Banco Santander, S.A.

DB:BSDK Stock Report

Market Cap: €66.1b

Banco Santander Past Earnings Performance

Past criteria checks 4/6

Banco Santander has been growing earnings at an average annual rate of 35.7%, while the Banks industry saw earnings growing at 17.8% annually. Revenues have been growing at an average rate of 5.5% per year. Banco Santander's return on equity is 12.7%, and it has net margins of 24.6%.

Key information

35.7%

Earnings growth rate

38.2%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate5.5%
Return on equity12.7%
Net Margin24.6%
Next Earnings Update05 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Banco Santander makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:BSDK Revenue, expenses and earnings (EUR Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2447,79011,75025,2070
30 Jun 2447,24211,32225,3160
31 Mar 2446,01110,86525,2560
31 Dec 2344,76010,58424,8550
30 Sep 2344,1429,90324,6950
30 Jun 2342,9189,48624,3730
31 Mar 2341,7189,10423,9460
31 Dec 2241,2739,07623,3440
30 Sep 2241,1209,02522,6410
30 Jun 2240,4428,75621,8990
31 Mar 2239,8868,49321,2730
31 Dec 2139,0077,55820,8570
30 Sep 2136,6985,57420,1910
30 Jun 2135,6055,15719,9990
31 Mar 2133,289-8,04619,9820
31 Dec 2031,840-9,32320,5930
30 Sep 2034,633-6,86018,6240
30 Jun 2036,271-8,08920,6180
31 Mar 2038,9594,55919,7140
31 Dec 1940,9365,92022,7580
30 Sep 1940,1305,64822,2980
30 Jun 1939,3986,69720,8730
31 Mar 1939,3397,01222,2320
31 Dec 1839,3267,25019,7970
30 Sep 1839,4606,76122,2950
30 Jun 1839,8916,27222,4140
31 Mar 1839,6646,37122,4890
31 Dec 1739,4026,22422,4100
30 Sep 1737,9666,31021,9410
30 Jun 1736,5316,56421,4230
31 Mar 1735,7436,10421,0020
31 Dec 1634,4785,87020,6170
30 Sep 1633,6074,31220,6770
30 Jun 1633,8844,31020,7700
31 Mar 1634,4575,59020,9720
31 Dec 1535,1815,69021,1910
30 Sep 1536,6497,14320,9140
30 Jun 1536,0197,14420,6440
31 Mar 1534,3236,05720,2550
31 Dec 1434,7905,71119,7240
30 Sep 1433,9145,16917,1070
30 Jun 1432,8404,61117,0740
31 Mar 1430,7104,28819,6920
31 Dec 1330,4104,19019,3980

Quality Earnings: BSDK has high quality earnings.

Growing Profit Margin: BSDK's current net profit margins (24.6%) are higher than last year (22.4%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BSDK's earnings have grown significantly by 35.7% per year over the past 5 years.

Accelerating Growth: BSDK's earnings growth over the past year (18.7%) is below its 5-year average (35.7% per year).

Earnings vs Industry: BSDK earnings growth over the past year (18.7%) exceeded the Banks industry 12.9%.

Return on Equity

High ROE: BSDK's Return on Equity (12.7%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/20 12:09
End of Day Share Price 2024/12/20 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Banco Santander, S.A. is covered by 59 analysts. 19 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
José Valle CarrascalAhorro Corporación
David GrinsztajnAlphaValue
Carlos PeixotoBanco BPI, S.A.