Santander Group/$SAN
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Capital at risk
About Santander Group
Santander runs five global businesses: retail and commercial banking, corporate and investment banking, wealth management and insurance, payments, and a digital platform Openbank. Spain is the largest single profit contributor, followed by Brazil, the United States, Mexico and the United Kingdom.
- Ticker
- $SAN
- Sector
- Finance
- Primary listing
- NYSE
- Employees
- 185,279
- Headquarters
- Madrid, Spain
- Website
- www.santander.com
Santander Group Metrics
BasicAdvanced
$206B
11.76
$1.21
0.93
$0.20
1.48%
Price and volume
Market cap
$206B
Beta
0.93
52-week high
$15.05
52-week low
$9.62
Average daily volume
14M
Dividend rate
$0.20
Financial strength
Dividend payout ratio (TTM)
21.54%
Profitability
Net profit margin (TTM)
33.46%
Operating margin (TTM)
42.33%
Effective tax rate (TTM)
24.56%
Revenue per employee (TTM)
$295,650
Management effectiveness
Return on assets (TTM)
0.78%
Return on equity (TTM)
13.11%
Valuation
Price to earnings (TTM)
11.762
Price to revenue (TTM)
3.732
Price to book
1.64
Price to tangible book (TTM)
1.98
Price to free cash flow (TTM)
-4.185
Free cash flow yield (TTM)
-23.89%
Free cash flow per share (TTM)
-3.412
Dividend yield (TTM)
1.40%
Forward dividend yield
1.48%
Growth
Revenue change (TTM)
-3.24%
Earnings per share change (TTM)
28.40%
3-year revenue growth (CAGR)
4.18%
3-year earnings per share growth (CAGR)
23.29%
10-year earnings per share growth (CAGR)
14.35%
3-year dividend per share growth (CAGR)
-3.82%
10-year dividend per share growth (CAGR)
2.70%
What the Analysts think about Santander Group
Analyst ratings (Buy, Hold, Sell) for Santander Group stock.
Analyst projections of the future price of Santander Group stock.
Bulls say / Bears say
The bank had a 14.0% CET1 ratio at June and has executed or approved about €9 billion of share buybacks towards its €10 billion 2025–26 target. Combined with higher cash dividends, this gives shareholders a clear route to returns while leaving capital above the operating range. (Santander, Santander)
The TSB acquisition adds more than four million customers, a strong deposit base and a low-risk mortgage book, with at least £400 million of expected cost synergies. If Santander integrates TSB and Webster well, the enlarged US and UK franchises could support its longer-term target of more than €20 billion in annual profit by 2028. (Santander, Santander)
Brazil delivered its weakest quarterly profit since late 2023: net profit fell 17.6% year on year to 3.01 billion reais, as tighter lending spreads and higher provisions hurt returns. Management expects provisions to remain under pressure in the near term, so this key market may continue to drag on group growth. (Reuters, Valor International)
The TSB deal already reduced CET1 by 55 basis points and brought €250 million of restructuring costs in the second quarter, while the group also booked UK motor-finance complaint provisions. Further integration or compensation charges could offset the earnings and capital benefits promised by the acquisitions. (Santander, Reuters)
Credit costs are becoming less uniform across the group: Argentina provisions rose more than fourfold in the first quarter, while Openbank's cost of risk was above 2% in the first half. Even with the group ratio broadly stable, further stress in emerging-market or consumer portfolios could absorb the capital earmarked for buybacks. (Reuters, Santander)
Data summarised monthly by Lightyear AI. Last updated on 18 Sept 2026.
Santander Group Financial Performance
Revenues and expenses
Santander Group Earnings Performance
Company profitability
Upcoming events
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