicating that investor sentiment is decreasing significantly.

Dividend

• Score: 2.5 / 5
• Dividend Strength: Moderate

Dividend Yield

Banco Santander pays a meaningful dividend of 1.82%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Banco Santander does not have a long track record of dividend growth.

Dividend Coverage

The dividend payout ratio of Banco Santander is 20.00%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Banco Santander will have a dividend payout ratio of 19.57% next year. This indicates that Banco Santander will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.8 / 5
• Environmental Score: -0.85

Percentage of Shares Shorted

0.06% of the float of Banco Santander has been sold short.

Short Interest Ratio / Days to Cover

Banco Santander has a short interest ratio ("days to cover") of 1.5, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in Banco Santander has recently increased by 13.64%, indicating that investor sentiment is decreasing significantly.

News and Social Media

• Score: 2.1 / 5
• News Sentiment: 0.77

News Sentiment

Banco Santander has a news sentiment score of 0.77. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a lower news sentiment than the 1.06 average news sentiment score of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Banco Santander this week, compared to 12 articles on an average week.

Search Interest

9 people have searched for SAN on MarketBeat in the last 30 days. This is an increase of 13% compared to the previous 30 days.

MarketBeat Follows

Only 3 people have added Banco Santander to their MarketBeat watchlist in the last 30 days. This is a decrease of 0% compared to the previous 30 days.

Company Ownership

• Score: 0.0 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, Banco Santander insiders have not sold or bought any company stock.

Percentage Held by Insiders

Only 9.48% of the stock of Banco Santander is held by insiders.

Percentage Held by Institutions

Only 9.19% of the stock of Banco Santander is held by institutions.

SAN Stock Analysis - Frequently Asked Questions

How have SAN shares performed this year?

Banco Santander's stock was trading at $4.56 on January 1st, 2025. Since then, SAN stock has increased by 120.1% and is now trading at $10.0350.

How were Banco Santander's earnings last quarter?

Banco Santander, S.A. (NYSE:SAN) announced its quarterly earnings data on Wednesday, July, 30th. The bank reported $0.22 EPS for the quarter, missing analysts' consensus estimates of $0.26 by $0.04. The bank had revenue of $17.83 billion for the quarter, compared to the consensus estimate of $17.69 billion. Banco Santander had a net margin of 17.30% and a trailing twelve-month return on equity of 11.98%.
Read the conference call transcript.

Does Banco Santander have any subsidiaries?

The following companies are subsidiaries of Banco Santander: Amherst Pierpont, Wirecard (Technological Assets), Mercury TFS, Elavon Mexico, Ebury, Albert., Banco Popular, and others.

Who are Banco Santander's major shareholders?

Banco Santander's top institutional investors include Fisher Asset Management LLC (0.79%), Chevy Chase Trust Holdings LLC (0.10%), Arrowstreet Capital Limited Partnership (0.10%) and Lazard Asset Management LLC (0.05%).
View institutional ownership trends.

How do I buy shares of Banco Santander?

Shares of SAN stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Banco Santander own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Banco Santander investors own include BlackRock (BLK), UnitedHealth Group (UNH), The Goldman Sachs Group (GS), Broadcom (AVGO), ServiceNow (NOW), Illinois Tool Works (ITW) and Woodside Energy Group (WDS).

Company Calendar

• Last Earnings: 7/30/2025
• Today: 9/12/2025
• Next Earnings (Estimated): 11/04/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NYSE
• Sector: Finance
• Industry: BANKS - FOREIGN
• Sub-Industry: Banking
• Current Symbol: NYSE:SAN
• CIK: 891478
• Web: www.santander.com
• Phone: (491) 289-3280
• Fax: 34-91-257-1282
• Employees: 199,958
• Year Founded: 1857

Profitability

• EPS (Trailing Twelve Months): $0.90
• Trailing P/E Ratio: 11.21
• Forward P/E Ratio: 12.16
• P/E Growth: 0.81
• Net Income: $13.61 billion
• Net Margins: 17.30%
• Pretax Margin: 14.87%
• Return on Equity: 11.98%
• Return on Assets: 0.71%

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: 0.26
• Quick Ratio: 0.26

Sales & Book Value

• Annual Sales: $66.96 billion
• Price / Sales: 2.24
• Cash Flow: $1.10 per share
• Price / Cash Flow: 9.17
• Book Value: $7.34 per share
• Price / Book: 1.37

Miscellaneous

• Outstanding Shares: 14,885,330,000
• Free Float: 13,474,197,000
• Market Cap: $150.19 billion
• Optionable: Optionable
• Beta: 1.08