What is the current annual net margin of SAN?

As of today, SAN annual net margin is 11.22%

What is 1-year change in SAN annual net margin?

SAN annual net margin is up +10.11% year-over-year

What is 3-year change in SAN annual net margin?

SAN annual net margin is down -2.43% over the past 3 years

How far is SAN annual net margin from its all-time high?

SAN annual net margin is currently -23.15% below its historical high of 14.60% set on December 31, 2021

How does SAN annual net margin rank versus sector peers?

SAN annual net margin is higher than 38.15% of companies in Financial Services sector

When is SAN next annual earnings release?

The next annual earnings release for SAN is on February 3, 2027

What is the current quarterly net margin of SAN?

As of today, SAN quarterly net margin is 10.73%

What is SAN quarterly net margin most recent change?

SAN quarterly net margin was down -5.21% on September 30, 2026

What is 1-year change in SAN quarterly net margin?

SAN quarterly net margin is down -7.26% year-over-year

How far is SAN quarterly net margin from its all-time high?

SAN quarterly net margin is currently -77.22% below its historical high of 47.10% set on December 31, 2005

How does SAN quarterly net margin rank versus sector peers?

SAN quarterly net margin is higher than 35.06% of companies in Financial Services sector

When is SAN next earnings release?

The next earnings release for SAN is on February 3, 2027

SAN Net Margin History & Chart Since 1980

Annual Net Margin

11.22%1.03%+10.11%

December 31, 2025

Summary

Current Value: As of today, SAN annual net margin is 11.22%, up +10.11% on December 31, 2025
Historical Performance: SAN annual net margin is down -2.43% over the past 3 years, up +193.97% over the past 5 years
All-Time High Comparison: SAN annual net margin is currently -23.15% below its historical high of 14.60% set on December 31, 2021
3-Year Low Comparison: SAN annual net margin is +16.51% above its 3-year low of 9.63% reached on December 31, 2023
Sector Comparison: SAN annual net margin is higher than 38.15% of companies in Financial Services sector

Net Margin Chart

beforeafter

Performance

SAN Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual Net Margin	Dec 31, 25	11.22%	+10.1%	-2.4%	+194.0%	-6.9%
Quarterly Net Margin	Sep 30, 26	10.73%	-7.3%	+12.8%	-30.9%	-42.6%
Price	Oct 30, 26	$11.19	+9.3%	+199.2%	+195.3%	+24.2%
PE Ratio	Oct 30, 26	8.99	-17.4%	+51.1%	-4.8%	+8.2%
Annual Revenue	Dec 31, 25	$140.42B	-0.5%	+42.8%	+90.8%	+40.1%
Annual Net Income	Dec 31, 25	$15.75B	+16.5%	+39.3%	+279.3%	+30.4%
Annual Gross Margin	Dec 31, 25	0.00%	0.0%	0.0%	0.0%	0.0%
Annual Operating Margin	Dec 31, 25	14.65%	+4.4%	-7.1%	+12.9%	-12.0%

Net Margin Highs

SAN Annual Net Margin Highs Comparison
Period	High	Date	Current
3Y	11.50%	N/A	-2.4%
5Y	14.60%	Dec 31, 21	-23.1%
All	14.60%	Dec 31, 21	-23.1%

Net Margin Lows

SAN Annual Net Margin Lows Comparison
Period	Low	Date	Current
3Y	9.63%	Dec 31, 23	+16.5%
5Y	-11.94%	N/A	+194.0%
All	-11.94%	Dec 31, 20	+194.0%

Net Margin History

Year	Value	Change
2025	11.22%	+10.1%
2024	10.19%	+5.8%
2023	9.63%	-16.3%
2022	11.50%	-21.2%
2021	14.60%	+222.3%
2020	-11.94%	-217.2%
2019	10.19%	-17.0%
2018	12.27%	+15.6%
2017	10.61%	+10.6%
2016	9.59%	-0.2%
2015	9.61%	+7.0%
2014	8.98%	+24.4%
2013	7.22%	+99.4%
2012	3.62%	-50.4%
2011	7.30%	-39.4%
2010	12.05%	-4.1%
2009	12.56%	+5.9%
2008	11.86%	-11.7%
2007	13.43%	+7.3%
2006	12.52%	-2.2%
2005	12.80%	-8.5%
2004	13.99%	+3.1%
2003	13.57%	+40.3%

