西班牙桑坦德银行 SAN
$11.74 −$0.27 (-2.25%)
休市 · Nov 6, 8:20 pm ET · 最新盘后价 $11.74 0.00%
开盘$11.73
昨收$12.01
当日区间$11.70 – $11.89
成交量9.02M
市值$169.27B
市盈率（TTM）9.9
股息率2.31%
基本面
最新报告季度：Q3, ended Sep 2026 · 报告货币为EUR
营收€15.81B+11.5% YoY
净利润€3.64B-6.5% YoY
摊薄每股收益€0.23+4.5% YoY
自由现金流-€10.76B-161.7% YoY
经营现金流-€8.88B
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率26.5%
净资产收益率15.8%
资产收益率0.9%
负债/资产比率94.4%
现金及投资€317.83B
总负债€354.33B
净现金（净负债）-€36.49B
营收构成
2026/Q3 季度
按业务线
该公司以本国货币报告财务数据，并非美元。以下数字均标注了实际货币单位，未自动换算。
利润表
| 项目 | 2026 Q3 (EUR) |
2026 Q2 (EUR) |
2026 Q1 (EUR) |
2025 ANNUAL (EUR) |
2025 Q4 (EUR) |
|---|---|---|---|---|---|
| 营业总收入 | €15.81B | €15.52B | €15.44B | €60.02B | €14.98B |
| 净利息收入 | €11.83B | €11.69B | €11.02B | €42.35B | €10.79B |
| -利息收入 | €11.83B | €11.69B | €25.25B | €101.71B | €10.79B |
| 非利息收入 | €3.98B | €3.83B | €4.43B | €17.68B | €4.19B |
| -手续费及佣金 | €3.50B | €3.49B | €3.36B | €12.37B | €3.48B |
| -股息收入 | €135.00M | €534.00M | €90.00M | €715.00M | €156.00M |
| -资产出售损益 | €347.00M | €81.00M | €600.00M | €886.00M | €709.00M |
| 信用损失准备 | -€3.48B | -€3.37B | -€3.19B | -€12.52B | -€3.17B |
| 非利息支出 | €7.15B | €7.05B | €7.52B | €29.51B | €7.04B |
| 销售及管理费用 | €5.65B | €5.57B | €5.00B | €21.47B | €5.58B |
| -管理费用 | €5.65B | €5.57B | €4.88B | €20.95B | €5.58B |
| 折旧、摊销与折耗 | €787.00M | €839.00M | €828.00M | €3.18B | €756.00M |
| -折旧与摊销 | €787.00M | €839.00M | €828.00M | €3.18B | €756.00M |
| 其他非利息支出 | €713.00M | €648.00M | €1.53B | €4.86B | €710.00M |
| 其他收入（支出） | -€360.00M | -€161.00M | €295.00M | €685.00M | €158.00M |
| 联营企业及其他参股权益收益 | €246.00M | €163.00M | €313.00M | €665.00M | €185.00M |
| 特殊收益（费用） | -€606.00M | -€324.00M | -€18.00M | €20.00M | -€27.00M |
| -减：重组及并购费用 | €128.00M | €332.00M | €0.00 | -€22.00M | €0.00 |
| -减：资本性资产减值 | €2.00M | – | €17.00M | €313.00M | – |
| -减：其他特殊支出 | -€21.00M | -€16.00M | -€4.00M | -€90.00M | -€36.00M |
| -减：核销 | €497.00M | €8.00M | €5.00M | €10.00M | €63.00M |
| 税前利润 | €4.83B | €4.93B | €5.03B | €18.68B | €4.92B |
| 税费 | €1.19B | €1.19B | €1.25B | €4.72B | €1.16B |
| 净利润 | €3.64B | €3.74B | €5.67B | €15.50B | €4.15B |
| 持续经营利润 | €3.64B | €3.74B | €3.78B | €13.96B | €3.76B |
| 终止经营净利润 | €0.00 | €0.00 | €1.90B | €1.54B | €390.00M |
| 少数股东权益 | €204.00M | €222.00M | €219.00M | €1.40B | €383.00M |
| 归属母公司净利润 | €3.43B | €3.52B | €5.46B | €14.10B | €3.76B |
| 归属普通股股东净利润 | €3.43B | €3.52B | €5.46B | €14.72B | €3.76B |
| 基本每股收益 | €0.23 | €0.23 | €0.36 | €0.91 | €0.24 |
| 摊薄每股收益 | €0.23 | €0.23 | €0.36 | €0.90 | €0.24 |
| 每股股息 | €0.00 | €0.12 | €0.00 | €0.22 | €0.11 |
| -其他非利息收入 | – | -€282.00M | €312.00M | €1.58B | -€151.00M |
| -利息支出 | – | – | €14.23B | €59.36B | – |
| -已赚保费合计 | – | – | €26.00M | €91.00M | – |
| -交易损益 | – | – | €81.00M | €1.02B | – |
| -外汇交易收益 | – | – | -€41.00M | €407.00M | – |
