How much profit does Banco Santander SA make?

16.21B EUR over the last twelve months, and 14.10B EUR in fiscal year 2025.

What is Banco Santander SA's EPS?

1.04 EUR over the last twelve months, and 0.87 EUR in fiscal year 2025.

How many shares does Banco Santander SA have?

15.61B over the last twelve months, and 15.93B in fiscal year 2025.

What is Banco Santander SA's operating income?

19.60B EUR over the last twelve months, and 18.68B EUR in fiscal year 2025.

What is Banco Santander SA's gross margin?

Banco Santander SA kept 45.1% of its revenue as gross profit over the last twelve months, and 40.0% in fiscal year 2025.

What is Banco Santander SA's EBITDA?

Banco Santander SA's EBITDA was 20.94B EUR over the last twelve months, and 21.86B EUR in fiscal year 2025.

When does Banco Santander SA's fiscal year end?

Banco Santander SA's fiscal year 2025 ended on 31 December 2025. Its quarters end in March, June, September, December, so its fiscal years do not match the calendar years.

Banco Santander SA
D
Quotes are delayed by 15 minutes

SAN

Arincen ScoreBeta35/100

35/100B

11.755

USD

-0.26

(-2.12%)

Post Trading·11.750USD-0.005(-0.04%)

Fair value8.90Plus+32%6Price 11.7616

Q4 FY2026 · Earnings report

EPS estimate 0.27Revenue estimate 18.70B

Q4 FY2026 · Earnings report

Tuesday 2 February

EPS estimate 0.27Revenue estimate 18.70B

Fair value8.90Plus+32%6Price 11.7616

Q4 FY2026 · Earnings report

EPS estimate 0.27Revenue estimate 18.70B

Q4 FY2026 · Earnings report

Tuesday 2 February

EPS estimate 0.27Revenue estimate 18.70B

Overview Financials News Forecast Earnings Dividends Company

Banco Santander SA income statement 1987–2026What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.

110.86B EUR over the last twelve months, and 119.89B EUR in fiscal year 2025.

Revenue Operating income Net income

Click a line's chart icon in the table to add it to the chart; hover over it for a quick look.

