Stocktoria
Banco Santander, S.A. SAN.MC
Banco Santander, S.A. statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (€12.11); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
Banco Santander, S.A. trades at about 14.3× earnings — above its 10-year norm (10-year range 5.7×–12×, median 6.5×).
Shaded band = 10-year range (5.7×–12×); dot = today's 14.3×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 23.5% | 20.9% | 19.5% | 17.7% |
| FCF margin | -37.5% | -57.6% | -15.2% | 31.1% |
| Return on assets | 0.8% | 0.7% | 0.6% | 0.6% |
| Return on equity | 13.7% | 12.8% | 11.6% | 10.8% |
| Debt / equity | 2.75× | 3.30× | 3.23× | 3.15× |
Computed from company filings · ES · as of 2025-12-31. Figures in EUR. Facts plus Stocktoria's own computed scores — not investment advice.