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Banco Santander, S.A. BCDRF OTC

Other OTC • Financial Services • Banks - Diversified • ES • USD

SharesGrow Score
68/100
4/7 Pass
SharesGrow Intrinsic Value
N/A
Negative cash flow

Banco Santander, S.A. (BCDRF) reported total assets of $1.87T and total liabilities of $1.75T for fiscal year 2025, resulting in total equity of $112.71B.

The company held $332.5B in cash and short-term investments. Total debt stood at $496.64B, with net debt of $224.73B. The Debt-to-Equity (D/E) ratio was 4.41 (leveraged).

Current ratio is 1.76, indicating strong short-term liquidity. Interest coverage is 0.3x (weak).

Criteria supported by this page:

  • HEALTH (33/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
  • MOAT (72/100) — Total assets $1.87T and equity $112.71B support the company's competitive scale
  • VALUE (85/100) — Debt-to-Equity 4.41 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 68/100 with 4/7 criteria passed.

SharesGrow 7-Criteria Score
68/100
SG Score
View full scorecard →
VALUE
85/100
Price-to-Earnings & upside
→ Valuation
~
FUTURE
40/100
Analyst consensus
→ Forecast
PAST
100/100
→ Income
HEALTH
33/100
Debt-to-Equity & liquidity
Proven by this page
MOAT
72/100
→ Income
GROWTH
90/100
→ Income
~
INCOME
55/100
→ Income
Banco Santander, S.A. Balance Sheet History
Metric FY2025 FY2024 FY2023 FY2022
Total Assets $1.87T$1.84T$1.8T$1.73T
Total Liabilities $1.75T$1.73T$1.69T$1.64T
Total Debt $496.64B$327.72B$308.58B$282.96B
Cash & Investments $332.5B$383.73B$220.34B$324.25B
Total Stockholders Equity $103.13B$98.6B$95.42B$89.1B
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