Santander Holdings USA, Inc.
Financials · National Commercial Banks · VA · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | $0 | $0 |
| Operating income | — | — | — | — | — | — |
| Net income | $1.65B | $1.08B | $932.9M | $1.41B | $2.98B | −$840.4M |
| Total assets | $164.57B | $165.25B | $164.97B | $168.19B | $159.82B | $149.43B |
| Total liabilities | $146.63B | $147.57B | $147.47B | $150.26B | $135.35B | $128.17B |
| Equity | $15.94B | $15.68B | $15.50B | $17.43B | $22.51B | $19.89B |
| EPS (diluted) | — | — | — | — | — | — |
| Shares out. | 530.4M | 530.4M | 530.4M | 530.4M | 530.4M | 530.4M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- —
- Return on equity
- 10.3%
- Return on assets
- 1.0%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 89.1%
- Debt / equity
- 9.20×
- Book value / share
- $30.06
- Revenue growth (YoY)
- —
- Net income growth (YoY)
- 52.7%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −0.2%clean
- Piotroski F-Score
- 6/6mixed
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 1 severe● 1 warning● 2 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- High leverage (liabilities > 70% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗Nov 15, 2016
- NT 10-Qmissed a reporting deadline ↗Aug 16, 2016
- NT 10-Kmissed a reporting deadline ↗Mar 31, 2016
- NT 10-Qmissed a reporting deadline ↗Nov 17, 2014
- NT 11-Kmissed a reporting deadline ↗Jun 30, 2009
- NT 10-Kmissed a reporting deadline ↗Mar 2, 2009
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Entered a material agreementMar 31, 2026
- Results of operations · Regulation FD disclosureMar 6, 2026
- Results of operations · Regulation FD disclosureNov 4, 2025
- Results of operations · Regulation FD disclosureAug 15, 2025
- Results of operations · Regulation FD disclosureMay 2, 2025
- Other material eventMar 20, 2025
- Results of operations · Regulation FD disclosureMar 4, 2025
- Results of operations · Regulation FD disclosureNov 6, 2024
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- IRANNOTICEMay 4, 2026
- 10-QMay 4, 2026
- 425FORM 425Mar 31, 2026
- 8-KFORM 8-KMar 31, 2026
- 8-KMar 6, 2026
- IRANNOTICEMar 2, 2026
- 10-KMar 2, 2026
- 8-KNov 4, 2025
- IRANNOTICENov 3, 2025
- 10-QNov 3, 2025
- 8-KAug 15, 2025
- IRANNOTICEJul 30, 2025
- 10-QJul 30, 2025
- 8-KMay 2, 2025
- IRANNOTICEMay 1, 2025
Event-driven situations (3)
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