Banco Santander, S.A. SAN NYSE

NYSE • Financial Services • Banks - Diversified • ES • USD

SharesGrow Score

61/100

4/7 Pass

SharesGrow Intrinsic Value

Income Statement Balance Sheet Cash Flow Statement

Annual Quarterly

Banco Santander, S.A. (SAN) generated $0.00 in operating cash flow for fiscal year 2025. After capital expenditures of $0.00, free cash flow was $0.00.

Free cash flow margin was 0% of revenue.

Criteria supported by this page:

HEALTH (17/100, Fail) — weak cash flow raises concerns about debt servicing
MOAT (72/100, Pass) — $0.00 (0% FCF margin) supports a durable competitive advantage

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

SharesGrow 7-Criteria Score

61/100

SG Score

View full scorecard →

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VALUE

68/100

Price-to-Earnings & upside

→ Valuation

✗

FUTURE

28/100

Analyst consensus

→ Forecast

✓

PAST

100/100

→ Income

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HEALTH

17/100

Debt-to-Equity & liquidity

Proven by this page

✓

MOAT

72/100

Proven by this page

✓

GROWTH

90/100

→ Income

INCOME

55/100

→ Income

Banco Santander, S.A. Cash Flow History

Metric	TTM	FY2025	FY2024	FY2023	FY2022
Operating Cash Flow	$-7.82B	$0.00	$-24.16B	$5.02B	$27.71B
Capital Expenditure	$-4.48B	$0.00	$-8.49B	$-13.64B	$-10.84B
Free Cash Flow	$-12.3B	$0.00	$-32.65B	$-8.63B	$16.87B