| 物业及设备费用 | – | – | €162.00M | – | – |
| -销售及营销费用 | – | – | €121.00M | €517.00M | – |
| -投资银行业务利润 | – | – | – | €602.00M | – |
| -Gain on Sale of Business | – | – | – | €231.00M | – |
| 优先股股息 | – | – | – | -€622.00M | – |
资产负债表
| 项目 | 2026 Q3 (EUR) |
2026 Q2 (EUR) |
2026 Q1 (EUR) |
2025 ANNUAL (EUR) |
2025 Q4 (EUR) |
|---|---|---|---|---|---|
| 总资产 | €2.10T | €1.95T | €1.86T | €1.87T | €1.87T |
| 现金、现金等价物及联邦基金出售 | €317.83B | €267.56B | €271.40B | €246.29B | €246.29B |
| -现金及现金等价物 | €317.83B | €267.56B | €271.40B | €179.30B | €179.30B |
| 证券投资 | €395.91B | €374.64B | €350.27B | €330.15B | €330.15B |
| -交易性证券 | €139.09B | €136.79B | €132.09B | €120.60B | €120.60B |
| -可供出售证券 | €192.04B | €175.28B | €159.09B | €191.25B | €191.25B |
| -短期投资 | €64.78B | €62.57B | €59.08B | €18.31B | €18.31B |
| 长期股权投资 | €7.98B | €7.72B | €7.65B | €7.05B | €7.05B |
| 衍生资产 | €74.44B | €63.75B | €68.41B | €62.34B | €62.34B |
| 贷款净额 | €1.21T | €1.15T | €1.07T | €1.06T | €1.06T |
| -贷款总额 | €1.23T | €1.17T | €1.09T | €1.08T | €1.08T |
| -贷款及租赁损失准备 | €23.60B | €22.80B | €22.22B | €21.16B | €21.16B |
| 应收款 | €11.44B | €11.14B | €9.72B | €11.13B | €11.13B |
| -其他应收款 | €11.44B | €11.14B | €9.72B | €11.13B | €11.13B |
| 固定资产净值 | €25.59B | €25.52B | €25.76B | €26.42B | €26.42B |
| -固定资产原值 | €25.59B | €25.52B | €25.76B | €43.19B | €43.19B |
| 商誉及其他无形资产 | €26.14B | €18.77B | €17.53B | €17.31B | €17.31B |
| -商誉 | €18.92B | €13.14B | €12.25B | €11.96B | €11.96B |
| -其他无形资产 | €7.21B | €5.63B | €5.28B | €5.35B | €5.35B |
| 设定受益养老金 | €61.00M | €63.00M | €65.00M | €851.00M | €851.00M |
| 递延资产 | €20.94B | €20.34B | €19.65B | €18.94B | €18.94B |
| 持有待售资产 | €2.83B | €2.87B | €2.86B | €75.01B | €75.01B |
| 其他资产 | €12.29B | €12.93B | €12.51B | €5.63B | €5.63B |
| 负债合计 | €1.98T | €1.84T | €1.74T | €1.75T | €1.75T |
| 存款合计 | €1.22T | €1.13T | €1.06T | €992.40B | €992.40B |
| 衍生产品负债 | €68.92B | €56.76B | €63.91B | €56.27B | €56.27B |
| 交易性负债 | €96.93B | €91.70B | €95.13B | €69.52B | €69.52B |
| 应付款 | €4.09B | €3.82B | €3.92B | €12.46B | €12.46B |
| -应付税款合计 | €4.09B | €3.82B | €3.92B | €9.94B | €9.94B |
| 长期债务及融资租赁负债 | €354.33B | €348.07B | €328.62B | €284.94B | €284.94B |
| -长期债务 | €354.33B | €348.07B | €328.62B | €283.58B | €283.58B |
| 非流动负债 | €3.10B | €3.24B | €3.00B | €2.72B | €2.72B |
| 员工福利 | €2.59B | €2.67B | €2.58B | €2.65B | €2.65B |
| 一年以上递延负债 | €5.65B | €5.97B | €5.78B | €5.90B | €5.90B |
| 终止经营负债 | €0.00 | €0.00 | €0.00 | €63.00B | €63.00B |
| 其他负债 | €226.07B | €192.59B | €181.88B | €44.21B | €44.21B |
| 股东权益合计 | €118.40B | €115.90B | €112.55B | €112.75B | €112.75B |
| 股东权益 | €111.51B | €109.35B | €106.03B | €103.17B | €103.17B |
| 股本 | €7.28B | €7.35B | €7.35B | €7.35B | €7.35B |
| -普通股 | €7.28B | €7.35B | €7.35B | €7.35B | €7.35B |
| 资本公积 | €35.16B | €36.79B | €36.79B | €36.79B | €36.79B |
