Banco Santander, S.A. (SAN) Financial Ratio Screen
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MSCI new-inclusion financial-ratio snapshot
SAN financial screening at a glance
Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.
Independent method comparison
What the available screens say
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Business activity evidence
Business exclusion flag
The supplied classification (Banks - Diversified) matches a prohibited-activity category.
Revenue segments: SEC filing extraction found 20 dimensioned facts; 0 have passed extraction review. No activity conclusion is made. Open the SEC annual filing.
View SEC-extracted business segments
- Underlying Profit Items — 107.1% of filing total · extraction pending
- Retail And Commercial Banking — 62.4% of filing total · extraction pending · signal: conventional_finance
- Digital Consumer Bank — 26.1% of filing total · extraction pending · signal: conventional_finance
- BR — 22.1% of filing total · extraction pending
- ES — 17.2% of filing total · extraction pending
- US — 13.9% of filing total · extraction pending
- GB — 11.8% of filing total · extraction pending
- MX — 10.8% of filing total · extraction pending
- Corporate And Investment Banking Segment — 9.6% of filing total · extraction pending · signal: conventional_finance
- Adjustment Due To Poland Disposal — 7.1% of filing total · extraction pending
- Discontinued Operations — 3.0% of filing total · extraction pending
- PL — 7.0% of filing total · extraction pending
Profile description reviewed: Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; corporate and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. The company was incorporated in 1856 and is headquartered in Madrid, Spain.
Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings
A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.
Published-ratio reproductions (not certifications)
The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| MSCI | Excluded — Banks - Diversified | BUSINESS EXCLUSION FLAG* | |||
| FTSE | Excluded — Banks - Diversified | BUSINESS EXCLUSION FLAG* | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 43.4% | |
| Net Margin | 33.5% | |
| Return on Equity (ROE) | 13.1% | |
| Return on Assets (ROA) | 0.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | -$14.8B |
| Free Cash Flow | -$22.5B |
| Total Debt | $326.2B |
| Total Assets | $1.9T |
Price & Trading
| Last Close | $14.21 |
| 50-Day MA | $13.90 |
| 200-Day MA | $12.28 |
| Avg Volume | 12.2M |
| Beta | 0.9 |
|
52-Week Range
$9.31
| |
Financial data provenance and verification
The displayed fields were imported from yfinance on 2026-08-24 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.
- Issuer website — use its investor-relations filings to verify the figures.
- SEC EDGAR filing search — primary filing source for US issuers.
- Field mapping, formulas and limitations.
Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.
About Banco Santander, S.A. (SAN)
Banco Santander, S.A. provides various financial products and services to individuals, small and medium-sized enterprises, large corporations, and public entities worldwide. The company operates through five segments: Retail & Commercial Banking, Digital Consumer Bank, Corporate & Investment Banking, Wealth Management & Insurance, and Payments. It offers demand and time deposits, mutual funds, and current and savings accounts; mortgages, consumer finance, loans, and various financing solutions; and project finance, debt capital markets, global transaction banking, and corporate finance services. The company also provides credit and debit cards, real estate loans, microfinance, and auto loans; corporate and investment banking services; advice on mergers and acquisitions; wealth, asset, and risk management services; and digital payments and technology solutions. In addition, it is involved in the securitization, leasing, management of portfolios, e-commerce, air transport, aircraft rental, software, consulting, fund and investment management, renewable energy, vehicle rental, insurance, advertising, marketing, telemarketing, automotive, agricultural, factoring, securities brokerage and investment, pension fund management, trade intermediary, venture capital fund, renting, restaurant, electricity production, IT, internet, and financial advisory and other activities; management, and other real estate activities; and purchase and sale of vehicles. Further, the company offers mobile and online banking services. Banco Santander, S.A. was formerly known as Banco Santander Central Hispano SA and changed its name to Banco Santander, S.A. in February 2007. The company was incorporated in 1856 and is headquartered in Madrid, Spain.
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Frequently Asked Questions
Is Banco Santander, S.A. (SAN) halal to invest in?
The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.
What is Banco Santander, S.A.'s debt ratio?
Banco Santander, S.A.'s debt ratio is not available in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.
What are Banco Santander, S.A.'s key financial metrics?
Banco Santander, S.A. has a market capitalization of USD 212232M in its listing currency, trailing P/E ratio of 14.2, and revenue of $60.0B. Return on equity stands at 13.1%.
How often is the screening data updated?
Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.