PWLBtoday
Counterparty/Banco Santander, S.A.
Built 2026-09-14 17:10 UTCBeta
BA

Banco Santander, S.A.

Bank · SpainA · LEI 5493006QMFDDMYWIAM13
Counterparty scoreBand B
72
34th percentile of 41 peers
coverage100% of the method
Rating81w 40
Capital76w 25
Liquidity68w 15
Stability0w 10
Assets53w 5
Profit77w 5
Rating anchor and public pillars with published weights (w). Market overlay +4.0, bounded at ±10. Method
Agency ratingscompositeA+Stable (bonds)
Fitch
A+▶
ST F1
2026-07-08
S&P
A+▶
ST A-1
2025-03-27
Moody's
A1▶
ST P-1
2026-04-21
DBRS
A(H)
ST R-1(M)
2025-09-26
JCR
AA-
2026-03-19
ESMA European Rating Platform, checked daily · ▲ positive ▼ negative ◆ watch ▶ stableRating history
CET1 ratio
14.0%
−0.3 vs prior2026-06-30
Leverage ratio
4.8%
−0.2 vs prior2026-06-30
Total capital
18.8%
−0.1 vs prior2026-06-30
LCR
147%
−0.2 vs prior2026-06-30
NSFR
124%
+1.8 vs prior2026-06-30
Risk-weighted assets
616.8bn
+2.7% vs prior2026-06-30
16 series held, up to 48 periods each. Click a card to open it full size with every point and its date. The grey band on a ratio is where this bank’s peer group stands today, quartile to quartile, with the median dashed — not a peer history.
Standing
Capital
Liquidity and funding
Profitability and efficiency
Asset quality
Balance sheet

Rating history

Every action the European Rating Platform holds, since 2015. The composite is the median of the agencies on the day.
11upgrades
2downgrades
2.0notches stronger
20162017201820192020202120222023202420252026A+AA-composite A- from 2015-07-01composite A from 2018-04-06composite A+ from 2021-12-16A+COMPOSITEFitchFitch A- from 2015-07-01 to 2025-02-11A-Fitch A from 2025-02-11 to 2026-05-12AFitch A+ from 2026-05-12, stillFitch: stable outlook from 2016-05-13Fitch: negative outlook from 2020-03-27Fitch: stable outlook from 2021-06-07A+S&PS&P BBB+ from 2015-07-01 to 2015-10-06S&P A- from 2015-10-06 to 2018-04-06A-S&P A from 2018-04-06 to 2021-12-16AS&P A+ from 2021-12-16, stillA+S&P: stable outlook from 2015-10-06S&P: positive outlook from 2017-02-09S&P: stable outlook from 2017-06-09S&P: negative outlook from 2020-04-29S&P: stable outlook from 2021-06-24S&P: negative outlook from 2021-12-16S&P: stable outlook from 2022-03-22A+Moody'sMoody's A3 from 2015-07-01 to 2018-04-17A3Moody's A2 from 2018-04-17 to 2025-10-03A2Moody's A1 from 2025-10-03, stillA1Moody's: positive outlook from 2015-07-01Moody's: stable outlook from 2016-02-22Moody's: positive outlook from 2024-03-19Moody's: stable outlook from 2025-10-03A1DBRSDBRS A from 2015-07-01 to 2016-02-04ADBRS A (high) from 2016-02-04 to 2016-10-14A (high)DBRS A from 2016-10-14 to 2017-01-13DBRS A(L) from 2017-01-13 to 2017-03-07DBRS A from 2017-03-07 to 2018-04-12ADBRS A(H) from 2018-04-12, stillA(H)DBRS: watch negative outlook from 2017-01-13A(H)JCRJCR A+ from 2017-05-19 to 2025-01-23A+JCR AA- from 2025-01-23, stillAA-JCR: stable outlook from 2017-05-19AA-
AAACCCpositive outlookstablenegativewent on watch

Every move since 2015

  • 2026-05-12↑Fitch upgrade A → A+ · 1 notch
  • 2025-10-03↑Moody's upgrade A2 → A1 · 1 notch
  • 2025-02-11↑Fitch upgrade A- → A · 1 notch
  • 2025-01-23↑JCR upgrade A+ → AA- · 1 notch
  • 2021-12-16↑S&P upgrade A → A+ · 1 notch
  • 2018-04-17↑Moody's upgrade A3 → A2 · 1 notch
  • 2018-04-12↑DBRS upgrade A → A(H) · 1 notch
  • 2018-04-06↑S&P upgrade A- → A · 1 notch

Every rating held today

AgencyTypeRatingOutlookDate
DBRSissuer credit · long-termA(H)—2025-09-26
DBRSissuer credit · short-termR-1(M)—2025-09-26
Fitchissuer default · long-termA+stable2026-07-08
Fitchissuer default · short-termF1—2026-07-08
JCRissuer credit · long-termAA-—2026-03-19
Moody'scounterparty · long-termA1—2025-11-18
Moody'sdeposit · long-termA1stable2025-11-18
Moody'sissuer credit · long-termA1stable2026-04-21
Moody'scounterparty · short-termP-1—2025-11-18
Moody'sdeposit · short-termP-1—2025-11-18
S&Pissuer credit · long-termA+stable2025-03-27
S&Presolution counterparty · long-termAA-—2025-03-27
S&Pissuer credit · short-termA-1—2025-03-27
S&Presolution counterparty · short-termA-1+—2025-03-27
Source: ESMA European Rating Platform, checked daily, with agency attribution.
Share price, 12 monthsEUR
7.138.8310.5312.2313.9325-09: 8.2925-09: 8.4925-09: 8.5325-09: 8.7425-09: 8.8725-10: 8.6925-10: 8.5225-10: 8.5825-10: 8.3925-10: 8.6125-11: 8.8525-11: 8.8525-11: 9.5525-11: 8.9225-11: 9.0425-12: 9.3025-12: 9.4625-12: 9.7825-12: 9.8725-12: 10.0025-12: 10.0726-01: 10.1326-01: 10.4826-01: 10.4926-01: 10.4826-01: 10.6326-02: 10.7026-02: 10.7726-02: 10.2926-02: 10.7626-02: 11.1026-03: 9.9826-03: 10.0126-03: 9.5126-03: 9.2426-03: 9.4726-04: 9.9926-04: 10.3526-04: 10.6526-04: 10.6326-04: 10.2826-05: 9.9826-05: 10.4726-05: 10.2526-05: 10.6226-05: 10.6826-06: 10.6626-06: 10.6726-06: 10.4726-06: 11.9026-06: 11.9326-06: 11.9226-07: 12.4226-07: 12.0526-07: 11.9726-07: 11.9126-07: 12.2626-07: 12.3226-08: 12.8626-08: 12.9126-08: 12.4526-08: 12.7026-08: 12.7126-09: 12.9026-09: 12.7012.7025-0925-1125-1226-0226-0426-0626-09
30-day realised volatility17.7%
Drawdown from 52-week high-1.8%
Market signal Stable (bonds)
Last price2026-09-14
Bond yields vs peers, 31-day+3 bp (4 bonds, 2026-09-14)
CDS levels, bond yields and agency ratings feed the private market overlay and are never shown as levels; only the direction and the change against peers are public.
Every event held for this name, newest first: rating actions, Pillar 3 documents and filtered headlines. Severity is rules-based — read the source.
2026-09-14
Banco Santander (NYSE: SAN) removes 2027 bond from NYSE - stocktitan.net
stocktitan.net
info
2026-09-10
New 2028 bonds at 2.1% from Banco Santander Chile (NYSE: BSAC) - stocktitan.net
stocktitan.net
info
2026-08-13
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-07-23
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-07-16
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-07-08
Fitch affirmation: Derivative Counterparty Rating A+(dcr)
ESMA European Rating Platform
info
2026-07-08
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-07-08
Fitch affirmation: Long Term Issuer Default Rating A+
ESMA European Rating Platform
info
2026-07-08
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
info
2026-06-23
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-06-23
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-06-23
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-06-10
BANCO SANTANDER, S.A. ANNOUNCES RESULTS OF TENDER OFFER FOR ONE SERIES OF ITS U.S. DOLLAR-DENOMINATED ADDITIONAL TIER 1 SECURITIES - PR Newswire
PR Newswire
info
2026-05-27
BANCO SANTANDER, S.A. ANNOUNCES A TENDER OFFER FOR ONE SERIES OF ITS U.S. DOLLAR-DENOMINATED ADDITIONAL TIER 1 SECURITIES - PR Newswire
PR Newswire
info
2026-05-12
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-05-12
Fitch upgrade: Long Term Issuer Default Rating A+
ESMA European Rating Platform
good
2026-05-12
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
info
2026-05-05
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-05-05
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-04-28
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-04-27
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-04-21
Moody's affirmation: Issuer Rating A1
ESMA European Rating Platform
info
2026-04-21
Moody's maintained under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2026-04-15
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-03-30
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-03-26
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-03-23
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-03-19
JCR maintained under stable outlook: Issuer rating
ESMA European Rating Platform
info
2026-03-19
JCR affirmation: Issuer rating AA-
ESMA European Rating Platform
info
2026-02-10
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2026-02-09
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-02-09
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-02-09
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-02-06
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-02-02
DBRS withdrawal: Issuer Debt Rating
ESMA European Rating Platform
info
2026-01-27
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2026-01-27
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2026-01-27
Fitch affirmation: Derivative Counterparty Rating A+(dcr)
ESMA European Rating Platform
info
2026-01-27
Fitch maintained under stable outlook: Long Term Issuer Default Rating
ESMA European Rating Platform
info
2026-01-27
Fitch affirmation: Long Term Issuer Default Rating A
ESMA European Rating Platform
info
2026-01-27
Fitch affirmation: Short Term Issuer Default Rating F1
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Deposit Rating A1
ESMA European Rating Platform
info
2025-11-18
Moody's maintained under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Counterparty Risk Rating A1
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2025-11-18
Moody's affirmation: Issuer Rating A1
ESMA European Rating Platform
info
2025-11-18
Moody's maintained under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2025-10-28
DBRS new: Issuer Debt Rating A(L)
ESMA European Rating Platform
info
2025-10-28
DBRS new: Issuer Debt Rating A(H)
ESMA European Rating Platform
info
2025-10-28
DBRS new: Issuer Debt Rating A
ESMA European Rating Platform
info
2025-10-03
Moody's upgrade: Deposit Rating A1
ESMA European Rating Platform
good
2025-10-03
Moody's removed under positive outlook: Deposit Rating
ESMA European Rating Platform
good
2025-10-03
Moody's placed under stable outlook: Deposit Rating
ESMA European Rating Platform
info
2025-10-03
Moody's affirmation: Deposit Rating P-1
ESMA European Rating Platform
info
2025-10-03
Moody's upgrade: Counterparty Risk Rating A1
ESMA European Rating Platform
good
2025-10-03
Moody's affirmation: Counterparty Risk Rating P-1
ESMA European Rating Platform
info
2025-10-03
Moody's upgrade: Issuer Rating A1
ESMA European Rating Platform
good
2025-10-03
Moody's placed under stable outlook: Issuer Rating
ESMA European Rating Platform
info
2025-09-26
DBRS affirmation: Issuer Debt Rating A(H)
ESMA European Rating Platform
info

Documents and feeds

EBA Transparency Exercise · published data file
10 documents · 7 metrics · 2015-12-31 to 2024-06-30
Latest source
Yahoo Finance fundamentals · public API
1 document · 2 metrics · 2022-12-31 to 2026-06-30
Latest source
ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing
4 documents · 5 metrics · 2019-12-31 to 2025-12-31
Latest source
EBA Pillar 3 Data Hub · tagged XBRL filing
1 document · 8 metrics · 2025-06-30 to 2026-06-30
Latest source

Latest value of every metric held

MetricValueReference dateSourceConfidence
CET1 capital ratio14.022026-06-30EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Total deposits (currency millions)1,133,762.002026-06-30Yahoo Finance fundamentals · public API0.80
Cost-to-income or efficiency ratio56.952025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Liquidity coverage ratio146.612026-06-30EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Leverage ratio4.812026-06-30EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Net interest margin2.292025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.75
Non-performing or noncurrent loan ratio2.982024-06-30EBA Transparency Exercise · published data file0.85
Net stable funding ratio123.772026-06-30EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Overall capital requirement14.112026-06-30EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Return on assets0.842025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Return on equity14.092025-12-31ESEF annual accounts (filings.xbrl.org) · tagged XBRL filing0.85
Risk-weighted assets (currency millions)616,803.002026-06-30EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Tier 1 capital ratio15.672026-06-30EBA Pillar 3 Data Hub · tagged XBRL filing1.00
Total assets (currency millions)1,954,465.002026-06-30Yahoo Finance fundamentals · public API0.80
Total capital ratio18.772026-06-30EBA Pillar 3 Data Hub · tagged XBRL filing1.00