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STOCKS

Banco Santander (BCDRF)

OTHER OTC:BCDRF

BCDRF

Banco Santander

RESEARCH TOOLSreports

Banco Santander (BCDRF) Ratios

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143 Followers

Banco Santander Ratios

BCDRF's free cash flow for Q4 2025 was €0.41. For the 2025 fiscal year, BCDRF's free cash flow was decreased by € and operating cash flow was €0.16. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	2.57	2.57	0.19	0.55	21.18
Quick Ratio	2.57	2.57	0.19	0.89	55.96
Cash Ratio	0.94	0.94	0.17	0.31	21.18
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.51	0.51	-0.02	0.07	2.63
Short-Term Operating Cash Flow Coverage	0.00	0.40	-0.13	1.74	0.00
Net Current Asset Value	€ -1.34T	€ -1.34T	€ -1.48T	€ -1.10T	€ -1.41T
Leverage Ratios
Debt-to-Assets Ratio	0.25	0.25	0.26	0.17	0.16
Debt-to-Equity Ratio	4.47	4.47	4.90	3.26	3.18
Debt-to-Capital Ratio	0.82	0.82	0.83	0.77	0.76
Long-Term Debt-to-Capital Ratio	0.82	0.82	0.75	0.73	0.76
Financial Leverage Ratio	18.10	18.10	18.63	18.83	19.47
Debt Service Coverage Ratio	1.13	0.05	0.07	0.14	0.42
Interest Coverage Ratio	1.22	0.31	0.29	0.26	0.45
Debt to Market Cap	3.24	4.49	6.96	4.96	5.94
Interest Debt Per Share	32.09	35.03	35.45	23.06	18.74
Net Debt to EBITDA	13.81	15.99	11.95	-1.01	3.28
Profitability Margins
Gross Profit Margin	67.01%	40.05%	100.79%	102.60%	100.00%
EBIT Margin	26.03%	15.03%	37.25%	35.96%	36.36%
EBITDA Margin	31.96%	16.14%	43.73%	42.91%	43.47%
Operating Profit Margin	27.00%	15.58%	37.25%	34.93%	35.18%
Pretax Profit Margin	27.11%	15.03%	37.46%	35.96%	36.36%
Net Profit Margin	20.13%	11.76%	24.75%	24.20%	22.90%
Continuous Operations Profit Margin	20.20%	11.09%	27.06%	26.61%	25.66%
Net Income Per EBT	74.24%	78.27%	66.09%	67.29%	62.98%
EBT Per EBIT	100.41%	96.44%	100.55%	102.95%	103.35%
Return on Assets (ROA)	0.76%	0.76%	0.68%	0.62%	0.55%
Return on Equity (ROE)	13.89%	13.67%	12.75%	11.61%	10.78%
Return on Capital Employed (ROCE)	1.11%	1.10%	3.58%	2.23%	0.86%
Return on Invested Capital (ROIC)	0.85%	0.73%	1.89%	1.20%	3.93%
Return on Tangible Assets	0.76%	0.76%	0.69%	0.62%	0.56%
Earnings Yield	9.78%	9.42%	18.19%	17.79%	20.36%
Efficiency Ratios
Receivables Turnover	0.00	0.00	4.45	4.31	4.56
Payables Turnover	16.95	28.52	32.07	22.53	14.44
Inventory Turnover	0.00	0.00	0.00	-0.20	-0.12
Fixed Asset Turnover	6.01	10.28	1.63	1.39	1.27
Asset Turnover	0.04	0.06	0.03	0.03	0.02
Working Capital Turnover Ratio	-0.28	-0.30	-0.07	-0.33	0.20
Cash Conversion Cycle	-21.53	-12.80	70.72	-1.72K	-3.01K
Days of Sales Outstanding	0.00	0.00	82.10	84.70	80.05
Days of Inventory Outstanding	0.00	0.00	0.00	-1.79K	-3.06K
Days of Payables Outstanding	21.53	12.80	11.38	16.20	25.29
Operating Cycle	0.00	0.00	82.10	-1.71K	-2.98K
Cash Flow Ratios
Operating Cash Flow Per Share	5.62	5.62	-1.56	4.98	1.64
Free Cash Flow Per Share	5.22	5.22	-2.11	4.14	1.00
CapEx Per Share	0.39	0.39	0.55	0.84	0.64
Free Cash Flow to Operating Cash Flow	0.93	0.93	1.35	0.83	0.61
Dividend Paid and CapEx Coverage Ratio	9.08	9.08	-2.10	5.07	2.18
Capital Expenditure Coverage Ratio	14.27	14.27	-2.84	5.91	2.56
Operating Cash Flow Coverage Ratio	0.18	0.18	-0.05	0.26	0.10
Operating Cash Flow to Sales Ratio	1.19	0.70	-0.48	1.76	0.66
Free Cash Flow Yield	54.55%	51.87%	-47.24%	107.48%	35.75%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.23	10.62	5.50	5.62	4.91
Price-to-Sales (P/S) Ratio	2.03	1.25	1.36	1.36	1.12
Price-to-Book (P/B) Ratio	1.40	1.45	0.70	0.65	0.53
Price-to-Free Cash Flow (P/FCF) Ratio	1.83	1.93	-2.12	0.93	2.80
Price-to-Operating Cash Flow Ratio	1.73	1.79	-2.86	0.77	1.70
Price-to-Earnings Growth (PEG) Ratio	1.50	0.58	0.30	0.28	0.22
Price-to-Fair Value	1.40	1.45	0.70	0.65	0.53
Enterprise Value Multiple	20.17	23.73	15.06	2.16	5.87
Enterprise Value	451.69B	459.03B	334.60B	42.35B	107.06B
EV to EBITDA	20.17	23.73	15.06	2.16	5.87
EV to Sales	6.45	3.83	6.59	0.93	2.55
EV to Free Cash Flow	5.81	5.91	-10.25	0.63	6.35
EV to Operating Cash Flow	5.41	5.50	-13.85	0.53	3.86
Tangible Book Value Per Share	6.42	6.42	5.68	5.22	4.69
Shareholders’ Equity Per Share	6.94	6.94	6.36	5.90	5.29
Tax and Other Ratios
Effective Tax Rate	0.26	0.26	0.28	0.26	0.29
Revenue Per Share	4.71	8.06	3.28	2.83	2.49
Net Income Per Share	0.95	0.95	0.81	0.68	0.57
Tax Burden	0.74	0.78	0.66	0.67	0.63
Interest Burden	1.04	1.00	1.01	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.27	0.17	0.43	0.46	0.47
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	6.65	6.65	-1.92	7.27	2.57

Currency in EUR