Welcome to our dedicated page for Banco Santander SEC filings (Ticker: SAN), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
The Banco Santander, S.A. (SAN) SEC filings page on Stock Titan provides access to the bank’s U.S. regulatory disclosures, primarily filed on Form 6-K as a foreign private issuer and related forms. These documents offer detail on capital actions, securities issuance and other matters relevant to holders of Santander securities.
Recent Form 6-K filings describe the bank’s share buyback programme of its own ordinary shares, including weekly updates on purchases across European trading venues, cumulative cash invested and the proportion of outstanding shares repurchased since 2021. A December 30, 2025 filing reports a capital reduction through cancellation of own shares and quantifies the total number of shares repurchased and the resulting reduction in share capital.
Other 6-Ks cover the optional early redemption of 4.375% Non-Step-Up Non-Cumulative Contingent Convertible Perpetual Preferred Tier 1 Securities (CoCos), and the issuance of Senior Non Preferred Notes due 2030 and 2035, with associated underwriting agreements and indenture supplements incorporated into a registration statement on Form F-3. These filings help investors understand Santander’s funding structure and capital instruments.
The filings section also includes a Form 25-NSE filed by the New York Stock Exchange regarding the removal from listing and/or registration of the Guarantor of Series 26 Subordinated Debt Securities due November 2025. This form relates to that specific class of subordinated debt securities.
On Stock Titan, these documents are updated as they are released to EDGAR. AI-powered tools can assist users by summarizing lengthy 6-K attachments, highlighting key figures in capital actions, and clarifying the implications of forms such as 6-K, F-3 exhibits and Form 25 for Banco Santander, S.A. security holders.
Banco Santander uses this investor presentation to lay out 2026–2028 strategic and financial targets, supported by its ONE Transformation program and planned bolt-on deals TSB and Webster, both still subject to customary approvals.
The group aims for underlying profit of more than €20bn and RoTE above 20% by 2028, while keeping its CET1 ratio in a 12–13% operating range and returning any capital above 13% at the end of the plan. Management targets mid-single-digit revenue growth with total costs falling each year in constant euros, helped by €4–5bn of transformation efficiencies and cost synergies, including more than £400mn from TSB and about $800mn from Webster at full run rate.
The bank plans to cut its efficiency ratio from 45.3% in 2025 to about 36% in 2028 and to grow customers from 180mn to more than 210mn, with active customers rising to about 125mn. The board intends to apply a shareholder remuneration policy of around 50% payout of underlying profit for 2026–2028, split between cash dividends and share buybacks, with approximately 35% in cash dividends and 15% in buybacks from 2027 results.
Banco Santander outlines its 2026–2028 strategic plan, targeting profit of over €20 billion, a RoTE above 20% and an efficiency ratio of about 36% by 2028. The bank aims to serve more than 210 million customers and operate with a CET1 ratio of around 13% within its 12–13% target range.
Capital returns remain central: total shareholder remuneration against 2025 results is about €7.05 billion, roughly 50% of attributable profit, split between cash dividends and share buybacks. The total 2025 cash dividend is 24 euro cents per share, up from 21 euro cents for 2024, and the board intends to more than double the cash dividend per share by 2028 versus 2025.
Santander highlights a record attributable profit of €14.1 billion in 2025, EPS growth of 68% over 2023–2025 and a share price increase of over 250% since 2021. It has committed at least €10 billion of buybacks from 2025–2026 earnings, including a new approximately €5 billion programme. The plan assumes completion of the TSB and Webster acquisitions, with UK and US RoTE expected around 16% and 18% respectively by 2028.
Banco Santander plans to ask shareholders at its 2026 Annual Shareholders’ Meeting to approve a final gross cash dividend of €12.50 cents per share against 2025 results. If approved, the dividend would be paid on 5 May 2026.
