Banco Santander (SAN.MC) valuation

Run six valuation models on Banco Santander with live data: DCF, Reverse DCF, Graham number, Monte Carlo, scenarios and sum-of-the-parts (NAV).

SAN.MC
SAN.MC

Banco Santander

SAN.MC · Financial Services

Current price

12,91 €

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Valuation

Market cap
€184.21B
PE (TTM | NTM | +1y)
14.67 | 10.36 | 10.36
Price / Sales
3.80
EV / EBITDA
Price / Book
1.69

Cash flow

FCF yield
SBC-adjusted FCF yield
SBC impact

Margins & growth

Profit margin
+33.46%
Operating margin
+43.44%
Quarterly earnings (YoY)
+2.54%
Quarterly revenue (YoY)
+8.28%

Balance

Cash
€315.34B
Debt
€404.83B
Net position
-€89.49B

Dividend

Dividend yield
+1.95%
Payout ratio
+25.45%
Next payout
4/30/2026

Price (1 year)

+56.62%
€12.91

Revenue

estimate
Q2 25: €14.33BQ2 25Q3 25: €14.18BQ3 25Q4 25: €14.98BQ4 25Q1 26: €15.44BQ1 26Q2 26: €15.52BQ2 26Q3 26 · estimate: €16.49BQ3 26€16.49B

Net income

Q2 25: €3.43BQ2 25Q3 25: €3.5BQ3 25Q4 25: €3.76BQ4 25Q1 26: €5.46BQ1 26Q2 26: €3.52BQ2 26€5.46B

EPS

Q4 24: 0.20Q4 24Q1 25: 0.21Q1 25Q2 25: 0.22Q2 25Q4 25: 0.24Q4 25Q1 26: 0.36Q1 260.36

Cash & debt

CashDebt
Q2 25 · Cash: €209.05BQ2 25 · Debt: €311.96BQ2 25Q3 25 · Cash: €281.37BQ3 25 · Debt: €316.62BQ3 25Q4 25 · Cash: €179.3BQ4 25 · Debt: €326.21BQ4 25Q1 26 · Cash: €271.4BQ1 26 · Debt: €328.62BQ1 26Q2 26 · Cash: €267.56BQ2 26 · Debt: €348.07BQ2 26€348.07B

Shares outstanding

Q4 24: 16.33BQ4 24Q1 25: 16.2BQ2 25: 14.88BQ2 25Q3 25: 14.82BQ4 25: 14.68BQ4 25Q1 26: 14.43BQ2 26: 14.32BQ2 2616.33B

Operating expenses

R&DSG&A
Q2 25 · SG&A: €5.3BQ2 25Q3 25 · SG&A: €5.22BQ3 25Q4 25 · SG&A: €5.58BQ4 25Q1 26 · SG&A: €5BQ1 26Q2 26 · SG&A: €5.57BQ2 26€5.58B

Source: Yahoo Finance. Quarterly history grows automatically over time as new quarters are published.

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