Also trades as: BSANTANDER.SN (SGO) · $vol 8M

$31.78

+0.12 (+0.38%)

Weekly Expected Move ±3.1%

$30 $31 $32 $33 $34

NYSE · Financial Services · Banks - Regional · Tech Score Sell · Power 34 · $15.0B mcap · 471M float · 0.072% daily turnover · Short 66% of daily vol

Credit Risk of going bust: not rated, financial company (lending is its business) Bonds: none of note held by US funds details ▾

Not rated: lending and leverage are a financial company's business, which the model misreads.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.

Overview Chart Smart Money Financials Income Statement Cash Flow Balance Sheet Earnings

Analysis Technicals Weather Peers ESG Institutions ETF Exposure Dark Pool Short Interest

Income Trends

Revenue

$2.31T -53.0% ▼

5Y CAGR: -2.9%

Gross Profit

$2.28T +8.9% ▲

5Y CAGR: +7.9%

Operating Income

$1.37T +26.9% ▲

5Y CAGR: +14.5%

Net Income

$1.05T +23.5% ▲

5Y CAGR: +14.0%

EPS (Diluted)

$2236.00 +23.4% ▲

5Y CAGR: +13.9%

EBITDA

$1.26T +3.1% ▲

5Y CAGR: +9.4%

Profit Margins

Year-over-Year Growth

View Full Income Statement

Line Item	FY2021	FY2022	FY2023	FY2024	FY2025
Revenue	$3.37T	$4.72T	$5.22T	$4.90T	$2.31T
YoY Growth	+26.1%	+39.9%	+10.6%	-6.1%	-53.0%
Cost of Revenue	$1.40T	$2.87T	$3.63T	$2.81T	$2.38T
Gross Profit	$1.97T	$1.85T	$1.59T	$2.09T	$2.28T
Gross Margin	58.5%	39.1%	30.4%	42.6%	98.7%
R&D Expenses	$0	$0	$0	$0	$0
SG&A Expenses	$701.7B	$747.8B	$719.2B	$769.5B	$773.8B
Operating Expenses	$898.6B	$946.3B	$896.7B	$1.01T	$1.03T
Operating Income	$1.07T	$901.1B	$691.4B	$1.08T	$1.37T
Operating Margin	31.8%	19.1%	13.2%	22.0%	59.4%
Interest Expense	$1.11T	$2.52T	$3.31T	$2.31T	$1.72T
Income Before Tax	$1.07T	$901.1B	$691.4B	$1.08T	$1.28T
Tax Expense	$221.7B	$93.6B	$97.5B	$219.7B	$207.9B
Net Income	$842.5B	$792.3B	$579.4B	$853.0B	$1.05T
Net Margin	25.0%	16.8%	11.1%	17.4%	45.7%
EPS (Diluted)	$1788.00	$1680.00	$1052.00	$1812.00	$2236.00
EBITDA	$1.20T	$1.03T	$835.1B	$1.22T	$1.26T
Shares Outstanding	471M	471M	471M	471M	471M

Line Item	FY2024 Q4	FY2025 Q1	FY2025 Q2	FY2025 Q3	FY2025 Q4	FY2026 Q1	FY2026 Q2	FY2026 Q3
Revenue	$1.24T	$1.05T	$1.19T	$1.09T	$1.80T	$733.4B	$1.23T	$537.3B
Cost of Revenue	$751.9B	$553.7B	$565.1B	$567.3B	$698.5B	$0	$520.2B	$0
Gross Profit	$490.7B	$498.8B	$628.7B	$521.4B	$1.10T	$733.4B	$706.0B	$537.3B
Gross Margin	39.5%	47.4%	52.7%	47.9%	61.3%	100.0%	57.6%	100.0%
R&D Expenses	$0	$0	$0	$0	$0	$0	$0	$0
SG&A Expenses	$189.1B	$204.8B	$199.7B	$198.0B	$183.2B	$91.6B	$205.2B	$252.3B
Operating Expenses	$156.0B	$164.2B	$302.1B	$216.9B	$824.4B	$397.0B	$255.0B	$252.3B
Operating Income	$334.6B	$334.5B	$326.6B	$304.5B	$279.8B	$336.4B	$451.0B	$285.0B
Operating Margin	26.9%	31.8%	27.4%	28.0%	15.5%	45.9%	36.8%	53.0%
Interest Expense	$641.2B	$414.2B	$418.4B	$422.9B	$553.5B	$374.8B	$394.5B	$0
Income Before Tax	$334.6B	$334.5B	$326.6B	$304.5B	$279.8B	$336.4B	$451.0B	$290.7B
Tax Expense	$65.6B	$52.8B	$49.8B	$53.6B	$51.1B	$55.9B	$59.1B	$46.7B
Net Income	$271.9B	$277.8B	$272.6B	$247.5B	$223.8B	$273.2B	$382.6B	$237.1B
Net Margin	21.9%	26.4%	22.8%	22.7%	12.4%	37.2%	31.2%	44.1%
EPS (Diluted)	$588.00	$588.00	$580.00	$524.00	$540.00	$580.00	$812.00	$504.00
EBITDA	$370.4B	$369.7B	$359.5B	$337.6B	$313.8B	$370.9B	$483.1B	$0
Shares Outstanding	471M	471M	471M	471M	471M	471M	471M	471M

BSAC NYSE

Income Trends

Profit Margins

Year-over-Year Growth

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