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STOCKS

Banco Santander US (SAN)

NYSE:SAN

SAN

Banco Santander SA

RESEARCH TOOLSreports

Banco Santander SA (SAN) Ratios

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1,594 Followers

Banco Santander SA Ratios

SAN's free cash flow for Q3 2025 was €0.80. For the 2025 fiscal year, SAN's free cash flow was decreased by € and operating cash flow was €0.33. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.32	21.49	5.89	21.18	0.26
Quick Ratio	0.32	21.49	5.89	21.18	0.26
Cash Ratio	0.25	18.59	3.49	21.18	0.23
Solvency Ratio	<0.01	<0.01	<0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.02	-2.06	0.07	2.63	0.05
Short-Term Operating Cash Flow Coverage	0.00	-0.13	0.11	0.00	0.66
Net Current Asset Value	€ -1.38T	€ -1.48T	€ -1.28T	€ -1.41T	€ -1.23T
Leverage Ratios
Debt-to-Assets Ratio	0.17	0.26	0.17	0.16	0.21
Debt-to-Equity Ratio	3.13	4.90	3.26	3.18	3.85
Debt-to-Capital Ratio	0.76	0.83	0.77	0.76	0.79
Long-Term Debt-to-Capital Ratio	0.76	0.75	0.73	0.76	0.74
Financial Leverage Ratio	18.21	18.63	18.83	19.47	18.36
Debt Service Coverage Ratio	1.12	0.07	0.14	0.42	0.13
Interest Coverage Ratio	1.21	0.29	0.27	0.46	1.11
Debt to Market Cap	2.01	7.05	5.09	6.04	6.63
Interest Debt Per Share	22.34	35.45	23.06	18.74	20.12
Net Debt to EBITDA	1.59	11.89	3.26	3.28	5.76
Profitability Margins
Gross Profit Margin	89.36%	39.41%	38.54%	49.82%	66.70%
EBIT Margin	34.13%	14.65%	13.51%	17.52%	23.65%
EBITDA Margin	40.08%	17.18%	16.12%	20.95%	28.14%
Operating Profit Margin	33.97%	14.65%	13.51%	17.52%	23.65%
Pretax Profit Margin	34.19%	14.65%	13.51%	17.52%	23.65%
Net Profit Margin	24.66%	9.68%	9.09%	11.04%	13.21%
Continuous Operations Profit Margin	25.63%	10.58%	10.00%	12.37%	15.70%
Net Income Per EBT	72.12%	66.09%	67.29%	62.98%	55.85%
EBT Per EBIT	100.65%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	0.74%	0.68%	0.62%	0.55%	0.51%
Return on Equity (ROE)	13.55%	12.75%	11.61%	10.78%	9.35%
Return on Capital Employed (ROCE)	2.56%	1.04%	0.95%	0.88%	2.59%
Return on Invested Capital (ROIC)	1.92%	0.68%	0.54%	0.55%	1.49%
Return on Tangible Assets	0.75%	0.69%	0.62%	0.56%	0.51%
Earnings Yield	8.55%	18.42%	18.29%	20.69%	16.26%
Efficiency Ratios
Receivables Turnover	5.57	11.37	11.47	9.46	10.68
Payables Turnover	0.00	32.07	22.53	14.44	8.53
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	2.00	4.16	3.70	2.63	1.90
Asset Turnover	0.03	0.07	0.07	0.05	0.04
Working Capital Turnover Ratio	-0.07	0.44	0.44	-0.32	-0.08
Cash Conversion Cycle	65.49	20.72	15.62	13.30	-8.61
Days of Sales Outstanding	65.49	32.10	31.82	38.59	34.16
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	11.38	16.20	25.29	42.77
Operating Cycle	65.49	32.10	31.82	38.59	34.16
Cash Flow Ratios
Operating Cash Flow Per Share	1.72	-1.56	0.31	1.64	3.28
Free Cash Flow Per Share	1.35	-2.11	-0.53	1.00	2.62
CapEx Per Share	0.37	0.55	0.84	0.64	0.66
Free Cash Flow to Operating Cash Flow	0.79	1.35	-1.72	0.61	0.80
Dividend Paid and CapEx Coverage Ratio	3.64	-2.10	0.32	2.18	4.46
Capital Expenditure Coverage Ratio	4.66	-2.84	0.37	2.56	4.97
Operating Cash Flow Coverage Ratio	0.08	-0.05	0.02	0.10	0.17
Operating Cash Flow to Sales Ratio	0.46	-0.19	0.04	0.32	0.92
Free Cash Flow Yield	12.78%	-47.84%	-14.24%	36.34%	90.63%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	11.70	5.43	5.47	4.83	6.15
Price-to-Sales (P/S) Ratio	2.85	0.53	0.50	0.53	0.81
Price-to-Book (P/B) Ratio	1.57	0.69	0.63	0.52	0.57
Price-to-Free Cash Flow (P/FCF) Ratio	7.82	-2.09	-7.02	2.75	1.10
Price-to-Operating Cash Flow Ratio	6.22	-2.83	12.08	1.68	0.88
Price-to-Earnings Growth (PEG) Ratio	2.46	0.29	0.27	0.21	-0.03
Price-to-Fair Value	1.57	0.69	0.63	0.52	0.57
Enterprise Value Multiple	8.70	14.95	6.35	5.83	8.64
Enterprise Value	192.41B	333.73B	124.66B	106.31B	149.56B
EV to EBITDA	8.70	14.95	6.35	5.83	8.64
EV to Sales	3.49	2.57	1.02	1.22	2.43
EV to Free Cash Flow	9.58	-10.22	-14.45	6.30	3.30
EV to Operating Cash Flow	7.52	-13.82	24.86	3.84	2.64
Tangible Book Value Per Share	6.23	5.68	5.22	4.69	4.66
Shareholders’ Equity Per Share	6.80	6.36	5.90	5.29	5.03
Tax and Other Ratios
Effective Tax Rate	0.25	0.28	0.26	0.29	0.34
Revenue Per Share	3.71	8.38	7.54	5.17	3.56
Net Income Per Share	0.91	0.81	0.68	0.57	0.47
Tax Burden	0.72	0.66	0.67	0.63	0.56
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.40	0.17	0.17	0.23	0.29
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	1.87	-1.92	0.45	2.57	5.87

Currency in EUR