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Banco Santander SA (SAN)
NYSE:SAN
Earnings Data
Report Date
Jul 30, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
0.24Last Year’s EPS
0.22Same Quarter Last Year
Moderate Buy
Based on 1 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 30, 2025
|% Change Since: -2.46%
|Next Earnings Date:Jul 30, 2025
Earnings Call Sentiment|Positive
The earnings call presented a strong positive performance with record profits and improved capital efficiency across all segments. However, some challenges were noted in Argentina and Brazil, and there are uncertainties regarding regulatory impacts and asset sales. Overall, the positive highlights outweigh the lowlights.Company Guidance
During Santander's Q1 2025 Results Call, the company provided detailed guidance on several key metrics. The bank reported a record profit of €3.4 billion, representing a 19% increase from Q1 2024, driven by growth across all business segments. The CET1 capital ratio improved to 12.9%, with a target to distribute up to €10 billion to shareholders through share buybacks in 2025/2026, subject to regulatory approvals. Santander's return on tangible equity (ROTE) increased by nearly 2 percentage points to 15.8%, supported by improved efficiency and a diversified earnings base. Revenue grew by 5%, while net interest income (NII) rose by 4%, excluding Argentina's impact. The bank's transformation efforts led to a 1-point efficiency improvement, and expenses grew below revenue and inflation. Santander aims to achieve a ROTE of around 16.5% for the full year 2025. The bank's strategy focuses on organic growth, capital productivity, and leveraging global platforms to drive profitability and shareholder value.Record Profit Achievement
Santander reported a record profit of €3.4 billion for Q1 2025, which is a 19% increase compared to Q1 2024.
Improved Capital Efficiency
Capital allocation improved profitability to 15.8% post AT1, and the CET1 ratio increased to 12.9%.
Revenue and Growth
Revenue increased by 5% supported by NII growth of 4%, excluding Argentina, and record fees with almost double-digit growth.
Operational Leverage and Efficiency Gains
Efficiency improved by 1 point, and ROTE increased by almost 2 points to 15.8%.
Strong Performance Across Segments
All business segments reported revenue and profit growth, with retail and consumer segments leading in transformation efforts.
Robust Credit Quality
Cost of risk improved to 1.14%, supported by low employment and easing monetary policies.
Shareholder Value Creation
Earnings per share rose to above €0.21, and buybacks since '21 have resulted in a 14% reduction in outstanding shares.
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SAN Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
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SAN Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 30, 2025 | $7.32 | $7.00 | -4.37% |
| Feb 05, 2025 | $5.07 | $5.56 | +9.66% |
| Oct 29, 2024 | $4.86 | $4.73 | -2.67% |
| Jul 24, 2024 | $4.81 | $4.91 | +2.08% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
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FAQ
When does Banco Santander SA (SAN) report earnings?
Banco Santander SA (SAN) is schdueled to report earning on Jul 30, 2025, TBA Not Confirmed.
What is Banco Santander SA (SAN) earnings time?
Banco Santander SA (SAN) earnings time is at Jul 30, 2025, TBA Not Confirmed.
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is SAN EPS forecast?
SAN EPS forecast for the fiscal quarter 2025 (Q2) is 0.24.
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