Banco Santander, S.A. - Understand $san stock

$SAN Market Cap: $66.39 Billion

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Financial Snapshot

Revenue

Gross Margin

Net Earnings

$19.22B

TTM

Current Assets

Current Liabilities

$3.846B

Q4 2023

Current Ratio

Total Assets

€1797B

Q4 2023

Total Liabilities

€1693B

Q4 2023

Book Value

€104.2B

Q4 2023

Cash

P/E

3.454

Nov 29, 2024 EST

Free Cash Flow

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989
Revenue
YoY Change

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020
Revenue
Cost Of Revenue
Gross Profit	€57.42B	€52.12B	€46.40B	€44.28B
Gross Profit Margin

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization	$3.184B	$2.985B	$2.756B	$2.810B	$3.001B	$2.425B	$2.593B	$2.364B	$2.418B	$2.287B	$2.391B	$2.183B	$2.098B	$1.940B	$1.596B	$1.270B	$1.268B	$1.147B	$1.014B	$839.0M
YoY Change	6.67%	8.31%	-1.92%	-6.36%	23.75%	-6.48%	9.69%	-2.23%	5.73%	-4.35%	9.53%	4.05%	8.14%	21.55%	25.67%	0.16%	10.55%	13.12%	20.86%
% of Gross Profit	5.54%	5.73%	5.94%	6.35%
Operating Expenses
YoY Change
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020
Interest Expense	€61.99B	€32.81B	€13.09B	€13.75B
YoY Change	88.93%	150.6%	-4.76%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989
Pretax Income	$16.46B	$15.25B	$14.55B	-$2.076B	$12.54B	$14.20B	$12.09B	$10.77B	$9.547B	$10.68B	$7.378B	$3.565B	$7.858B	$12.05B	$10.59B	$10.85B	$10.97B	$8.995B	$7.661B	$4.581B	$4.101B	$3.509B	$4.237B	$3.774B	$2.716B	$2.154B	$1.210B	$981.0M	$877.0M	$860.0M	$696.0M	$604.0M	$549.0M	$578.0M	$488.0M
YoY Change	7.93%	4.83%	-800.72%	-116.55%	-11.68%	17.45%	12.29%	12.79%	-10.6%	44.74%	106.96%	-54.63%	-34.8%	13.83%	-2.41%	-1.1%	21.96%	17.41%	67.23%	11.7%	16.87%	-17.18%	12.27%	38.95%	26.09%	78.02%	23.34%	11.86%	1.98%	23.56%	15.23%	10.02%	-5.02%	18.44%
Income Tax	$4.276B	$4.486B	$4.894B	$5.632B	$4.427B	$4.886B	$3.884B	$3.282B	$2.213B	$3.718B	$2.034B	$584.0M	$1.755B	$2.923B	$1.207B	$1.836B	$2.322B	$2.255B	$1.242B	$597.0M	$869.0M	$723.0M	$910.0M	$715.0M	$544.0M	$439.0M	$222.0M	$256.0M	$265.0M	$260.0M	$227.0M	$207.0M	$189.0M	$194.0M	$167.0M
% Of Pretax Income	25.98%	29.42%	33.64%		35.29%	34.41%	32.12%	30.48%	23.18%	34.82%	27.57%	16.38%	22.33%	24.25%	11.4%	16.92%	21.17%	25.07%	16.21%	13.03%	21.19%	20.6%	21.48%	18.95%	20.03%	20.38%	18.35%	26.1%	30.22%	30.23%	32.61%	34.27%	34.43%	33.56%	34.22%
Net Earnings	€12.18B	€10.76B	$8.124B	-$8.771B	$6.515B	$7.810B	$6.619B	$6.204B	$5.966B	$5.816B	$4.175B	$2.283B	$5.330B	$8.181B	$8.943B	$8.876B	$9.060B	$7.596B	$6.220B	$3.606B	$2.611B	$2.648B	$2.987B	$2.701B	$1.941B	$1.535B	$665.0M	$514.0M	$453.0M	$419.0M	$399.0M	$356.0M	$336.0M	$338.0M	$280.0M
YoY Change	13.18%	32.5%	-192.62%	-234.63%	-16.58%	17.99%	6.69%	3.99%	2.58%	39.31%	82.87%	-57.17%	-34.85%	-8.52%	0.75%	-2.03%	19.27%	22.12%	72.49%	38.11%	-1.4%	-11.35%	10.59%	39.16%	26.45%	130.83%	29.38%	13.47%	8.11%	5.01%	12.08%	5.95%	-0.59%	20.71%
Net Earnings / Revenue
Basic Earnings Per Share