Year	Value	Change
2002	9.67%	+1.8%
2001	9.50%	+9.4%
2000	8.68%	-3.4%
1999	8.99%	+25.2%
1998	7.18%	-3.6%
1997	7.45%	+16.6%
1996	6.39%	+2.4%
1995	6.24%	-27.4%
1994	8.60%	+19.8%
1993	7.18%	-13.4%
1992	8.29%	-14.2%
1991	9.66%	+8.8%
1990	8.88%	-9.5%
1989	9.81%	-3.9%
1988	10.21%	+32.9%
1987	7.68%	+2.9%
1986	7.46%	+23.9%
1985	6.02%	-1.0%
1984	6.08%	-3.5%
1983	6.30%	-34.2%
1982	9.58%	-15.7%
1981	11.36%	-0.9%
1980	11.46%	-

FAQ

What is the current annual net margin of SAN?: As of today, SAN annual net margin is 11.22%
What is 1-year change in SAN annual net margin?: SAN annual net margin is up +10.11% year-over-year
What is 3-year change in SAN annual net margin?: SAN annual net margin is down -2.43% over the past 3 years
How far is SAN annual net margin from its all-time high?: SAN annual net margin is currently -23.15% below its historical high of 14.60% set on December 31, 2021
How does SAN annual net margin rank versus sector peers?: SAN annual net margin is higher than 38.15% of companies in Financial Services sector
When is SAN next annual earnings release?: The next annual earnings release for SAN is on February 3, 2027

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Quarterly Net Margin

10.73%0.59%-5.21%

September 30, 2026

Summary

Current Value: As of today, SAN quarterly net margin is 10.73%, down -5.21% on September 30, 2026
Historical Performance: SAN quarterly net margin is down -7.26% year-over-year, up +12.83% over the past 3 years
All-Time High Comparison: SAN quarterly net margin is currently -77.22% below its historical high of 47.10% set on December 31, 2005
3-Year Low Comparison: SAN quarterly net margin is +18.43% above its 3-year low of 9.06% reached on March 31, 2024
Sector Comparison: SAN quarterly net margin is higher than 35.06% of companies in Financial Services sector

Performance

SAN Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly Net Margin	Sep 30, 26	10.73%	-5.2%	-7.3%	+12.8%	-30.9%
Annual Net Margin	Dec 31, 25	11.22%	–	+10.1%	-2.4%	+194.0%
Price	Oct 30, 26	$11.19	-20.7%	+9.3%	+199.2%	+195.3%
PE Ratio	Oct 30, 26	8.99	-19.1%	-17.4%	+51.1%	-4.8%
Quarterly Revenue	Sep 30, 26	$39.00B	+1.6%	+11.5%	+7.3%	+101.3%
Quarterly Net Income	Sep 30, 26	$4.18B	-3.8%	+3.4%	+21.1%	+39.1%
Quarterly Gross Margin	Sep 30, 26	0.00%	0.0%	0.0%	0.0%	0.0%
Quarterly Operating Margin	Sep 30, 26	14.96%	+3.6%	-1.5%	+15.8%	-33.0%

Quarterly Net Margin Highs

SAN Quarterly Net Margin Highs Comparison
Period	High	Date	Current
1Y	12.62%	Dec 31, 25	-15.0%
3Y	22.99%	Jun 30, 25	-53.3%
5Y	22.99%	Jun 30, 25	-53.3%
All	47.10%	Dec 31, 05	-77.2%

Quarterly Net Margin Lows

SAN Quarterly Net Margin Lows Comparison
Period	Low	Date	Current
1Y	10.73%	Sep 30, 26	at low
3Y	9.06%	Mar 31, 24	+18.4%
5Y	9.06%	Mar 31, 24	+18.4%
All	-69.05%	Jun 30, 20	+115.5%

Quarterly Net Margin History

Month	Value	Change
Sep 2026	10.73%	-5.2%
Jun 2026	11.32%	-7.4%
Mar 2026	12.22%	-3.2%
Dec 2025	12.62%	+9.1%
Sep 2025	11.57%	-49.7%
Jun 2025	22.99%	+115.9%
Mar 2025	10.65%	+6.2%
Dec 2024	10.03%	-0.2%
Sep 2024	10.05%	-2.4%
Jun 2024	10.30%	+13.7%
Mar 2024	9.06%	-8.3%
Dec 2023	9.88%	+3.9%
Sep 2023	9.51%	+1.8%
Jun 2023	9.34%	-4.3%
Mar 2023	9.76%	+3.0%
Dec 2022	9.48%	-14.1%
Sep 2022	11.03%	-5.7%
Jun 2022	11.70%	-22.8%
Mar 2022	15.16%	+2.6%
Dec 2021	14.77%	-4.8%
Sep 2021	15.52%	+0.1%
Jun 2021	15.51%	+24.5%
Mar 2021	12.46%	+230.5%
Dec 2020	3.77%	-72.1%
Sep 2020	13.53%	+119.6%
Jun 2020	-69.05%	-2,028.8%
Mar 2020	3.58%	-76.4%
Dec 2019	15.20%	+231.2%
Sep 2019	4.59%	-50.3%
Jun 2019	9.24%	-18.9%
Mar 2019	11.39%	-5.9%
Dec 2018	12.11%	-7.8%
Sep 2018	13.14%	+18.4%
Jun 2018	11.10%	-12.7%
Mar 2018	12.72%	+19.9%
Dec 2017	10.61%	+8.8%
Sep 2017	9.75%	-45.2%
Jun 2017	17.80%	-3.1%
Mar 2017	18.37%	+8.8%
Dec 2016	16.89%	-9.0%
Sep 2016	18.57%	+24.3%
Jun 2016	14.94%	-17.2%
Mar 2016	18.05%	+14.7%
Dec 2015	15.74%	-11.3%
Sep 2015	17.74%	-29.4%
Jun 2015	25.13%	+37.9%
Mar 2015	18.22%	+13.2%
Dec 2014	16.09%	-7.8%
Sep 2014	17.45%	+3.5%
Jun 2014	16.86%	+8.0%
Mar 2014	15.61%	+3.2%
Dec 2013	15.13%	+13.3%
Sep 2013	13.35%	+4.1%
Jun 2013	12.83%	-13.3%
Mar 2013	14.79%	+144.9%
Dec 2012	6.04%	+67.3%

Month	Value	Change
Sep 2012	3.61%	-9.1%
Jun 2012	3.97%	-81.2%
Mar 2012	21.07%	+5,920.0%
Dec 2011	0.35%	-98.1%
Sep 2011	18.70%	-10.0%
Jun 2011	20.77%	-4.3%
Mar 2011	21.70%	-30.2%
Dec 2010	31.08%	+72.6%
Sep 2010	18.01%	-22.9%
Jun 2010	23.35%	-5.0%
Mar 2010	24.57%	+1.1%
Dec 2009	24.30%	+4.6%
Sep 2009	23.24%	-1.3%
Jun 2009	23.54%	-32.3%
Mar 2009	34.78%	+46.2%
Dec 2008	23.79%	-24.8%
Sep 2008	31.65%	-8.6%
Jun 2008	34.61%	+4.2%
Mar 2008	33.22%	-10.0%
Dec 2007	36.92%	+14.4%
Sep 2007	32.27%	-20.4%
Jun 2007	40.52%	+30.7%
Mar 2007	31.00%	+1.3%
Dec 2006	30.59%	-4.5%
Sep 2006	32.04%	-6.9%
Jun 2006	34.42%	+10.1%
Mar 2006	31.27%	-33.6%
Dec 2005	47.10%	+59.8%
Sep 2005	29.47%	-5.8%
Jun 2005	31.27%	+9.2%
Mar 2005	28.64%	+3,082.2%
Dec 2004	0.90%	-97.9%
Sep 2004	43.55%	+7.9%
Jun 2004	40.35%	+41.6%
Mar 2004	28.50%	+366.4%
Dec 2003	6.11%	-57.0%
Sep 2003	14.20%	-6.1%
Jun 2003	15.13%	+9.3%
Mar 2003	13.84%	+68.4%
Dec 2002	8.22%	-2.7%
Sep 2002	8.45%	+10.3%
Jun 2002	7.66%	-24.8%
Mar 2002	10.18%	-20.0%
Dec 2001	12.73%	-21.9%
Sep 2001	16.31%	-28.8%
Jun 2001	22.92%	-4.9%
Mar 2001	24.11%	+3,667.2%
Dec 2000	0.64%	-93.8%
Sep 2000	10.36%	+51.0%
Jun 2000	6.86%	-16.8%
Mar 2000	8.25%	+224.8%
Dec 1999	2.54%	-83.7%
Sep 1999	15.58%	-3.3%
Jun 1999	16.12%	-7.8%
Mar 1999	17.48%	-

FAQ

What is the current quarterly net margin of SAN?: As of today, SAN quarterly net margin is 10.73%
What is SAN quarterly net margin most recent change?: SAN quarterly net margin was down -5.21% on September 30, 2026
What is 1-year change in SAN quarterly net margin?: SAN quarterly net margin is down -7.26% year-over-year
How far is SAN quarterly net margin from its all-time high?: SAN quarterly net margin is currently -77.22% below its historical high of 47.10% set on December 31, 2005
How does SAN quarterly net margin rank versus sector peers?: SAN quarterly net margin is higher than 35.06% of companies in Financial Services sector
When is SAN next earnings release?: The next earnings release for SAN is on February 3, 2027

Net Margin Formula

Net Margin = Net Income

Revenue × 100%

Data Sources & References

SAN Official Website www.santander.com
SAN Profile on Yahoo Finance finance.yahoo.com/quote/SAN
SAN Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/san