What is the current annual ROE of SAN?

As of today, SAN annual ROE is 13.19%

What is 1-year change in SAN annual ROE?

SAN annual ROE is up +9.01% year-over-year

What is 3-year change in SAN annual ROE?

SAN annual ROE is up +27.44% over the past 3 years

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

SAN annual ROE is currently -39.50% below its historical high of 21.80% set on December 31, 1991

How does SAN annual ROE rank versus sector peers?

SAN annual ROE is higher than 70.93% of companies in Financial Services sector

When is SAN next annual earnings release?

The next annual earnings release for SAN is on February 4, 2026

What is the current quarterly ROE of SAN?

As of today, SAN quarterly ROE is 12.92%

What is SAN quarterly ROE most recent change?

SAN quarterly ROE was up +0.39% on September 29, 2025

What is 1-year change in SAN quarterly ROE?

SAN quarterly ROE is up +3.28% year-over-year

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

SAN quarterly ROE is currently -55.43% below its historical high of 28.99% set on June 30, 1998

How does SAN quarterly ROE rank versus sector peers?

SAN quarterly ROE is higher than 75.60% of companies in Financial Services sector

When is SAN next earnings release?

The next earnings release for SAN is on February 4, 2026

SAN ROE History & Chart Since 1980

Annual ROE

13.19%1.09%+9.01%

December 31, 2024

Summary

Current Value: As of today, SAN annual ROE is 13.19%, up +9.01% on December 31, 2024
Historical Performance: SAN annual ROE is up +27.44% over the past 3 years, and up +78.00% over the past 5 years
All-Time High Comparison: SAN annual ROE is currently -39.50% below its historical high of 21.80% set on December 31, 1991
3-Year Low Comparison: SAN annual ROE is +24.20% above its 3-year low of 10.62% reached on an earlier date
Sector Comparison: SAN annual ROE is higher than 70.93% of companies in Financial Services sector

ROE Chart

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Series

Performance

SAN Performance
Metric	Date	Value	1Y	3Y	5Y	15Y
Annual ROE	Dec 31, 24	13.19%	+9.0%	+27.4%	+78.0%	-4.2%
Quarterly ROE	Sep 29, 25	12.92%	+3.3%	+15.5%	+364.8%	+5.0%
Price	Jan 16, 26	$12.23	+150.1%	+262.9%	+271.7%	+6.5%
PE Ratio	Jan 16, 26	12.83	+122.4%	+109.0%	–	+28.0%
Annual Revenue	Dec 31, 24	$145.93B	+6.7%	+86.7%	+63.8%	+40.5%
Annual Net Income	Dec 31, 24	$14.87B	+12.9%	+30.3%	+63.7%	+14.0%
Annual Shareholders Equity	Dec 31, 24	$102.10B	-2.4%	+4.1%	-8.4%	+3.6%
Annual ROA	Dec 31, 24	0.76%	+10.1%	+22.6%	+40.7%	-11.6%

ROE Highs

SAN Annual ROE Highs Comparison
Period	High	Date	Current
3Y	13.19%	Dec 31, 24	at high
5Y	13.19%	Dec 31, 24	at high
All	21.80%	Dec 31, 91	-39.5%

ROE Lows

SAN Annual ROE Lows Comparison
Period	Low	Date	Current
3Y	10.62%	N/A	+24.2%
5Y	-7.51%	N/A	+275.6%
All	-7.51%	Dec 31, 20	+275.6%

ROE History

Year	Value	Change
2024	13.19%	+9.0%
2023	12.10%	+13.9%
2022	10.62%	+2.6%
2021	10.35%	+237.8%
2020	-7.51%	-201.3%
2019	7.41%	-16.0%
2018	8.82%	+12.4%
2017	7.85%	+6.9%
2016	7.34%	-2.7%
2015	7.54%	-9.2%
2014	8.30%	+29.3%
2013	6.42%	+84.0%
2012	3.49%	-56.0%
2011	7.93%	-29.6%
2010	11.26%	-18.2%
2009	13.77%	-15.6%
2008	16.32%	-1.4%
2007	16.55%	+8.0%
2006	15.32%	-8.8%
2005	16.79%	+36.9%
2004	12.26%	-3.1%
2003	12.65%	+22.8%
2002	10.30%	-10.9%

Year	Value	Change
2001	11.56%	-14.2%
2000	13.48%	-23.8%
1999	17.68%	+32.7%
1998	13.32%	-0.4%
1997	13.38%	+5.8%
1996	12.65%	+5.0%
1995	12.05%	-18.6%
1994	14.80%	-7.4%
1993	15.99%	-1.8%
1992	16.28%	-25.3%
1991	21.80%	+11.3%
1990	19.58%	-1.9%
1989	19.96%	+0.7%
1988	19.83%	+11.1%
1987	17.85%	+11.0%
1986	16.08%	+18.1%
1985	13.61%	+1.3%
1984	13.44%	-5.1%
1983	14.16%	-23.7%
1982	18.55%	+0.4%
1981	18.48%	+30.0%
1980	14.22%	-

FAQ

What is the current annual ROE of SAN?
As of today, SAN annual ROE is 13.19%
What is 1-year change in SAN annual ROE?
SAN annual ROE is up +9.01% year-over-year
What is 3-year change in SAN annual ROE?
SAN annual ROE is up +27.44% over the past 3 years
How far is SAN annual ROE from its all-time high?
SAN annual ROE is currently -39.50% below its historical high of 21.80% set on December 31, 1991
How does SAN annual ROE rank versus sector peers?
SAN annual ROE is higher than 70.93% of companies in Financial Services sector
When is SAN next annual earnings release?
The next annual earnings release for SAN is on February 4, 2026

Quarterly ROE

12.92%0.05%+0.39%

September 29, 2025

Summary

Current Value: As of today, SAN quarterly ROE is 12.92%, up +0.39% on September 29, 2025
Historical Performance: SAN quarterly ROE is up +3.28% year-over-year, and up +15.46% over the past 3 years
All-Time High Comparison: SAN quarterly ROE is currently -55.43% below its historical high of 28.99% set on June 30, 1998
3-Year Low Comparison: SAN quarterly ROE is +19.52% above its 3-year low of 10.81% reached on March 31, 2023
Sector Comparison: SAN quarterly ROE is higher than 75.60% of companies in Financial Services sector

Performance

SAN Performance
Metric	Date	Value	3M	1Y	3Y	5Y
Quarterly ROE	Sep 29, 25	12.92%	+0.4%	+3.3%	+15.5%	+364.8%
Annual ROE	Dec 31, 24	13.19%	–	+9.0%	+27.4%	+78.0%
Price	Jan 16, 26	$12.23	+23.5%	+150.1%	+262.9%	+271.7%
PE Ratio	Jan 16, 26	12.83	+23.5%	+122.4%	+109.0%	–
Quarterly Revenue	Sep 29, 25	$34.98B	+110.2%	+0.5%	+43.0%	+97.9%
Quarterly Net Income	Sep 29, 25	$4.05B	+5.8%	+15.7%	+49.9%	+69.2%
Quarterly Shareholders Equity	Sep 29, 25	$118.77B	+0.7%	+11.0%	+34.2%	+25.1%
Quarterly ROA	Sep 29, 25	0.77%	+1.3%	+6.9%	+18.5%	+340.6%

Quarterly ROE Highs

SAN Quarterly ROE Highs Comparison
Period	High	Date	Current
1Y	13.14%	Mar 31, 25	-1.7%
3Y	13.14%	Mar 31, 25	-1.7%
5Y	13.14%	Mar 31, 25	-1.7%
All	28.99%	Jun 30, 98	-55.4%