Diluted Earnings Per Share	$0.70	$0.58	$470.4K	-$506.5K	$381.1K	$463.4K	$408.2K	$399.5K	$388.9K	$430.8K	$332.7K	$205.3K	$487.1K	$617.5K	$686.7K	$771.8K	$839.1K	$718.8K	$590.1K	$432.1K	$325.4K	$332.8K	$388.9K	$381.6K	$314.5K	$247.9K	$202.1K	$156.2K	$137.7K	$127.4K	$172.5K	$158.2K	$146.7K	$150.8K	$129.5K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment	$32.93B	$33.04B	$32.34B	$31.77B	$34.26B	$24.59B	$20.65B	$20.77B	$19.34B	$16.89B	$9.974B	$10.32B	$9.995B	$11.14B	$8.996B	$8.502B	$9.459B	$10.11B	$9.993B	$10.59B	$5.058B	$5.584B	$7.228B	$7.386B	$6.303B	$6.450B	$3.496B	$2.899B	$2.735B	$2.653B	$1.178B	$1.006B	$784.0M	$564.0M	$510.0M
YoY Change	-0.36%	2.17%	1.79%	-7.27%	39.31%	19.1%	-0.58%	7.42%	14.48%	69.33%	-3.31%	3.2%	-10.29%	23.86%	5.81%	-10.12%	-6.45%	1.18%	-5.59%	109.27%	-9.42%	-22.74%	-2.14%	17.18%	-2.28%	84.5%	20.59%	6.0%	3.09%	125.21%	17.1%	28.32%	39.01%	10.59%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments	$7.646B	$7.615B	$7.525B	$7.622B	$8.772B	$7.588B	$6.184B	$4.836B	$3.251B	$3.471B	$5.536B	$4.454B	$4.155B	$273.0M	$164.0M	$1.323B	$15.69B	$5.006B	$3.031B	$3.748B	$4.622B	$4.435B	$1.527B	$987.0M	$837.0M	$794.0M	$1.432B	$1.777B	$1.375B	$1.818B	$662.0M	$453.0M	$363.0M	$3.061B	$1.793B
YoY Change	0.41%	1.2%	-1.27%	-13.11%	15.6%	22.7%	27.87%	48.75%	-6.34%	-37.3%	24.29%	7.2%	1421.98%	66.46%	-87.6%	-91.57%	213.4%	65.16%	-19.13%	-18.91%	4.22%	190.44%	54.71%	17.92%	5.42%	-44.55%	-19.41%	29.24%	-24.37%	174.62%	46.14%	24.79%	-88.14%	70.72%
Other Assets	$23.78B	$24.24B	$25.52B	$24.33B	$28.26B	$29.70B	$39.09B	$27.56B	$28.48B	$27.95B	$26.23B	$27.04B	$25.65B	$23.37B	$21.62B	$23.91B	$21.01B	$9.484B	$9.246B	$8.625B
YoY Change	-1.89%	-5.01%	4.9%	-13.93%	-4.84%	-24.03%	41.87%	-3.23%	1.88%	6.55%	-2.96%	5.4%	9.74%	8.13%	-9.6%	13.82%	121.52%	2.57%	7.2%
Total Long-Term Assets
YoY Change
Total Assets	$1797B	$1735B	$1596B	$1508B	$1523B	$1459B	$1444B	$1339B	$1340B	$1266B	$1116B	$1270B	$1251B	$1218B	$1111B	$1050B	$912.9B	$833.9B	$809.1B	$664.5B	$351.8B	$324.2B	$358.1B	$348.9B	$256.4B	$235.8B	$156.0B	$118.3B	$98.95B	$90.40B	$62.74B	$42.38B	$34.86B	$32.13B	$27.21B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses														$4.891B	$5.439B	$4.594B	$3.908B	$2.999B	$3.049B	$4.382B							$3.922B	$3.321B	$3.594B	$3.041B	$2.016B
YoY Change														-10.08%	18.39%	17.55%	30.31%	-1.64%	-30.42%								18.1%	-7.6%	18.18%	50.84%
Deferred Revenue
YoY Change
Short-Term Debt																					$26.59B	$37.35B	$38.59B	$24.00B	$16.82B	$19.55B	$1.280B	$268.0M	$184.0M	$364.0M	$82.00M	$319.0M	$349.0M	$359.0M	$550.0M
YoY Change																					-28.82%	-3.21%	60.78%	42.73%	-14.0%	1427.66%	377.61%	45.65%	-49.45%	343.9%	-74.29%	-8.6%	-2.79%	-34.73%
Long-Term Debt Due
YoY Change
Total Short-Term Liabilities	$3.846B	$3.040B	$2.187B	$2.349B	$2.800B	$2.567B	$2.755B	$2.679B	$2.160B	$4.852B	$4.254B	$5.162B	$5.101B	$9.197B	$8.776B	$6.899B	$6.320B	$3.761B	$4.150B	$5.007B	$26.59B	$37.35B	$38.59B	$24.00B	$16.82B	$19.55B	$3.922B	$3.321B	$3.594B	$3.041B	$2.016B	$319.0M	$349.0M	$359.0M	$550.0M
YoY Change	26.51%	39.0%	-6.9%	-16.11%	9.08%	-6.82%	2.84%	24.03%	-55.48%	14.06%	-17.59%	1.2%	-44.54%	4.8%	27.21%	9.16%	68.04%	-9.37%	-17.12%	-81.17%	-28.82%	-3.21%	60.78%	42.73%	-14.0%	398.57%	18.1%	-7.6%	18.18%	50.84%	531.97%	-8.6%	-2.79%	-34.73%
Long-Term Debt	$308.6B	$280.3B	$246.2B	$235.3B	$262.0B	$246.6B	$218.0B	$228.9B	$226.2B	$214.0B	$191.6B	$224.2B	$220.3B	$223.3B	$248.8B	$275.3B	$269.5B	$234.5B	$177.6B	$141.3B	$11.22B	$12.45B	$13.00B	$10.73B	$8.099B	$6.312B	$3.874B	$3.168B	$2.386B	$1.641B	$1.076B	$970.0M	$865.0M	$626.0M	$241.0M