The last day to trade shares with dividend rights would be 29 April, the ex-dividend date 30 April, and the record date 4 May. The AGM is scheduled for 26 March 2026 on first call or 27 March 2026 on second call, and is expected to be held on second call.
Banco Santander reports progress on its ongoing share buyback programme. Between 12 and 18 February 2026, the bank repurchased 52,195,521 of its own shares across several European trading venues.
The total cash amount invested in the buyback reached 1,146,817,035 Euros as of 18 February 2026, which the bank states is approximately 22.8% of the programme’s maximum investment amount. Overall, these purchases mean the bank has repurchased approximately 15.9% of its outstanding shares as of 2021.
Banco Santander, S.A. has scheduled an Investor Day in London for 25 February 2026. The Group Executive Chair Ana Botín, CEO Héctor Grisi and CFO José García Cantera will present the bank’s overall strategy and outlook.
The event will start at 14:00 Madrid time (13:00 London time). Presentation materials will be released beforehand via a communication to the CNMV and on Santander’s corporate website, and a recording of the presentations will be made available on the website after the event.
Banco Santander, S.A. filed a Form 13F reporting its institutional holdings as of the reporting period. The filing lists 901 holdings with a total value of $13,354,746,042 and names 5 other included managers. The report was signed by Ruben Navajo on 02-10-2026.
Banco Santander filed a report updating investors on its ongoing share buyback programme. Between 4 and 11 February 2026, the bank repurchased 56,348,000 of its own shares across several European trading venues at weighted average prices around €10.6–€10.9 per share.
By 11 February 2026, the cash amount invested in the Buyback Programme reached €603,165,936, which the bank states is about 12% of the programme’s maximum investment amount. With these purchases, Banco Santander reports it has bought back approximately 15.6% of its outstanding shares as of 2021, meaning a significantly reduced share count compared with that earlier baseline.
Banco Santander, S.A. is changing how it presents Group financial information from the first quarter of 2026, following completion of the disposal of a 49% stake in Santander Bank Polska in January 2026.
The bank will adjust underlying results and management metrics related to activity affected by the Poland disposal and reclassify Cards into Retail while keeping its cards processing platform, Plard, within Payment Solutions (renamed from Payments). It will also refine definitions for cost of risk, non-performing loan ratios, and Spain RoTE, and update primary segment names by rebranding Consumer as Openbank and reshaping Wealth’s business line structure.
The company states these reporting changes do not alter Group attributable profit or the financial targets previously presented on 3 February 2026 and are intended to enhance transparency, comparability and alignment with how the business is managed ahead of its Investor Day on 25 February.
Banco Santander has approved a share buy-back programme of approximately €5,030 million, returning a large amount of capital to shareholders. The programme, authorised under resolutions from the March 2023 shareholder meeting, starts immediately.
About €1,830 million reflects around 25% of the Group’s underlying profit for the second half of 2025, in line with its policy of distributing roughly half of underlying profit via dividends and buybacks. An additional €3,200 million is an extraordinary buy-back, representing about 50% of CET1 capital generated from selling 49% of Santander Bank Polska to Erste Group. The bank notes the programme may be temporarily suspended or adapted, including in connection with its announced acquisition of Webster Financial Corporation, and any interruption, termination or modification will be communicated to regulators.
Banco Santander reported another year of record results for 2025, with attributable profit of €14,101 million, up 12%, and earnings per share of €0.91, up 17%. The customer base reached 180 million after adding eight million in the year.
Profitability strengthened, with return on tangible equity post-AT1 rising to 16.3% and the efficiency ratio improving to 41.2% as costs fell 1% in euros. Credit quality remained solid, with cost of risk at 1.15% and the non-performing loan ratio at 2.91%.
The CET1 capital ratio hit a record 13.5%, supporting a new €5 billion share buyback programme and a broader plan to distribute at least €10 billion from 2025–2026 earnings and excess capital. Since 2021, Santander will have returned €16.2 billion via buybacks, repurchasing about 18% of its shares.