Bancontander (XMAD:SAN) Net Loan: €1,070,809 Mil (As of Mar. 2026)

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XMAD:SAN Banco Santander SA XMAD:SAN
58 GF Score
Price €11.81
GF Value €5.10
Valuation Significantly Overvalued
! 6 Warning Signs
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What is Bancontander Net Loan?

Bancontander XMAD:SAN -1.07% 58 Net Loan is €1,070,809 Mil as of Mar. 2026. GuruFocus rates XMAD:SAN with a GF Score™ of 58/100 and a GF Value™ of €5.10 (Significantly Overvalued). The stock has 6 warning signs investors should review.

Bancontander's quarterly net loan declined from Sep. 2025 (€1,065,294 Mil) to Dec. 2025 (€1,063,271 Mil) but then increased from Dec. 2025 (€1,063,271 Mil) to Mar. 2026 (€1,070,809 Mil).

Bancontander's annual net loan increased from Dec. 2023 (€1,064,693 Mil) to Dec. 2024 (€1,063,271 Mil) but then declined from Dec. 2024 (€1,063,271 Mil) to Dec. 2025 (€1,070,809 Mil).

Bancontander Net Loan Historical Data

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The historical data trend for Bancontander's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bancontander Net Loan Chart

Bancontander Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 995,863.00 984,152.00 1,064,693.00 1,079,723.00 1,063,271.00

Bancontander Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1,064,416.00 980,749.00 1,065,294.00 1,063,271.00 1,070,809.00
XMAD:SAN
58GF Score
Banco Santander SA XMAD:SAN
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Bancontander Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of €1,070,809 Mil mean?
Bancontander (XMAD:SAN) has a Net Loan of €1,070,809 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Bancontander and its competitors.
Is Bancontander's Net Loan too high?
Bancontander's current Net Loan is €1,070,809 Mil. Overall, Bancontander has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bancontander's Net Loan compare to JPM and BAC?
Bancontander's Net Loan of €1,070,809 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Bancontander and its competitors. Bancontander's current Net Loan is €1,070,809 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bancontander stock overvalued right now?
Based on GuruFocus' analysis, Bancontander (XMAD:SAN) is currently considered Significantly Overvalued. The stock's GF Value™ is €5.10, compared to a current price of €11.81 — trading 131.6% above its estimated fair value. The current Net Loan is €1,070,809 Mil. Bancontander's overall GF Score™ is 58/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Bancontander (XMAD:SAN), the current Net Loan is €1,070,809 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bancontander (XMAD:SAN) Overvalued in 2026?

Based on GuruFocus' analysis, Bancontander stock appears to be overvalued. The current stock price of €11.81 is trading 131.6% above its estimated GF Value™ of €5.10. GuruFocus considers Bancontander to be Significantly Overvalued.

Key valuation signals for XMAD:SAN:

  • Net Loan: €1,070,809 Mil
  • GF Value™: €5.10 vs. price of €11.81 (131.6% above fair value)
  • GF Score™: 58/100 with 6 warning signs

No single metric tells the full story. See the XMAD:SAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Bancontander Business Description

Address Avenida de Cantabria s/n, Boadilla del Monte, Ciudad Grupo Santander, Madrid, ESP, 28660
Santander's focus is on retail and commercial banking. Latin America is geographically the most significant operation, with Brazil making the largest contribution. Its continental European business is mainly in Spain and Portugal. Santander's UK presence is the result of its acquisition of Abbey building society. In the US, Santander operates a vehicle finance business and a regional bank focused on the Northeastern states.
58GF Score

Get the complete analysis for XMAD:SAN

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€11.81
Price
€5.10
GF Value