SAN · CIK 0000891478
Banco Santander, S.A.
Annual figures as reported, FY2015–FY2025. Ratios and growth rates derived on-page.
Commercial Banks, NEC
Company profile
Net income
€15.5B
▲ +12.8% vs FY2024
Free cash flow
−€20.7B
▲ +36.6% vs FY2024
Diluted EPS
€0.90
▲ +17.2% vs FY2024
Net income
Losses shown in terracotta
Profitability & returns
quality of earningsReturns on capital
Net income vs year-end equity and assets
Return on equityReturn on assets
Cash flow
cash generationFree cash flow
Operating cash flow less capital expenditure
Operating cash flow
Net cash from operations
Shareholder returns
capital allocationCapital returned
Cash paid out as dividends and share repurchases
Dividends paid
Diluted shares outstanding
Falling count means buybacks outpace dilution
Balance sheet
financial positionStockholders’ equity
At fiscal year end
Growth rates
compounding, annualizedNet income CAGR
+12.9%
3y
+7.8%
10y
Diluted EPS CAGR
+18.8%
3y
+8.6%
10y
Share count change (split-adjusted)
−13.5%
5y
+4.2%
10y
Key ratios
derived per fiscal year| Fiscal year | ROE | ROA |
|---|---|---|
| FY2025 | 13.7% | 0.8% |
| FY2024 | 12.8% | 0.7% |
| FY2023 | 11.7% | 0.7% |
| FY2022 | 11.0% | 0.6% |
| FY2021 | 9.9% | 0.6% |
| FY2020 | −7.0% | −0.5% |
| FY2019 | 7.6% | 0.5% |
| FY2018 | 8.8% | 0.6% |
| FY2017 | 7.1% | 0.6% |
| FY2016 | 7.1% | 0.6% |
| FY2015 | — | — |
Annual figures
as reported| Fiscal year | Revenue | Gross profit | Op. income | Net income | Diluted EPS | Op. cash flow | Capex | Total assets | Liabilities | Equity | Cash | LT debt |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| FY2025 | — | €58.7B | — | €15.5B | €0.90 | −€14.8B | €5.9B | €1.87T | €1.75T | €112.7B | €96.9B | — |
| FY2024 | — | €58.4B | — | €13.7B | €0.77 | −€24.2B | €8.5B | €1.84T | €1.73T | €107.3B | €87.8B | — |
| FY2023 | — | €54.3B | — | €12.2B | €0.65 | €5.0B | €11.4B | €1.80T | €1.69T | €104.2B | €107.1B | — |
| FY2022 | — | €52.1B | — | €10.8B | €0.54 | €27.7B | €9.1B | €1.73T | €1.64T | €97.6B | €130.5B | — |
| FY2021 | — | €46.4B | — | €9.7B | €0.44 | €56.7B | €10.0B | €1.60T | €1.50T | €97.1B | €210.7B | — |
| FY2020 | — | €44.3B | — | −€7.7B | −€0.54 | €66.2B | €7.4B | €1.51T | €1.42T | €110.7B | €153.8B | — |
| FY2019 | — | €49.2B | — | €8.1B | €0.35 | €3.4B | €12.8B | €1.52T | €1.41T | €107.0B | €101.1B | — |
| FY2018 | — | €48.4B | — | €9.3B | €0.43 | €3.4B | €10.7B | €1.44T | €1.34T | €105.5B | €113.7B | — |
| FY2017 | — | — | — | €8.2B | €0.40 | €40.2B | €7.5B | €1.44T | €1.34T | €116.3B | — | — |
| FY2016 | — | — | — | €7.5B | €0.40 | €21.8B | €6.6B | €1.34T | €1.24T | €106.0B | — | — |
| FY2015 | — | — | — | €7.3B | €0.40 | €5.7B | €7.7B | — | — | — | — | — |
Latest filings
the most recent regulatory filings6-KForeign issuer report2026-07-02 ↗6-KForeign issuer report2026-06-25 ↗6-KFORM 6K2026-06-18 ↗6-KForeign issuer report2026-06-11 ↗SC TO-I/ASEC filing2026-06-10 ↗6-KForeign issuer report2026-06-10 ↗8-A12BSEC filing2026-06-04 ↗6-KForeign issuer report2026-06-04 ↗CERTNYSE CERTIFICATION2026-06-04 ↗6-KForeign issuer report2026-06-03 ↗
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