Banco Santander S.A. - ADR
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+ FollowMarket Cap$175.49B
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Earnings Call Q1 2025
April 30, 2025 - AI Summary
Strong Q1 2025 Performance: Santander reported a record profit of €3.4 billion for Q1 2025, marking a 19% increase from Q1 2024. All business segments exhibited growth, underscoring the strength of the group's diversified business model.
Net Interest Income (NII) Outlook: The bank anticipates stable NII even with lower interest rate expectations, projecting a slight increase in constant euros year-on-year. Guidance remains at a normalized end rate of around 1.5% by the end of 2025, with retail NII expected to be resilient despite potential declines in net interest margin (NIM).
Cost Efficiency and Transformation: Santander is committed to reducing costs in current euros for 2025, with Q1 expenses growing below revenue and inflation rates. The efficiency ratio improved to 14.8%, demonstrating effective management and operational leverage, which is key to maintaining profitability in a challenging environment.
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$-12.42
202.9% downside
Current Fair Value
202.9% downsideOvervalued by 202.9% based on the discounted cash flow analysis.
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Share Statistics
| Market cap | $175.49 Billion |
|---|---|
| Enterprise Value | $488.20 Billion |
| Annual dividend | $0.29 |
| Dividend yield | 2.49% |
| Earnings per Share | $0.88 |
| Beta | 0.94 |
| Outstanding Shares | 14,545,406,000 |
Return
| Return on Equity | 14.38% |
|---|---|
| Return on Assets | 0.80% |
| Return on Invested Capital | 0.91% |
Valuation & Multiples
| P/E Ratio | 9.12 |
|---|---|
| PEG | 4.9 |
| Price to Sales | 1.72 |
| Price to Book Ratio | 1.72 |
| Enterprise Value to Revenue | 4.38 |
| Enterprise Value to EBIT | 27.46 |
| Enterprise Value to Net Income | 31 |
| Total Debt to Enterprise | 0.92 |
| Debt to Equity | 4.12 |
Revenue Sources
No data
Last Earnings Call
Report Date
October 28, 2026
EPS Estimate
$0.26
Consensus analyst estimateRevenue Estimate
$18.14 B
Consensus analyst estimateNext Earnings Call
Expected Date
February 2, 2027
EPS Estimate
$0.27
Consensus analyst estimateRevenue Estimate
$18.70 B
Consensus analyst estimateInstitutional Put/Call Ratio
Compares institutional put options with call options. At 0.00, the ratio is below 1, so institutions hold more calls than puts.
| Put/Call Ratio | 0.0000▼ 70.67% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.24%▼ 3.20% |
|---|---|
| Total Invested | $496.28M▼ 92.89% |
| Investors Holding | 290▼ 383.00% |
About Banco Santander S.A.
198,403 employees
CEO: Hector Blas Grisi Checa
Banco Santander, S.A. operates as a prominent global financial institution, delivering an extensive suite of retail and commercial banking solutions. Its services cater to a diverse range of clients, from individual customers and small t...