Banco Santander, S.A.
PosiFunda Ratios Only on PositoAI
PositoAI's own ratios from Banco Santander, S.A.'s yearly results (2022–2025), compared with companies in Spain. Tap ? on any ratio for what it means.
Cash quality
Profit Cash Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Self-Funding Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Locked Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Growth quality
Steadiness Ratio
2/3 · 3/3Sales grew in 2 of the last 3 years; profit grew in 3 of 3.
Growth Efficiency Ratio
€77Sales grew 11% in 3 years; of every extra €100 of sales, €77 became extra profit.
Asset Productivity Ratio
+11% / +8%In 3 years sales changed by +11% while total assets changed by +8%. Both moved at about the same pace.
Balance-sheet strength
Debt Due Cover Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Cash Cushion Ratio
—Not applicable for banks
Deposits and loans are a bank's raw material, so cash-flow and debt figures mean something different for banks.
Tangible Assets Ratio
99%Of every €100 the company owns, €99 is in tangible assets such as plants, cash, stock and receivables; the rest is goodwill and other intangibles.
Tangible Net Worth Ratio
83%Of every €100 of net worth, €83 is tangible; the rest is goodwill and other intangibles, often from buying other companies.
Shareholders
Standard fundamentals
P/E, P/B, ROE, debt, growth and more (11)
Banco Santander, S.A. owes €0.94 for every €1 it owns. Net profit rose 12% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Compared with companies in Spain · latest annual results Dec 2025.
P/E ratio
13.1Investors pay €13.1 for every €1 of Banco Santander, S.A.'s yearly profit.
P/B ratio
1.52The share price is 1.52 times Banco Santander, S.A.'s book value per share.
Market cap
€166.0 BThe total market value of all of Banco Santander, S.A.'s shares at today's price (share price × number of shares). PosiCap size class: Tito Cap.
Net worth (book value)
€109.3 BWhat Banco Santander, S.A. would have left on paper if it sold everything it owns and paid everything it owes, from its latest balance sheet (30 Jun 2026).
Book value per share
€7.56Net worth divided by the number of shares. The share price of €11.48 is 1.5 times this, which is the P/B above.
Return on equity (ROE)
13.1%Banco Santander, S.A. earned 13.1% on its shareholders' money over the last year.
Owes vs Owns
0.94×Banco Santander, S.A. owes €0.94 for every €1 it owns (high). Banks and lenders usually show higher figures.
Dividend yield
2.12%Banco Santander, S.A. pays 2.12% of its share price as dividends a year.
Revenue growth
-0%Revenue fell 0% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Profit growth
+12%Net profit rose 12% in the year to Dec 2025, and grew 14% a year on average over 3 years.
Profit margin
23.5%Banco Santander, S.A. keeps €23 of every €100 of revenue as net profit.
Questions
What is Banco Santander, S.A.'s P/E ratio?
Investors pay €13.1 for every €1 of Banco Santander, S.A.'s yearly profit.
How is P/B calculated on PositoAI?
P/B is market cap divided by net worth from the latest balance sheet. For Banco Santander, S.A.: €166.0 B ÷ €109.3 B (30 Jun 2026) = 1.5.
What is Banco Santander, S.A.'s return on equity?
Banco Santander, S.A. earned 13.1% on its shareholders' money over the last year.
How much does Banco Santander, S.A. owe compared with what it owns?
Banco Santander, S.A. owes €0.94 for every €1 it owns (high). Banks and lenders usually show higher figures.
Does Banco Santander, S.A. pay a dividend?
Yes. Banco Santander, S.A. pays 2.12% of its share price as dividends a year.
Is Banco Santander, S.A.'s revenue growing?
Revenue fell 0% in the year to Dec 2025, and grew 3% a year on average over 3 years.
Figures from the company's yearly results and PositoAI's own data. Full tables are on the Go Deep tab. What each figure means. PositoAI is for research and education only and is not investment advice.