Summary
BSDK Chart
Banco Santander Q2: Just A Little Better Than The Last Result
I recommend holding Santander Brasil shares after Q2 2025 results, which showed mixed performance and fell short of market expectations. The bank remains conservative with modest loan growth, slight improvement in delinquency rates, and strong expense management amid a challenging macroeconomic backdrop. Valuation appears cheap, but peers like Itaú and Banco do Brasil offer more attractive risk/reward profiles based on P/E, ROE, and P/B ratios.
Banco Santander Q2 Earnings: Another Record Bottom Line
Banco Santander has continued to perform strongly, with the ADSs returning another ~25% since my last update in May. This takes their year-to-date return to nearly 100%. Q2 results saw the bank deliver another record net profit, even as lower interest rates weigh on parts of its business. The stock has re-rated to a rich-looking premium to tangible book value, albeit the bank continues to earn a strong mid-teens return on tangible equity.
Banco Santander, S.A. (SAN) H1 2025 Earnings Call Transcript
Banco Santander, S.A. (NYSE:SAN ) H1 2025 Earnings Call July 30, 2025 4:00 AM ET Company Participants Hector Blas Grisi Checa - Group CEO & Executive Director Jose Antonio Garcia-Cantera - Senior EVP & Group Chief Financial Officer Raul Sinha - Corporate Participant Conference Call Participants Alvaro Serrano Saenz de Tejada - Morgan Stanley, Research Division Andrea Filtri - Mediobanca—Banca di credito finanziario S.p.A.
Banco Santander S.A. Sponsored ADR Dividends
 SAN In 3 months Estimated | Other | $0.12 Per Share |
| SAN 3 months ago Paid | Other | $0.12 Per Share |
| SAN 8 months ago Paid | Other | $0.11 Per Share |
| SAN 29 Apr 2024 Paid | Other | $0.1 Per Share |
| SAN 31 Oct 2023 Paid | Other | $0.09 Per Share |
| SAN 27 Apr 2023 Paid | Other | $0.06 Per Share |
Banco Santander S.A. Sponsored ADR Earnings
| 29 Oct 2025 (In 3 months) Date | | 0.24 Cons. EPS | - EPS |
| 30 Jul 2025 30 Jul 2025 Date | | 0.25 Cons. EPS | - EPS |
| 28 Apr 2025 Date | | - Cons. EPS | - EPS |
| 29 Jan 2025 Date | | 0.2 Cons. EPS | 0.21 EPS |
| 30 Oct 2024 Date | | 0.23 Cons. EPS | - EPS |
| SAN In 3 months Estimated | Other | $0.12 Per Share |
| SAN 3 months ago Paid | Other | $0.12 Per Share |
| SAN 8 months ago Paid | Other | $0.11 Per Share |
| SAN 29 Apr 2024 Paid | Other | $0.1 Per Share |
| SAN 31 Oct 2023 Paid | Other | $0.09 Per Share |
| SAN 27 Apr 2023 Paid | Other | $0.06 Per Share |
| 29 Oct 2025 (In 3 months) Date | | 0.24 Cons. EPS | - EPS |
| 30 Jul 2025 30 Jul 2025 Date | | 0.25 Cons. EPS | - EPS |
| 28 Apr 2025 Date | | - Cons. EPS | - EPS |
| 29 Jan 2025 Date | | 0.2 Cons. EPS | 0.21 EPS |
| 30 Oct 2024 Date | | 0.23 Cons. EPS | - EPS |
Banco Santander S.A. Sponsored ADR (BSDK) FAQ
What is the stock price today?
On which exchange is it traded?
What is its stock symbol?
Does it pay dividends? What is the current yield?
What is its market cap?
What is the earnings per share?
When is the next earnings date?
Has Banco Santander S.A. Sponsored ADR ever had a stock split?
Banco Santander S.A. Sponsored ADR Profile
| Banks - Diversified Industry | Financial Services Sector | Hector Blas Grisi Checa CEO | XBER Exchange | US05964H1059 ISIN |
| ES Country | 206,736 Employees | 30 Apr 2025 Last Dividend | 21 Jun 1999 Last Split | 29 Jul 1987 IPO Date |
Overview
Banco Santander, S.A., a global banking institution, offers a comprehensive suite of financial services across various segments. With a historical foundation dating back to 1856, the bank has evolved through significant milestones, including a name change from Banco Santander Central Hispano SA to Banco Santander, S.A. in February 2007. The bank's vast operations extend worldwide, providing a myriad of financial solutions to retail, business, institutional, and private banking clients, including university customers. Headquartered in Madrid, Spain, Banco Santander stands as a testament to enduring financial service and innovation in the global banking sector.
Products and Services
Retail Banking: Catering to individual customers, this segment offers a variety of banking products such as demand and time deposits, mutual funds, and current and savings accounts. It also includes credit products like mortgages and consumer finance, providing comprehensive banking solutions tailored to meet the daily financial needs of retail customers.
Santander Corporate & Investment Banking: This division is focused on meeting the financial needs of corporate clients, offering project finance, debt capital markets, global transaction banking, and corporate finance services. It is designed to support businesses with their complex financial requirements, ranging from capital raising to financial advisory services.
Wealth Management & Insurance: Offering asset management and private banking services, this segment addresses the wealth accumulation and protection needs of clients. It includes a range of insurance products, ensuring that clients' investments and assets are safeguarded against unforeseen circumstances.
PagoNxt: A testament to Banco Santander's commitment to innovation and digital transformation, PagoNxt offers modern digital payment solutions. This segment represents the bank's strategic move towards embracing technology to facilitate convenient, secure, and efficient transactions for its customers and clients.
Other Financial Services: In addition to the core segments, Banco Santander provides a variety of other services including online banking facilities. These are aimed at enhancing the banking experience for retail, business, and corporate clients by offering accessible financial services through digital platforms. The emphasis on digital banking underscores the bank's focus on meeting the evolving needs of its global customer base.
Contact Information