Fiscal year	TTM 30 Sept 2026	FY2025 31 Dec 2025	FY2024 31 Dec 2024	FY2023 31 Dec 2023	FY2022 31 Dec 2022	FY2021 31 Dec 2021	FY2020 31 Dec 2020	FY2019 31 Dec 2019	FY2018 31 Dec 2018	FY2017 31 Dec 2017	FY2016 31 Dec 2016	FY2015 31 Dec 2015	FY2014 31 Dec 2014	FY2013 31 Dec 2013	FY2012 31 Dec 2012	FY2011 31 Dec 2011	FY2010 31 Dec 2010	FY2009 31 Dec 2009	FY2008 31 Dec 2008	FY2007 31 Dec 2007	FY2006 31 Dec 2006	FY2005 31 Dec 2005	FY2004 31 Dec 2004	FY2003 31 Dec 2003	FY2002 31 Dec 2002	FY2001 31 Dec 2001	FY2000 31 Dec 2000	FY1999 31 Dec 1999	FY1998 31 Dec 1998	FY1997 31 Dec 1997	FY1996 31 Dec 1996	FY1995 31 Dec 1995	FY1994 31 Dec 1994	FY1993 31 Dec 1993	FY1992 31 Dec 1992	FY1991 31 Dec 1991	FY1990 31 Dec 1990	FY1989 31 Dec 1989	FY1988 31 Dec 1988	FY1987 31 Dec 1987
RevenueWhat is revenue? Revenue is the money a company brings in from selling its goods and services over a period, before any costs. It is the top line of the income statement.	110.86B	119.89B	129.91B	121.87B	87.03B	61.50B	60.50B	72.57B	69.67B	71.34B	69.76B	71.68B	69.27B	66.04B	74.00B	74.60B	66.84B	67.60B	68.25B	58.19B	48.34B	44.51B	24.90B	25.25B	30.99B	36.78B	36.50B	25.60B	23.19B	13.72B	12.29B	11.16B	7.99B	6.69B	6.08B	6.46B	0.00	0.00	0.00	0.00
Revenue growth	+50.16%	-7.71%	+6.60%	+40.04%	+41.51%	+1.64%	-16.62%	+4.16%	-2.35%	+2.27%	-2.68%	+3.49%	+4.89%	-10.77%	-0.80%	+11.61%	-1.12%	-0.96%	+17.30%	+20.37%	+8.61%	+78.76%	-1.38%	-18.54%	-15.72%	+0.74%	+42.61%	+10.38%	+69.07%	+11.59%	+10.17%	+39.67%	+19.32%	+10.08%	-5.89%	—	—	—	—	—
Cost of revenue	60.87B	71.88B	78.71B	74.90B	43.67B	20.48B	26.11B	30.84B	28.97B	30.99B	33.62B	34.58B	35.63B	36.50B	47.39B	40.15B	33.95B	37.96B	43.40B	34.49B	27.60B	24.51B	11.87B	11.16B	15.49B	20.03B	22.40B	14.28B	12.94B	8.15B	7.68B	6.87B	4.65B	4.10B	3.50B	3.81B	0.00	0.00	0.00	0.00
Gross profit	49.99B	48.02B	51.20B	46.97B	43.36B	41.02B	34.39B	41.72B	40.70B	40.36B	36.14B	37.10B	33.64B	29.54B	26.61B	34.45B	32.89B	29.64B	24.85B	23.70B	20.74B	20.00B	13.03B	14.08B	15.51B	16.75B	14.10B	11.31B	10.25B	5.56B	4.61B	4.29B	3.33B	2.59B	2.58B	2.65B	0.00	0.00	0.00	0.00
Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.	45.09%	40.05%	39.41%	38.54%	49.82%	66.70%	56.85%	57.50%	58.42%	56.57%	51.80%	51.76%	48.56%	44.73%	35.96%	46.18%	49.21%	43.84%	36.41%	40.72%	42.90%	44.93%	52.34%	55.79%	50.03%	45.54%	38.63%	44.20%	44.19%	40.56%	37.51%	38.45%	41.75%	38.69%	42.37%	41.06%	—	—	—	—
Selling, general and administrative	17.77B	21.53B	22.18B	21.67B	20.36B	18.10B	17.78B	19.76B	19.80B	19.82B	18.25B	18.77B	17.44B	17.01B	17.39B	17.24B	15.88B	14.51B	11.39B	10.51B	9.97B	9.54B	6.93B	4.25B	4.79B	5.61B	4.77B	3.98B	3.93B	2.10B	1.63B	1.52B	1.02B	695.55M	760.27M	697.50M	0.00	0.00	0.00	0.00
Operating expenses	30.64B	29.33B	32.17B	30.51B	28.11B	26.47B	36.47B	29.18B	26.50B	28.27B	25.37B	27.56B	22.96B	22.16B	23.05B	26.60B	20.84B	19.05B	14.00B	12.73B	11.74B	12.34B	8.64B	11.14B	12.94B	13.79B	11.44B	9.04B	8.14B	4.06B	3.61B	3.35B	2.45B	1.94B	1.90B	1.81B	429.31M	358.81M	296.95M	227.42M
Operating income	19.60B	18.68B	19.03B	16.46B	15.25B	14.55B	-2.08B	12.54B	14.20B	12.09B	10.77B	9.55B	10.68B	7.38B	3.57B	7.86B	12.05B	10.59B	10.85B	10.97B	9.00B	7.66B	4.39B	2.95B	2.56B	2.96B	2.66B	2.27B	2.11B	1.50B	999.28M	935.27M	886.32M	653.25M	674.54M	840.65M	429.31M	358.81M	296.95M	227.42M
Operating income growth	+7.80%	-1.82%	+15.60%	+7.93%	+4.83%	—	-116.55%	-11.68%	+17.45%	+12.29%	+12.79%	-10.60%	+44.74%	+106.96%	-54.63%	-34.80%	+13.83%	-2.41%	-1.10%	+21.96%	+17.42%	+74.62%	+48.89%	+14.90%	-13.28%	+11.24%	+16.95%	+7.85%	+40.21%	+50.42%	+6.84%	+5.52%	+35.68%	-3.16%	-19.76%	+95.81%	+19.65%	+20.83%	+30.57%	—
Operating marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.	17.68%	15.58%	14.65%	13.51%	17.52%	23.65%	-3.43%	17.29%	20.38%	16.95%	15.44%	13.32%	15.42%	11.17%	4.82%	10.53%	18.03%	15.66%	15.90%	18.85%	18.61%	17.21%	17.62%	11.67%	8.27%	8.04%	7.28%	8.88%	9.09%	10.96%	8.13%	8.38%	11.10%	9.76%	11.09%	13.01%	—	—	—	—
Interest income	92.17B	101.71B	112.74B	105.25B	71.43B	46.46B	45.74B	56.79B	54.33B	56.04B	55.16B	57.20B	54.66B	51.45B	58.79B	60.62B	52.91B	53.17B	55.04B	45.51B	37.24B	33.42B	17.83B	17.61B	23.21B	28.72B	29.67B	19.97B	18.47B	10.70B	9.60B	8.80B	6.25B	5.63B	4.97B	4.90B	—	—	—	—
Interest expense	—	59.36B	66.07B	61.99B	32.81B	13.09B	13.75B	21.50B	19.98B	21.75B	24.07B	24.39B	25.11B	25.51B	28.87B	30.02B	23.68B	26.87B	37.51B	31.07B	25.12B	22.76B	10.27B	9.67B	13.84B	18.44B	21.35B	13.29B	12.28B	7.68B	7.32B	6.65B	4.52B	4.10B	3.50B	3.26B	—	—	—	—
Other non-operating income	—	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Pretax income	19.35B	18.68B	19.03B	16.46B	15.25B	14.55B	-2.08B	12.54B	14.20B	12.09B	10.77B	9.55B	10.68B	7.38B	3.57B	7.86B	12.05B	10.59B	10.85B	10.97B	9.00B	7.66B	4.39B	2.95B	2.56B	2.96B	2.66B	2.27B	2.11B	1.50B	999.28M	935.27M	886.32M	653.25M	674.54M	840.65M	0.00	0.00	0.00	0.00
Income tax	4.81B	4.72B	5.28B	4.28B	4.49B	4.89B	5.63B	4.43B	4.89B	3.88B	3.28B	2.21B	3.72B	2.03B	584.00M	1.76B	2.92B	1.21B	1.84B	2.32B	2.25B	1.24B	525.82M	340.41M	315.26M	466.47M	393.85M	544.40M	439.04M	221.36M	261.21M	282.72M	267.80M	236.78M	248.02M	291.00M	-429.31M	-358.81M	-296.95M	-227.42M
Effective tax rate	24.85%	25.28%	27.77%	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%	11.40%	16.92%	21.17%	25.06%	16.21%	11.99%	11.55%	12.29%	15.77%	14.82%	23.95%	20.83%	14.73%	26.14%	30.23%	30.21%	36.25%	36.77%	34.62%	—	—	—	—
Net income	16.21B	14.10B	12.57B	11.08B	9.61B	8.12B	-8.77B	6.52B	7.81B	6.62B	6.20B	5.97B	5.82B	4.18B	2.28B	5.33B	8.18B	8.94B	8.88B	9.06B	7.60B	6.22B	3.61B	2.61B	2.25B	2.49B	2.26B	1.58B	1.25B	987.45M	738.07M	652.55M	618.53M	416.47M	426.52M	549.65M	429.31M	358.81M	296.95M	227.42M
Net income growth	+23.81%	+12.14%	+13.52%	+15.31%	+18.23%	—	-234.63%	-16.58%	+17.99%	+6.69%	+3.99%	+2.58%	+39.31%	+82.87%	-57.17%	-34.85%	-8.51%	+0.74%	-2.03%	+19.28%	+22.12%	+72.50%	+38.35%	+15.87%	-9.69%	+9.99%	+43.54%	+26.27%	+26.52%	+33.79%	+13.11%	+5.50%	+48.52%	-2.36%	-22.40%	+28.03%	+19.65%	+20.83%	+30.57%	—
Net marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.	14.62%	11.76%	9.68%	9.09%	11.04%	13.21%	-14.50%	8.98%	11.21%	9.28%	8.89%	8.32%	8.40%	6.32%	3.09%	7.14%	12.24%	13.23%	13.01%	15.57%	15.71%	13.97%	14.48%	10.32%	7.26%	6.77%	6.20%	6.16%	5.39%	7.20%	6.00%	5.85%	7.74%	6.22%	7.01%	8.51%	—	—	—	—
Basic shares	14.81B	15.50B	15.50B	16.17B	16.85B	17.27B	17.32B	17.06B	16.85B	16.06B	15.29B	14.97B	12.58B	11.50B	10.36B	9.64B	9.61B	9.46B	8.04B	7.52B	7.41B	7.40B	5.75B	5.10B	4.02B	4.86B	4.76B	2.96B	2.45B	2.29B	2.62B	2.62B	2.30B	2.04B	2.04B	2.04B	2.04B	2.04B	2.04B	2.04B
Diluted sharesWhat are shares outstanding? Shares outstanding are all the shares a company has issued that investors hold, insiders included. Their number times the share price is the market value.	15.61B	15.93B	15.57B	16.25B	16.90B	17.32B	17.32B	17.10B	16.90B	16.12B	15.34B	15.00B	12.61B	11.55B	10.43B	9.71B	9.67B	9.53B	8.09B	7.60B	7.45B	7.43B	5.76B	5.10B	4.02B	4.86B	4.76B	2.96B	2.45B	2.29B	2.62B	2.62B	2.30B	2.04B	2.04B	2.04B	2.04B	2.04B	2.04B	2.04B
Change in diluted shares	-1.40%	+2.31%	-4.18%	-3.88%	-2.41%	+0.03%	+1.28%	+1.18%	+4.84%	+5.05%	+2.26%	+18.94%	+9.19%	+10.73%	+7.44%	+0.38%	+1.52%	+17.74%	+6.44%	+2.00%	+0.30%	+29.06%	+12.95%	+26.97%	-17.41%	+2.17%	+60.89%	+20.91%	+6.86%	-12.57%	-0.13%	+13.79%	+12.79%	0.00%	0.00%	0.00%	0.00%	0.00%	0.00%	—
EPS (basic)	1.08	0.88	0.77	0.65	0.54	0.44	-0.54	0.35	0.43	0.39	0.39	0.38	0.46	0.37	0.22	0.58	0.90	0.91	1.06	1.13	0.81	0.96	0.70	0.45	0.46	0.52	0.51	0.41	0.51	0.33	0.27	0.24	0.21	0.29	0.30	0.03	0.21	0.18	0.15	0.11
EPS (diluted)What is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.	1.04	0.87	0.77	0.65	0.54	0.44	-0.54	0.35	0.43	0.39	0.39	0.38	0.46	0.36	0.20	0.57	0.90	0.91	1.06	1.12	0.81	0.95	0.70	0.45	0.46	0.52	0.51	0.41	0.51	0.33	0.27	0.24	0.21	0.29	0.30	0.03	0.21	0.18	0.15	0.11
EPS growth	+26.83%	+12.99%	+18.46%	+20.37%	+22.73%	—	-254.29%	-18.60%	+10.26%	0.00%	+2.63%	-17.39%	+27.78%	+80.00%	-64.91%	-36.67%	-1.10%	-14.15%	-5.36%	+38.27%	-14.74%	+35.71%	+55.56%	-2.17%	-11.54%	+1.96%	+24.39%	-19.61%	+54.55%	+22.22%	+12.50%	+14.29%	-27.59%	-3.33%	+852.38%	-85.00%	+16.67%	+20.00%	+36.36%	—
Dividends per share	0.28	0.26	0.21	0.15	0.11	0.09	0.11	0.26	0.25	0.33	0.21	0.42	0.82	1.08	0.83	1.17	0.93	1.00	1.18	0.72	0.53	0.42	0.37	0.31	0.26	0.25	0.22	0.11	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Dividend growth	+19.62%	+22.08%	+39.15%	+35.19%	+31.15%	-25.83%	-55.74%	+3.54%	-24.17%	+54.55%	-49.52%	-48.27%	-24.51%	+30.96%	-29.42%	+26.15%	-6.99%	-15.17%	+63.17%	+35.43%	+26.66%	+14.26%	+19.19%	+19.10%	+4.32%	+15.24%	+94.66%	—	—	—	—	—	—	—	—	—	—	—	—	—
EBITDAWhat is EBITDA? EBITDA is earnings before interest, taxes, depreciation and amortization: operating profit with the yearly cost of wearing out assets added back.	20.94B	21.86B	22.32B	19.64B	18.24B	17.30B	734.00M	15.54B	16.63B	14.68B	13.13B	11.97B	12.97B	9.77B	5.75B	9.96B	13.99B	12.18B	12.12B	12.24B	10.14B	8.67B	5.23B	2.95B	2.56B	2.96B	2.66B	2.27B	2.11B	1.50B	1.42B	1.33B	1.12B	832.76M	875.38M	840.65M	429.31M	358.81M	296.95M	227.42M
EBITDA margin	18.88%	18.23%	17.18%	16.12%	20.95%	28.14%	1.21%	21.42%	23.87%	20.58%	18.82%	16.69%	18.72%	14.79%	7.77%	13.35%	20.93%	18.02%	17.76%	21.03%	20.98%	19.49%	20.99%	11.67%	8.27%	8.04%	7.28%	8.88%	9.09%	10.96%	11.58%	11.96%	14.01%	12.44%	14.39%	13.01%	—	—	—	—
EBIT	19.35B	18.68B	19.03B	16.46B	15.25B	14.55B	-2.08B	12.54B	14.20B	12.09B	10.77B	9.55B	10.68B	7.38B	3.57B	7.86B	12.05B	10.59B	10.85B	10.97B	9.00B	7.66B	4.39B	2.95B	2.56B	2.96B	2.66B	2.27B	2.11B	1.50B	999.28M	935.27M	886.32M	653.25M	674.54M	840.65M	0.00	0.00	0.00	0.00

Quarter	Q3 FY2026 30 Sept 2026	Q2 FY2026 30 Jun 2026	Q1 FY2026 31 Mar 2026	Q4 FY2025 31 Dec 2025	Q3 FY2025 29 Sept 2025	Q2 FY2025 30 Jun 2025	Q1 FY2025 31 Mar 2025	Q4 FY2024 31 Dec 2024	Q3 FY2024 30 Sept 2024	Q2 FY2024 30 Jun 2024	Q1 FY2024 31 Mar 2024	Q4 FY2023 31 Dec 2023	Q3 FY2023 30 Sept 2023	Q2 FY2023 30 Jun 2023	Q1 FY2023 31 Mar 2023	Q4 FY2022 31 Dec 2022	Q3 FY2022 30 Sept 2022	Q2 FY2022 30 Jun 2022	Q1 FY2022 31 Mar 2022	Q4 FY2021 31 Dec 2021	Q3 FY2021 30 Sept 2021	Q2 FY2021 30 Jun 2021	Q1 FY2021 31 Mar 2021	Q4 FY2020 31 Dec 2020	Q3 FY2020 30 Sept 2020	Q2 FY2020 30 Jun 2020	Q1 FY2020 31 Mar 2020	Q4 FY2019 31 Dec 2019	Q3 FY2019 30 Sept 2019	Q2 FY2019 30 Jun 2019	Q1 FY2019 31 Mar 2019	Q4 FY2018 31 Dec 2018	Q3 FY2018 30 Sept 2018	Q2 FY2018 30 Jun 2018	Q1 FY2018 31 Mar 2018	Q4 FY2017 31 Dec 2017	Q3 FY2017 30 Sept 2017	Q2 FY2017 30 Jun 2017	Q1 FY2017 31 Mar 2017	Q4 FY2016 31 Dec 2016
RevenueWhat is revenue? Revenue is the money a company brings in from selling its goods and services over a period, before any costs. It is the top line of the income statement.	32.72B	33.48B	29.68B	14.98B	12.10B	14.33B	31.58B	15.81B	14.94B	15.49B	33.74B	14.40B	14.70B	13.92B	28.30B	13.32B	13.29B	12.64B	17.74B	16.51B	15.39B	15.02B	14.58B	14.38B	14.28B	14.95B	16.88B	18.08B	17.98B	18.48B	18.22B	18.36B	16.56B	17.52B	17.24B	17.39B	17.61B	18.05B	18.41B	17.42B
Revenue growth	+170.34%	+133.61%	-6.02%	-5.27%	-18.99%	-7.48%	-6.41%	+9.80%	+1.67%	+11.29%	+19.23%	+8.10%	+10.61%	+10.15%	+59.52%	-19.33%	-13.70%	-15.84%	+21.71%	+14.82%	+7.84%	+0.46%	-13.66%	-20.47%	-20.59%	-19.11%	-7.32%	-1.48%	+8.58%	+5.46%	+5.66%	+5.55%	-5.96%	-2.91%	-6.38%	-0.18%	-0.39%	-7.31%	+7.89%	+56.57%
Cost of revenue	20.21B	20.07B	17.42B	3.17B	2.43B	3.45B	18.65B	3.12B	2.95B	3.44B	20.39B	3.48B	3.24B	2.94B	16.80B	13.98B	3.07B	9.98B	7.23B	5.53B	5.43B	4.70B	4.82B	5.42B	5.36B	6.67B	8.65B	7.72B	7.72B	7.55B	7.84B	7.88B	6.77B	7.15B	7.17B	7.22B	7.43B	7.23B	8.53B	8.40B
Gross profit	12.51B	13.41B	12.26B	11.80B	9.67B	10.89B	12.93B	12.69B	11.99B	12.05B	13.36B	10.92B	11.46B	10.98B	11.50B	-658.00M	10.21B	2.65B	10.51B	10.98B	9.97B	10.32B	9.75B	8.96B	8.91B	8.28B	8.23B	10.36B	10.25B	10.92B	10.37B	10.48B	9.79B	10.37B	10.07B	10.17B	10.17B	10.81B	9.88B	9.02B
Gross marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.	38.24%	40.06%	41.30%	78.81%	79.91%	75.95%	40.94%	80.27%	80.28%	77.77%	39.58%	75.84%	77.95%	78.91%	40.65%	-4.94%	76.87%	21.00%	59.24%	66.50%	64.75%	68.71%	66.90%	62.30%	62.43%	55.37%	48.74%	57.29%	57.03%	59.12%	56.95%	57.08%	59.13%	59.18%	58.39%	58.46%	57.79%	59.92%	53.68%	51.77%
Selling, general and administrative	3.57B	3.62B	5.00B	5.58B	4.46B	5.30B	5.29B	5.60B	5.21B	5.24B	5.38B	5.40B	5.34B	5.18B	5.03B	5.28B	5.02B	4.83B	4.52B	5.30B	4.40B	4.27B	4.13B	5.10B	3.39B	4.79B	4.50B	5.69B	4.65B	4.74B	4.67B	3.56B	4.80B	5.11B	4.53B	4.76B	5.16B	4.98B	4.91B	4.36B
Operating expenses	7.96B	8.56B	7.23B	6.88B	5.70B	6.47B	7.74B	8.09B	7.08B	7.12B	8.77B	7.00B	7.01B	6.72B	7.67B	-4.15B	6.37B	-1.09B	6.34B	7.15B	6.17B	6.51B	6.65B	7.77B	5.77B	16.58B	6.34B	6.53B	8.07B	7.99B	6.77B	6.86B	6.10B	7.16B	6.38B	7.57B	7.26B	7.54B	6.57B	6.41B
Operating income	4.80B	4.85B	5.03B	4.92B	3.98B	4.42B	5.19B	4.60B	4.92B	4.93B	4.58B	3.92B	4.45B	4.26B	3.83B	3.49B	3.85B	3.74B	4.17B	3.83B	3.80B	3.81B	3.10B	1.20B	3.14B	-8.30B	1.89B	3.83B	2.18B	2.93B	3.60B	3.62B	3.69B	3.21B	3.69B	2.60B	2.91B	3.27B	3.31B	2.62B
Operating income growth	+20.70%	+9.81%	-3.05%	+6.96%	-19.17%	-10.36%	+13.18%	+17.29%	+10.61%	+15.66%	+19.60%	+12.41%	+15.63%	+13.73%	-8.13%	-8.93%	+1.16%	-1.78%	+34.46%	+220.59%	+21.12%	—	+64.04%	-68.81%	+43.92%	-383.41%	-47.50%	+5.98%	-40.85%	-8.75%	-2.36%	+39.31%	+26.66%	-1.95%	+11.42%	-0.76%	-1.02%	+31.96%	+21.24%	+20.34%
Operating marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.	14.67%	14.48%	16.95%	32.85%	32.85%	30.81%	16.43%	29.09%	32.92%	31.79%	13.58%	27.23%	30.26%	30.59%	13.54%	26.19%	28.95%	29.63%	23.51%	23.20%	24.70%	25.39%	21.28%	8.31%	21.99%	-55.54%	11.20%	21.18%	12.13%	15.85%	19.77%	19.69%	22.27%	18.32%	21.40%	14.92%	16.53%	18.14%	17.98%	15.01%
Interest income	28.06B	28.08B	25.25B	10.79B	8.84B	10.59B	26.90B	11.99B	11.23B	11.47B	29.24B	11.12B	11.22B	10.52B	23.89B	10.16B	10.05B	9.55B	13.97B	12.83B	11.70B	11.18B	10.75B	10.61B	10.63B	11.29B	13.21B	14.03B	14.09B	14.39B	14.28B	14.42B	13.00B	13.56B	13.34B	13.55B	13.86B	14.22B	14.52B	14.11B
Interest expense	16.16B	15.65B	14.23B	—	—	—	15.53B	—	—	—	17.26B	—	—	—	13.49B	10.95B	—	7.34B	5.12B	4.12B	3.24B	2.94B	2.80B	2.59B	2.86B	3.58B	4.72B	5.19B	5.28B	5.44B	5.60B	5.36B	4.65B	5.09B	4.89B	4.95B	5.18B	5.61B	6.12B	6.01B
Other non-operating income	-244.75M	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Pretax income	4.55B	4.85B	5.03B	4.92B	3.98B	4.42B	5.19B	4.60B	4.92B	4.93B	4.58B	3.92B	4.45B	4.26B	3.83B	3.49B	3.85B	3.74B	4.17B	3.83B	3.80B	3.81B	3.10B	1.20B	3.14B	-8.30B	1.89B	3.83B	2.18B	2.93B	3.60B	3.62B	3.69B	3.21B	3.69B	2.60B	2.91B	3.27B	3.31B	2.62B
Income tax	1.18B	1.21B	1.25B	1.16B	1.02B	1.04B	1.45B	1.04B	1.33B	1.45B	1.47B	724.00M	1.27B	1.31B	967.00M	948.00M	1.16B	1.07B	1.30B	1.17B	1.25B	1.33B	1.14B	612.00M	1.09B	2.68B	1.24B	687.00M	1.29B	1.09B	1.36B	1.18B	1.33B	1.10B	1.28B	552.00M	1.08B	1.13B	1.13B	735.00M
Effective tax rate	26.01%	24.99%	24.86%	23.64%	25.62%	23.62%	27.88%	22.54%	27.04%	29.40%	32.03%	18.46%	28.58%	30.86%	25.23%	27.17%	30.27%	28.63%	31.22%	30.51%	32.90%	34.92%	36.85%	51.21%	34.79%	—	65.79%	17.93%	59.19%	37.28%	37.67%	32.56%	36.10%	34.21%	34.70%	21.27%	37.03%	34.48%	33.98%	28.11%
Net income	3.41B	3.58B	5.46B	3.76B	2.99B	3.43B	3.40B	3.27B	3.25B	3.21B	2.85B	2.93B	2.90B	2.67B	2.57B	2.29B	2.42B	2.35B	2.54B	2.28B	2.17B	2.07B	1.61B	277.00M	1.75B	-11.13B	331.00M	2.78B	501.00M	1.39B	1.84B	2.07B	1.99B	1.70B	2.05B	1.54B	1.46B	1.75B	1.87B	1.60B
Net income growth	+14.02%	+4.23%	+60.35%	+15.28%	-7.95%	+6.98%	+19.28%	+11.32%	+11.99%	+20.11%	+10.93%	+28.13%	+19.82%	+13.57%	+1.10%	+0.62%	+11.41%	+13.74%	+58.15%	+721.30%	+24.23%	—	+385.80%	-90.05%	+249.30%	-900.07%	-82.01%	+34.57%	-74.82%	-18.08%	-10.42%	+34.11%	+36.21%	-2.92%	+10.02%	-3.50%	-13.81%	+36.85%	+14.33%	+6,292.00%
Net marginWhat are gross, operating and net profit margins? A profit margin is the share of revenue kept as profit: gross margin after the cost of sales, operating margin after running costs, net margin after all costs.	10.42%	10.68%	18.38%	25.13%	24.72%	23.94%	10.77%	20.65%	21.75%	20.70%	8.45%	20.37%	19.75%	19.18%	9.09%	17.18%	18.23%	18.61%	14.33%	13.78%	14.12%	13.77%	11.03%	1.93%	12.26%	-74.46%	1.96%	15.39%	2.79%	7.53%	10.10%	11.27%	12.02%	9.69%	11.91%	8.87%	8.30%	9.69%	10.14%	9.17%
Basic shares	14.55B	14.68B	15.15B	14.87B	14.87B	14.87B	15.14B	15.14B	15.20B	15.20B	15.53B	15.89B	15.94B	15.94B	16.21B	16.55B	16.52B	16.52B	17.06B	17.06B	17.31B	17.31B	17.31B	17.31B	17.33B	17.33B	17.33B	17.33B	17.33B	16.93B	16.93B	16.94B	16.84B	16.84B	16.83B	16.84B	16.74B	15.47B	15.47B	15.47B
Diluted sharesWhat are shares outstanding? Shares outstanding are all the shares a company has issued that investors hold, insiders included. Their number times the share price is the market value.	16.92B	14.68B	15.15B	15.69B	15.93B	14.87B	16.20B	16.33B	16.25B	16.04B	16.78B	17.25B	15.94B	16.69B	17.14B	17.61B	16.52B	18.08B	17.06B	18.35B	18.74B	18.62B	17.31B	17.31B	17.33B	17.33B	17.37B	18.15B	17.33B	16.93B	16.98B	17.09B	16.84B	16.84B	16.88B	16.84B	19.06B	15.47B	15.47B	15.47B
Change in diluted shares	+6.21%	-1.29%	-6.46%	-3.92%	-1.99%	-7.27%	-3.44%	-5.38%	+1.94%	-3.91%	-2.12%	-2.01%	-3.49%	-7.73%	+0.45%	-4.03%	-11.87%	-2.88%	-1.44%	+5.98%	+8.13%	+7.44%	-0.31%	-4.62%	+0.03%	+2.38%	+2.29%	+6.21%	+2.90%	+0.55%	+0.55%	+1.50%	-11.64%	+8.84%	+9.14%	+8.85%	+16.57%	-7.15%	+2.64%	+1.50%
EPS (basic)	0.23	0.24	0.36	0.25	0.20	0.22	0.22	0.22	0.21	0.21	0.19	0.18	0.17	0.16	0.15	0.13	0.14	0.13	0.14	0.09	0.13	0.12	0.08	-0.01	0.13	-0.67	0.01	0.12	0.03	0.06	0.10	0.11	0.11	0.08	0.12	0.09	0.09	0.11	0.11	0.10
EPS (diluted)What is EPS (earnings per share)? EPS (earnings per share) is a company's net income divided by its number of shares: the profit that belongs to each share over a period.	0.20	0.24	0.36	0.24	0.19	0.22	0.21	0.20	0.20	0.20	0.17	0.17	0.18	0.16	0.15	0.13	0.14	0.13	0.14	0.09	0.11	0.10	0.08	-0.01	0.13	-0.67	0.01	0.12	0.03	0.06	0.10	0.11	0.11	0.08	0.12	0.09	0.09	0.11	0.11	0.10
EPS growth	+5.26%	+9.09%	+71.43%	+20.00%	-5.00%	+10.00%	+23.53%	+17.65%	+11.11%	+25.00%	+13.33%	+30.77%	+28.57%	+23.08%	+7.14%	+40.09%	+27.27%	+34.85%	+75.00%	—	-15.38%	—	+627.27%	-111.75%	+304.98%	-1,135.55%	-88.97%	+9.09%	-70.82%	-23.25%	-16.92%	+28.96%	+27.61%	-23.36%	+9.09%	-11.61%	-21.64%	+53.42%	+10.00%	—
Dividends per share	0.00	0.15	0.00	0.13	0.00	0.12	0.00	0.11	0.00	0.10	0.00	0.09	0.00	0.07	0.00	0.06	0.00	0.05	0.00	0.06	0.00	0.03	0.00	0.11	0.00	0.00	0.00	0.12	0.00	0.07	0.07	0.04	0.07	0.07	0.07	0.04	0.17	0.06	0.06	0.05
Dividend growth	—	+17.63%	—	+21.89%	—	+22.28%	—	+26.51%	—	+55.78%	—	+49.07%	—	+20.42%	—	+2.54%	—	+86.48%	—	-51.10%	—	—	—	-3.42%	—	-100.00%	-100.00%	+212.11%	-100.00%	+1.06%	-0.48%	-14.41%	-57.85%	+19.50%	+25.71%	-6.74%	+191.69%	+4.30%	+9.04%	-7.14%
EBITDAWhat is EBITDA? EBITDA is earnings before interest, taxes, depreciation and amortization: operating profit with the yearly cost of wearing out assets added back.	4.55B	4.85B	5.86B	5.68B	4.77B	5.22B	6.04B	5.42B	5.73B	5.75B	5.41B	4.70B	5.25B	5.08B	4.62B	4.24B	4.64B	4.48B	4.88B	4.52B	4.49B	4.51B	3.79B	1.91B	3.82B	-7.61B	2.62B	4.62B	2.91B	3.66B	4.35B	4.27B	4.24B	3.81B	4.30B	3.29B	3.52B	3.94B	3.94B	3.24B
EBITDA margin	13.92%	14.48%	19.74%	37.90%	39.43%	36.42%	19.13%	34.30%	38.37%	37.14%	16.04%	32.64%	35.70%	36.46%	16.33%	31.82%	34.92%	35.47%	27.48%	27.39%	29.13%	30.04%	25.97%	13.24%	26.76%	-50.92%	15.52%	25.56%	16.20%	19.80%	23.88%	23.24%	25.63%	21.77%	24.96%	18.91%	19.97%	21.83%	21.40%	18.60%
EBIT	4.55B	4.85B	5.03B	4.92B	3.98B	4.42B	5.19B	4.60B	4.92B	4.93B	4.58B	3.92B	4.45B	4.26B	3.83B	3.49B	3.85B	3.74B	4.17B	3.83B	3.80B	3.81B	3.10B	1.20B	3.14B	-8.30B	1.89B	3.83B	2.18B	2.93B	3.60B	3.62B	3.69B	3.21B	3.69B	2.60B	2.91B	3.27B	3.31B	2.62B

Figures in EUR. Shares and EPS are adjusted for stock splits. Quarterly growth is on the same quarter a year before; TTM is the last four quarters.

Common questions about Banco Santander SA's income statement

Source: Financial Modeling Prep

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Banco Santander SA income statement 1987–2026What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.

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Banco Santander SA income statement 1987–2026What is an income statement? The income statement shows a company's revenue, costs and profit over a quarter or a year, from sales at the top to net income at the bottom.

Common questions about Banco Santander SA's income statement

What is Banco Santander SA's revenue?

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