Banco Santander, S.A. SAN NYSE

Banco Santander, S.A. (SAN) reported total assets of $1.87T and total liabilities of $1.75T for fiscal year 2025, resulting in total equity of $112.7B.

The company held $318.2B in cash and short-term investments. Total debt stood at $496.64B, with net debt of $317.34B. The Debt-to-Equity (D/E) ratio was 4.41 (leveraged).

Current ratio is 1.25, suggesting adequate short-term liquidity. Interest coverage is 0.3x (weak).

Criteria supported by this page:

• HEALTH (17/100, Fail) — the balance sheet shows elevated risk in debt or liquidity metrics
• MOAT (72/100) — Total assets $1.87T and equity $112.7B support the company's competitive scale
• VALUE (68/100) — Debt-to-Equity 4.41 contributes to the overall valuation risk assessment

Overall SharesGrow Score: 61/100 with 4/7 criteria passed.

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