| 留存收益 | €114.86B | €111.43B | €107.94B | €106.06B | €106.06B |
| 减：库存股 | €1.53B | €3.82B | €2.68B | €96.00M | €96.00M |
| 不影响留存收益的损益 | -€44.70B | -€42.76B | -€43.71B | -€47.20B | -€47.20B |
| 其他权益权益 | €456.00M | €355.00M | €337.00M | €273.00M | €273.00M |
| 少数股东权益 | €6.89B | €6.55B | €6.52B | €9.58B | €9.58B |
| -货币市场投资 | – | – | – | €67.00B | €67.00B |
| -累计折旧 | – | – | – | -€16.78B | -€16.78B |
| 预付资产 | – | – | – | €3.12B | €3.12B |
| 联邦基金购入及回购协议下证券出售 | – | – | – | €170.43B | €170.43B |
| 短期债务及融资租赁负债 | – | – | – | €41.27B | €41.27B |
| -一年内到期债务 | – | – | – | €40.81B | €40.81B |
| -一年内到期融资租赁负债 | – | – | – | €466.00M | €466.00M |
| -应付账款 | – | – | – | €2.52B | €2.52B |
| 一年内应计费用 | – | – | – | €9.02B | €9.02B |
| -长期融资租赁负债 | – | – | – | €1.36B | €1.36B |
现金流量表
| 项目 | 2025 ANNUAL (EUR) |
2024 ANNUAL (EUR) |
2023 ANNUAL (EUR) |
2022 ANNUAL (EUR) |
2021 ANNUAL (EUR) |
|---|---|---|---|---|---|
| 经营活动现金流 | -€14.84B | -€24.16B | €5.02B | €27.71B | €56.69B |
| 持续经营经营活动现金流净额 | -€14.84B | -€24.16B | €5.02B | €27.71B | €56.69B |
| 持续经营净利润 | €15.50B | €13.74B | €12.18B | €10.76B | €9.65B |
| 折旧、折耗与摊销 | €3.18B | €3.18B | €3.09B | €2.99B | €2.76B |
| 其他非现金项目 | €28.17B | €25.18B | €23.86B | €20.99B | €18.61B |
| 营运资金变动 | -€56.73B | -€60.38B | -€28.90B | -€1.53B | €29.69B |
| -其他流动资产变动 | -€237.00M | -€1.14B | €565.00M | -€1.54B | €7.06B |
| -其他流动负债变动 | €298.00M | -€6.95B | €503.00M | -€5.59B | -€9.26B |
| -Change in Other Working Capital | -€56.79B | -€52.30B | -€29.97B | €5.60B | €31.88B |
| 投资活动现金流净额 | €534.00M | -€3.71B | -€5.37B | -€3.90B | -€3.72B |
| 持续经营投资活动现金流净额 | €534.00M | -€3.71B | -€5.37B | -€3.90B | -€3.72B |
| 固定资产购置及出售净额 | -€648.00M | -€2.53B | -€4.37B | -€3.51B | -€3.63B |
| 无形资产购置及出售净额 | -€1.81B | -€2.10B | -€2.20B | -€1.77B | -€1.39B |
| 业务购买及出售净额 | -€133.00M | -€63.00M | -€389.00M | -€50.00M | -€134.00M |
| 投资购置及出售净额 | €670.00M | -€5.00M | €675.00M | €381.00M | €546.00M |
| 其他投资变动净额 | €2.45B | €988.00M | €917.00M | €1.05B | €894.00M |
| 筹资活动现金流 | -€14.20B | -€5.51B | -€2.06B | -€9.96B | -€1.32B |
| 持续经营筹资活动现金流净额 | -€14.20B | -€5.51B | -€2.06B | -€9.96B | -€1.32B |
| Net Issuance Payments of Debt | -€6.54B | €2.91B | €4.08B | -€2.17B | €2.66B |
| 普通股发行净额 | -€3.27B | -€4.02B | -€2.28B | -€1.48B | -€791.00M |
| 已付现金股利 | -€3.34B | -€3.02B | -€2.26B | -€1.85B | -€1.31B |
| 其他筹资活动净额 | -€1.06B | -€1.37B | -€1.59B | -€4.47B | -€1.87B |
| 期末现金余额 | €154.80B | €192.21B | €220.34B | €223.07B | €210.69B |
| 现金净变动 | -€28.50B | -€33.38B | -€2.41B | €13.84B | €51.65B |
| 期初现金余额 | €192.21B | €220.34B | €223.07B | €210.69B | €153.84B |
| 汇率变动影响 | -€8.91B | €5.24B | -€322.00M | -€1.46B | €5.20B |
| 自由现金流 | -€22.49B | -€34.75B | -€8.63B | €16.87B | €45.29B |
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