SAN
Banco Santander·NYSE
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SAN fundamentals
Banco Santander (SAN) released its earnings on Oct 29, 2025: revenue was 17.68B (YoY +4.81%), missed estimates; EPS was 0.269905 (YoY +21.09%), beat estimates.
Revenue / YoY
17.68B
+4.81%
EPS / YoY
0.269905
+21.09%
Report date
Oct 29, 2025
SAN Earnings Call Summary for Q3,2025
- Record Profit Growth: Q3 profit of EUR 3.5 billion, up 3% YoY, with RoTE improving to 16.1%.
- Fee-Driven Revenue: Fees rose 8% YoY, with Payments (+19%) and Wealth (+13%) leading growth.
- Capital Return Focus: EUR 10 billion share buyback program announced, with CET1 ratio at 13.1%.
- Efficiency Gains: 70 bps efficiency improvement from ONE Transformation, with cost of risk at 1.13%.
- Strategic Initiatives: Global platform rollouts (e.g., Gravity in Mexico) and Openbank-CIB merger to enhance deposit utilization and profitability.
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Key Indicators
Banco Santander (SAN) key financial stats and ratios, covering profitability, financial health, and leverage.
Banco Santander (SAN)'s revenue and profit trends over recent years, visualized with a waterfall chart to showcase the revenue-to-profit funnel.
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Banco Santander (SAN)'s asset and liability trends over recent years, visualized with a waterfall chart to illustrate changes in its asset-liability structure.
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Banco Santander (SAN)'s cash flow trends over recent years, visualized with a waterfall chart to illustrate changes in its operating, investing, and financing cash flows.
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Where does Banco Santander (SAN) generate its revenue? Explore its key revenue streams and top earning regions.
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Track Banco Santander (SAN) Dividend Yield, Payout Ratio & Sustainability Through Its Dividend History
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You can ask Aime
What were the key takeaways from Banco Santander’s earnings call?What is Banco Santander's latest dividend and current dividend yield?What is the market's earnings forecast for Banco Santander next quarter?What were the key takeaways from Banco Santander's earnings call?What guidance did Banco Santander's management provide for the next earnings period?What does Banco Santander do and what are its main business segments?Did Banco Santander beat or miss consensus estimates last quarter?What factors drove the changes in Banco Santander's revenue and profit?
