Banco Santander S.A. - ADR
SAN
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+ FollowMarket Cap$188.46B
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Earnings Call Q1 2025
April 30, 2025 - AI Summary
Strong Q1 2025 Performance: Santander reported a record profit of €3.4 billion for Q1 2025, marking a 19% increase from Q1 2024. All business segments exhibited growth, underscoring the strength of the group's diversified business model.
Net Interest Income (NII) Outlook: The bank anticipates stable NII even with lower interest rate expectations, projecting a slight increase in constant euros year-on-year. Guidance remains at a normalized end rate of around 1.5% by the end of 2025, with retail NII expected to be resilient despite potential declines in net interest margin (NIM).
Cost Efficiency and Transformation: Santander is committed to reducing costs in current euros for 2025, with Q1 expenses growing below revenue and inflation rates. The efficiency ratio improved to 14.8%, demonstrating effective management and operational leverage, which is key to maintaining profitability in a challenging environment.
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$-12.42
196.7% downside
Current Fair Value
196.7% downsideOvervalued by 196.7% based on the discounted cash flow analysis.
Share Statistics
| Market cap | $188.46 Billion |
|---|---|
| Enterprise Value | $501.18 Billion |
| Dividend Yield | $0.30 (2.09%) |
| Earnings per Share | $0.88 |
| Beta | 0.94 |
| Outstanding Shares | 14,677,923,000 |
Return
| Return on Equity | 12.31% |
|---|---|
| Return on Assets | 0.69% |
| Return on Invested Capital | 0.67% |
Valuation & Multiples
| P/E Ratio | 10.37 |
|---|---|
| PEG | 143.35 |
| Price to Sales | 2.14 |
| Price to Book Ratio | 1.83 |
| Enterprise Value to Revenue | 5.44 |
| Enterprise Value to EBIT | 38.16 |
| Enterprise Value to Net Income | 37 |
| Total Debt to Enterprise | 0.9 |
| Debt to Equity | 4.12 |
Revenue Sources
No data
Insider Trades
Last Earnings Call
Report Date
July 29, 2026
EPS Estimate
$0.30
Average shareholder expectationRevenue Estimate
$17.78 B
Average shareholder expectationNext Earnings Call
Expected Date
October 28, 2026
EPS Estimate
$0.26
Average shareholder expectationRevenue Estimate
$18.14 B
Average shareholder expectationInstitutional Put/Call Ratio
Market sentiment based on institutional option activity.
| Put/Call Ratio | 0.0000▼ 70.67% |
|---|---|
| Total Calls | -▼ 100.00% |
| Total Puts | -▼ 100.00% |
Institutional Ownership
Holdings and activity of institutional investors.
| Ownership % | 0.18%▼ 3.27% |
|---|---|
| Total Invested | $366.16M▼ 94.76% |
| Investors Holding | 199▼ 474.00% |
ESG Score
No data
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...