YoY Change	10.07%	13.88%	4.63%	-10.19%	6.23%	13.15%	-4.76%	1.19%	5.68%	11.69%	-14.54%	1.78%	-1.37%	-10.22%	-9.63%	2.15%	14.92%	32.03%	25.68%	1159.33%	-9.87%	-4.2%	21.12%	32.49%	28.31%	62.93%	22.29%	32.77%	45.4%	52.51%	10.93%	12.14%	38.18%	159.75%
Other Long-Term Liabilities	$214.0B	$184.9B	$138.1B	$139.4B	$141.2B	$128.8B	$172.6B	$170.1B	$160.5B	$143.8B	$124.6B	$175.9B	$181.7B	$192.1B	$177.2B	$194.7B	$158.8B	$156.8B	$173.6B	$157.6B	$30.71B	$31.84B	$37.79B	$37.25B	$22.73B	$18.27B	$5.148B	$3.513B	$3.480B	$3.463B	$2.072B	$3.087B	$2.633B	$8.379B	$6.926B
YoY Change	15.77%	33.86%	-0.92%	-1.29%	9.68%	-25.41%	1.5%	5.93%	11.62%	15.42%	-29.17%	-3.15%	-5.42%	8.42%	-9.03%	22.66%	1.26%	-9.68%	10.13%	413.16%	-3.53%	-15.76%	1.46%	63.92%	24.4%	254.84%	46.54%	0.95%	0.49%	67.13%	-32.88%	17.24%	-68.58%	20.98%
Total Long-Term Liabilities	$522.6B	$465.2B	$384.3B	$374.7B	$403.2B	$375.4B	$390.6B	$398.9B	$386.7B	$357.9B	$316.2B	$400.1B	$401.9B	$415.4B	$425.9B	$470.0B	$428.2B	$391.3B	$351.2B	$298.9B	$41.93B	$44.29B	$50.79B	$47.98B	$30.82B	$24.58B	$9.022B	$6.681B	$5.866B	$5.104B	$3.148B	$4.057B	$3.498B	$9.005B	$7.167B
YoY Change	12.34%	21.06%	2.57%	-7.08%	7.41%	-3.9%	-2.09%	3.16%	8.07%	13.16%	-20.97%	-0.45%	-3.24%	-2.47%	-9.38%	9.75%	9.45%	11.42%	17.49%	612.83%	-5.32%	-12.8%	5.85%	55.66%	25.41%	172.43%	35.04%	13.89%	14.93%	62.13%	-22.41%	15.98%	-61.15%	25.65%
Total Liabilities	$1702B	$1646B	$1509B	$1427B	$1423B	$1363B	$1350B	$1248B	$1252B	$1185B	$1045B	$1198B	$1177B	$1142B	$1042B	$992.0B	$857.7B	$789.0B	$769.3B	$630.1B	$326.7B	$300.3B	$335.3B	$328.0B	$246.1B	$225.0B	$151.3B	$114.1B	$95.63B	$87.35B	$60.68B	$40.54B	$33.20B	$30.18B	$25.59B
YoY Change	3.41%	9.06%	5.76%	0.29%	4.39%	0.96%	8.14%	-0.32%	5.63%	13.4%	-12.72%	1.81%	2.98%	9.66%	5.02%	15.66%	8.71%	2.56%	22.1%	92.84%	8.82%	-10.45%	2.21%	33.31%	9.36%	48.71%	32.67%	19.26%	9.48%	43.95%	49.69%	22.13%	9.98%	17.93%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013	2012	2011	2010	2009	2008	2007	2006	2005	2004	2003	2002	2001	2000	1999	1998	1997	1996	1995	1994	1993	1992	1991	1990	1989
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $66.387 Billion

About Banco Santander, S.A.

Banco Santander SA is a banking services company, which engages in the provision of banking services to individuals, companies, and institutions. The company is headquartered in Boadilla Del Monte, Madrid and currently employs 211,141 full-time employees. The Banks segments include Continental Europe, the United Kingdom, Latin America and the United States. The Continental Europe segment covers all businesses in the Continental Europe. The United Kingdom segment includes the businesses developed by various units and branches in the country. The Latin America segment embraces all its financial activities conducted through its banks and subsidiaries in the region. The United States segment includes the Intermediate Holding Company (IHC) and its subsidiaries Santander Bank, Banco Santander Puerto Rico, Santander Consumer USA, Banco Santander International, Santander Investment Securities, and the Santander branch in New York. The firm's commercial model satisfies the needs of all types of customers: individuals with various income levels.

Industry: Commercial Banks, NEC Peers: