Banco Santander SA

NYSE:SANFinancial Services

$13.30−1.19%At closeAt close · Sat 17 Oct · ≈ AED 48.84 · Market cap — · Next earnings Wed 28 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	56.8%	66.7%	49.8%	38.5%	39.4%	40.0%	—	—
Operating margin	−3.4%	23.7%	17.5%	13.5%	14.6%	15.6%	15.6%	+0.0 pts
Net margin	−14.5%	13.2%	11.0%	9.1%	9.7%	11.8%	12.9%	+1.2 pts
EBITDA margin	1.2%	28.1%	21.0%	16.1%	17.2%	18.2%	—	—
Return on equity	−10.8%	9.3%	10.8%	11.6%	12.8%	13.7%	13.7%	+0.1 pts
Return on assets	−0.6%	0.5%	0.6%	0.6%	0.7%	0.8%	0.8%	+0.1 pts
Return on capital employed	−0.4%	2.6%	2.9%	1.0%	1.0%	3.3%	—	—
Debt / equity	4.0×	3.8×	4.8×	3.3×	4.9×	4.8×	4.4×	−8.5%
Debt / assets	21.4%	21.0%	24.5%	17.3%	26.3%	26.6%	—	—
Interest coverage	−0.2×	1.1×	0.5×	0.3×	0.3×	0.3×	—	—
Current ratio	0.3×	0.3×	0.3×	5.9×	21.5×	0.2×	0.2×	+0.0%
Quick ratio	0.3×	0.3×	0.3×	5.9×	21.5×	0.2×	—	—
Cash ratio	0.2×	0.2×	0.2×	3.5×	18.6×	0.1×	0.1×	+0.0%
Asset turnover	0.0×	0.0×	0.1×	0.1×	0.1×	0.1×	—	—
Receivables turnover	11.3×	10.7×	—	11.5×	11.4×	—	—	—
Dividend payout	0.0%	16.2%	19.2%	20.4%	24.0%	23.7%	—	—

Margins, returns, leverage and liquidityUpdated 31 Dec 2025 ·

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Current snapshot ratios have no reporting date and are shown separately from fiscal periods.