Companies: 10,795·Total market cap: $144.5T
Banco Santander, S.A.

Banco Santander, S.A.

BCDRFOTCFinancial Services● Active
$12.00
$-0.57(-4.53%)
Market Cap$176.1B
P/E Ratio—
52W High$13.48
52W Low$7.68
Cash on HandFinancialsRevenue

Banco Santander, S.A. (BCDRF) Cash on Hand — Cash & Short-Term Investments

Cash & cash equivalents plus short-term investments from the balance sheet, YoY change, and net cash vs debt context.

BCDRF · cash on hand · updated Dec 31, 2025

Core cash position

Cash & Short-Term Investments (CCE + ST Investments)
$332.50B▼ -1.2% vs prior year
FY · as of Dec 31, 2025 · Reported in EUR
Cash & Cash Equiv. (CCE)
$271.91B
cashAndCashEquivalents
Short-Term Investments
$60.59B
shortTermInvestments
YoY Change vs Prior Year
-1.2%
vs prior fiscal year
Latest Quarter
$137.84B
Q1 2026
Data Scope & Methodology

Cash on Hand = Cash & Cash Equivalents (CCE) + Short-Term Investments, as reported on the balance sheet (10-K/10-Q). Also referred to as cash reserves or cash position. Not free cash flow.

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · Reported in EUR

Source: FMP /balance-sheet-statement · SEC 10-K / 10-Q · USDUpdated: December 31, 2025

Net cash vs debt

Cash & ST Investments$332.50BCash on Hand
Total Debt$496.64BTotal Debt
Net Cash / Net Debt−$164.14BNet Debt Position
Cash vs Debt Ratio
Cash 40%Debt 60%

Banco Santander, S.A. carries a net debt position of $164.14B. Total debt ($496.64B) exceeds cash on hand ($332.50B). Banco Santander, S.A. cash vs debt ratio: 40% cash / 60% debt.

Net Cash = Cash & ST Investments − Total Debt$332.50B − $496.64B = −$164.14B

Cash on hand history

YoY Increase
YoY Decrease
Latest Year
BCDRF annual cash on hand history · Cash & Short-Term Investments · Source: FMP /balance-sheet-statement

Annual cash on hand by year

DateCash & ST InvestmentsYoY Change
Dec 31, 2025Latest$332.50B-1.2%
Dec 31, 2024$336.69B-22.6%
Dec 31, 2023$435.17B+34.2%
Dec 31, 2022$324.25B-3.3%
Dec 31, 2021$335.18B+26.2%
BCDRF cash on hand annual historical data · Cash & Short-Term Investments per balance sheet (10-K/10-Q) · Reported in USD · Source: FMP /balance-sheet-statement

Financial Services Sector Cash Reserves Comparison

#CompanyCash & ST Inv.Cash/MCap
#1
JPMorgan Chase & Co.
JPMorgan Chase & Co.
JPM
$1.48T176.8%#2
Berkshire Hathaway Inc.
Berkshire Hathaway Inc.
BRK-B
$373.31B35.5%
#3
Banco Santander, S.A.
Banco Santander, S.A.YOU
BCDRF
$332.50B179.8%
#4
Visa Inc.
Visa Inc.
V
$21.99B3.6%#5
Mastercard Incorporated
Mastercard Incorporated
MA
$10.90B2.5%
Financial Services sector cash reserves · Source: FMP /balance-sheet-statement + /profile · Sorted by Cash desccompanies with most cash on hand →

About cash on hand & methodology

Banco Santander, S.A. (BCDRF) cash on hand as of December 31, 2025 is $332.50B, comprising $271.91B in cash and cash equivalents (CCE) plus $60.59B in short-term investments — reported as Banco Santander, S.A. cash and short-term investments on the balance sheet (10-K filing). Also referred to as Banco Santander, S.A. cash reserves or cash position.

Banco Santander, S.A. annual cash on hand history shows decreased -1.2% in 2025: decreased -1.2% in 2025. Banco Santander, S.A. cash reserves in 2025 reflect the company's capital allocation strategy.

Banco Santander, S.A. carries total debt of $496.64B against cash of $332.50B, resulting in a net debt position of -$164.14B. For the full balance sheet, see the Financials → Balance Sheet tab.

Figures tie to SEC 10-K/10-Q balance sheet disclosures and FMP /balance-sheet-statement where noted.
Financial statementsFree cash flowNet incomeRevenueMarket capP/E ratioEarningsPrice history

Frequently asked questions

BCDRF cash on hand · 5 questions

As of December 31, 2025, Banco Santander, S.A. (BCDRF) has $332.50B in cash on hand — defined as cash and short-term investments on the balance sheet. This includes $271.91B in cash and cash equivalents (CCE) plus $60.59B in short-term investments. Latest quarter (March 31, 2026): $137.84B. Data sourced from the annual 10-K filing via FMP.

BCDRF cash on handBCDRF cash reservesBCDRF cash 2025how much cash does BCDRF have

▸ Source: FMP /balance-sheet-statement · US GAAP · Banco Santander, S.A. · Banco Santander, S.A. SEC 10-K & 10-Q filings · US GAAP · Last updated: December 31, 2025