Quarterly ROE Lows

SAN Quarterly ROE Lows Comparison
Period	Low	Date	Current
1Y	12.77%	N/A	+1.2%
3Y	10.81%	Mar 31, 23	+19.5%
5Y	-7.43%	N/A	+273.9%
All	-7.43%	Dec 31, 20	+273.9%

Quarterly ROE History

Month	Value	Change
Sep 2025	12.92%	+0.4%
Jun 2025	12.87%	-2.1%
Mar 2025	13.14%	+2.9%
Dec 2024	12.77%	+2.1%
Sep 2024	12.51%	-0.8%
Jun 2024	12.61%	+3.4%
Mar 2024	12.19%	+0.7%
Dec 2023	12.11%	+3.4%
Sep 2023	11.71%	+5.1%
Jun 2023	11.14%	+3.1%
Mar 2023	10.81%	-0.8%
Dec 2022	10.90%	-2.6%
Sep 2022	11.19%	+0.4%
Jun 2022	11.14%	+0.1%
Mar 2022	11.13%	+7.6%
Dec 2021	10.34%	+25.2%
Sep 2021	8.26%	+5.8%
Jun 2021	7.81%	+227.6%
Mar 2021	-6.12%	+17.6%
Dec 2020	-7.43%	-52.3%
Sep 2020	-4.88%	+17.7%
Jun 2020	-5.93%	-198.8%
Mar 2020	6.00%	-19.4%
Dec 2019	7.44%	+8.3%
Sep 2019	6.87%	-16.8%
Jun 2019	8.26%	-3.5%
Mar 2019	8.56%	-3.2%
Dec 2018	8.84%	+4.5%
Sep 2018	8.46%	+4.7%
Jun 2018	8.08%	+0.1%
Mar 2018	8.07%	+3.2%
Dec 2017	7.82%	+1.6%
Sep 2017	7.70%	-4.2%
Jun 2017	8.04%	+5.9%
Mar 2017	7.59%	+1.6%
Dec 2016	7.47%	+2.6%
Sep 2016	7.28%	+0.8%
Jun 2016	7.22%	-15.0%
Mar 2016	8.49%	-2.9%
Dec 2015	8.74%	-2.7%
Sep 2015	8.98%	-1.9%
Jun 2015	9.15%	+8.2%
Mar 2015	8.46%	+1.8%
Dec 2014	8.31%	+3.6%
Sep 2014	8.02%	+8.5%
Jun 2014	7.39%	+7.7%
Mar 2014	6.86%	+1.9%
Dec 2013	6.73%	+20.2%
Sep 2013	5.60%	+27.0%
Jun 2013	4.41%	+38.7%
Mar 2013	3.18%	-10.7%
Dec 2012	3.56%	+10.6%
Sep 2012	3.22%	-40.6%
Jun 2012	5.42%	-23.1%
Mar 2012	7.05%	-10.2%
Dec 2011	7.85%	-25.5%
Sep 2011	10.54%	+1.5%
Jun 2011	10.38%	-9.0%
Mar 2011	11.41%	-2.6%
Dec 2010	11.71%	-4.9%
Sep 2010	12.31%	-8.4%
Jun 2010	13.44%	-4.2%
Mar 2010	14.03%	+0.5%
Dec 2009	13.96%	+1.4%
Sep 2009	13.77%	-4.4%
Jun 2009	14.41%	-7.9%
Mar 2009	15.65%	-4.8%
Dec 2008	16.44%	-10.4%

Month	Value	Change
Sep 2008	18.35%	-0.9%
Jun 2008	18.51%	-4.1%
Mar 2008	19.31%	+0.5%
Dec 2007	19.22%	+2.6%
Sep 2007	18.73%	+2.5%
Jun 2007	18.27%	+9.8%
Mar 2007	16.64%	+1.6%
Dec 2006	16.38%	-11.3%
Sep 2006	18.46%	+3.7%
Jun 2006	17.80%	+2.6%
Mar 2006	17.35%	+2.2%
Dec 2005	16.97%	+41.3%
Sep 2005	12.01%	-10.3%
Jun 2005	13.39%	-7.7%
Mar 2005	14.51%	-4.0%
Dec 2004	15.11%	-19.9%
Sep 2004	18.86%	+20.8%
Jun 2004	15.61%	+23.5%
Mar 2004	12.64%	+9.7%
Dec 2003	11.52%	-3.2%
Sep 2003	11.90%	+8.6%
Jun 2003	10.96%	+12.9%
Mar 2003	9.71%	-1.1%
Dec 2002	9.82%	+9.4%
Sep 2002	8.98%	-1.3%
Jun 2002	9.10%	-13.1%
Mar 2002	10.47%	-13.5%
Dec 2001	12.11%	+22.7%
Sep 2001	9.87%	+2,045.7%
Jun 2001	0.46%	+12.2%
Mar 2001	0.41%	+57.7%
Dec 2000	0.26%	-97.4%
Sep 2000	9.99%	+0.5%
Jun 2000	9.94%	-1.0%
Mar 2000	10.04%	+5.8%
Dec 1999	9.49%	-44.0%
Sep 1999	16.94%	+12.5%
Jun 1999	15.06%	+13.5%
Mar 1999	13.27%	+15.4%
Dec 1998	11.50%	-59.6%
Sep 1998	28.48%	-1.8%
Jun 1998	28.99%	+6.9%
Mar 1998	27.11%	+7.1%
Dec 1997	25.32%	+11.7%
Sep 1997	22.66%	+5.0%
Jun 1997	21.58%	+6.7%
Mar 1997	20.22%	+0.3%
Dec 1996	20.16%	+12.0%
Sep 1996	18.00%	+9.0%
Jun 1996	16.51%	+2.9%
Mar 1996	16.05%	+4.8%
Dec 1995	15.32%	-14.4%
Sep 1995	17.90%	+2.1%
Jun 1995	17.53%	+2.5%
Mar 1995	17.11%	+5.3%
Dec 1994	16.25%	-11.5%
Sep 1994	18.37%	+5.6%
Jun 1994	17.40%	+7.8%
Mar 1994	16.14%	-4.0%
Dec 1993	16.81%	-7.4%
Sep 1993	18.16%	-6.1%
Jun 1993	19.35%	-11.4%
Mar 1993	21.83%	-0.9%
Dec 1992	22.03%	-13.2%
Sep 1992	25.39%	-1.3%
Jun 1992	25.72%	+2.5%
Mar 1992	25.09%	-1.1%
Dec 1991	25.36%	-

FAQ

What is the current quarterly ROE of SAN?
As of today, SAN quarterly ROE is 12.92%
What is SAN quarterly ROE most recent change?
SAN quarterly ROE was up +0.39% on September 29, 2025
What is 1-year change in SAN quarterly ROE?
SAN quarterly ROE is up +3.28% year-over-year
How far is SAN quarterly ROE from its all-time high?
SAN quarterly ROE is currently -55.43% below its historical high of 28.99% set on June 30, 1998
How does SAN quarterly ROE rank versus sector peers?
SAN quarterly ROE is higher than 75.60% of companies in Financial Services sector
When is SAN next earnings release?
The next earnings release for SAN is on February 4, 2026

ROE Formula

ROE = Net Income

Shareholders Equity × 100%

Data Sources & References

SAN Official Website www.santander.com
Most Recent Quarterly Report (10-Q) www.sec.gov/Archives/edgar/data/891478/000089147825000132/0000891478-25-000132-index.htm
Most Recent Annual Report (10-K) www.sec.gov/Archives/edgar/data/891478/000089147825000054/0000891478-25-000054-index.htm
SAN Profile on Yahoo Finance finance.yahoo.com/quote/SAN
SAN Profile on NASDAQ.com www.nasdaq.com/market-activity/stocks/san