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Banco Santander (GB:BNC)
LSE:BNC
UK Market
BNC
Banco Santander
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Banco Santander (BNC) Ratios

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Banco Santander Ratios

GB:BNC's free cash flow for Q4 2025 was €0.41. For the 2025 fiscal year, GB:BNC'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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 1.77 0.19 0.55 21.18
Quick Ratio
 0.00 1.77 0.19 0.89 55.96
Cash Ratio
 0.00 0.59 0.17 0.31 21.18
Solvency Ratio
 0.01 <0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
 0.00 0.32 -0.02 0.07 2.63
Short-Term Operating Cash Flow Coverage
 0.00 0.32 -0.13 1.74 0.00
Net Current Asset Value
€ -1.61T€ -1.30T€ -1.48T€ -1.10T€ -1.41T
Leverage Ratios
Debt-to-Assets Ratio
 0.23 0.28 0.26 0.17 0.16
Debt-to-Equity Ratio
 4.09 5.05 4.90 3.26 3.18
Debt-to-Capital Ratio
 0.80 0.83 0.83 0.77 0.76
Long-Term Debt-to-Capital Ratio
 0.80 0.73 0.75 0.73 0.76
Financial Leverage Ratio
 17.51 18.10 18.63 18.83 19.47
Debt Service Coverage Ratio
 1.23 0.05 0.07 0.14 0.42
Interest Coverage Ratio
 1.32 0.31 0.29 0.26 0.45
Debt to Market Cap
 2.91 3.62 6.96 4.96 5.94
Interest Debt Per Share
 30.52 39.01 35.45 23.06 18.74
Net Debt to EBITDA
 13.35 19.05 11.95 -1.01 3.28
Profitability Margins
Gross Profit Margin
52.30%40.05%100.79%102.60%100.00%
EBIT Margin
20.93%15.03%37.25%35.96%36.36%
EBITDA Margin
25.09%16.14%43.73%42.91%43.47%
Operating Profit Margin
21.30%15.58%37.25%34.93%35.18%
Pretax Profit Margin
20.93%15.03%37.46%35.96%36.36%
Net Profit Margin
18.26%11.76%24.75%24.20%22.90%
Continuous Operations Profit Margin
15.68%11.09%27.06%26.61%25.66%
Net Income Per EBT
87.21%78.27%66.09%67.29%62.98%
EBT Per EBIT
98.26%96.44%100.55%102.95%103.35%
Return on Assets (ROA)
0.87%0.76%0.68%0.62%0.55%
Return on Equity (ROE)
15.73%13.67%12.75%11.61%10.78%
Return on Capital Employed (ROCE)
1.02%1.16%3.58%2.23%0.86%
Return on Invested Capital (ROIC)
0.76%0.74%1.89%1.20%3.93%
Return on Tangible Assets
0.88%0.76%0.69%0.62%0.56%
Earnings Yield
10.82%9.42%18.19%17.79%20.36%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 4.45 4.31 4.56
Payables Turnover
 0.00 28.52 32.07 22.53 14.44
Inventory Turnover
 0.00 0.00 0.00 -0.20 -0.12
Fixed Asset Turnover
 7.53 10.28 1.63 1.39 1.27
Asset Turnover
 0.05 0.06 0.03 0.03 0.02
Working Capital Turnover Ratio
 0.53 -0.28 -0.07 -0.33 0.20
Cash Conversion Cycle
 0.00 -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
 0.00 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
 5.69 5.62 -1.56 4.98 1.64
Free Cash Flow Per Share
 5.29 5.22 -2.11 4.14 1.00
CapEx Per Share
 0.40 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
 0.19 0.16 -0.05 0.26 0.10
Operating Cash Flow to Sales Ratio
 0.94 0.70 -0.48 1.76 0.66
Free Cash Flow Yield
52.03%51.87%-47.24%107.48%35.75%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.24 10.62 5.50 5.62 4.91
Price-to-Sales (P/S) Ratio
 1.69 1.25 1.36 1.36 1.12
Price-to-Book (P/B) Ratio
 1.41 1.45 0.70 0.65 0.53
Price-to-Free Cash Flow (P/FCF) Ratio
 1.92 1.93 -2.12 0.93 2.80
Price-to-Operating Cash Flow Ratio
 1.79 1.79 -2.86 0.77 1.70
Price-to-Earnings Growth (PEG) Ratio
 0.30 0.58 0.30 0.28 0.22
Price-to-Fair Value
 1.41 1.45 0.70 0.65 0.53
Enterprise Value Multiple
 20.08 26.78 15.06 2.16 5.87
Enterprise Value
 445.79B 518.20B 334.60B 42.35B 107.06B
EV to EBITDA
 20.08 26.78 15.06 2.16 5.87
EV to Sales
 5.04 4.32 6.59 0.93 2.55
EV to Free Cash Flow
 5.74 6.67 -10.25 0.63 6.35
EV to Operating Cash Flow
 5.34 6.20 -13.85 0.53 3.86
Tangible Book Value Per Share
 6.47 6.42 5.68 5.22 4.69
Shareholders’ Equity Per Share
 7.22 6.94 6.36 5.90 5.29
Tax and Other Ratios
Effective Tax Rate
 0.25 0.26 0.28 0.26 0.29
Revenue Per Share
 6.03 8.06 3.28 2.83 2.49
Net Income Per Share
 1.10 0.95 0.81 0.68 0.57
Tax Burden
 0.87 0.78 0.66 0.67 0.63
Interest Burden
 1.00 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
 0.20 0.18 0.44 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