{ "ok": true, "cik": "811830", "ticker": "SNUS-PH", "name": "SANTANDER HOLDINGS USA, INC.", "filings": [ { "form": "8-K", "filed": "2026-09-15", "items": [ "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/811830/000119312526391406/0001193125-26-391406-index.htm" }, { "form": "8-K", "filed": "2026-08-27", "items": [ "3.02 Unregistered Sales of Equity Securities", "5.03 Amendments to Articles or Bylaws; Change in Fiscal Year", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/811830/000119312526371544/0001193125-26-371544-index.htm" }, { "form": "8-K", "filed": "2026-08-20", "items": [ "1.01 Entry into a Material Definitive Agreement", "2.01 Completion of Acquisition or Disposition of Assets", "2.03 Creation of a Direct Financial Obligation", "3.03 Material Modifications to Rights of Security Holders", "5.03 Amendments to Articles or Bylaws; Change in Fiscal Year", "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/811830/000095010326012673/0000950103-26-012673-index.htm" }, { "form": "8-K", "filed": "2026-08-12", "items": [ "2.02 Results of Operations and Financial Condition", "7.01 Regulation FD Disclosure", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/811830/000081183026000032/0000811830-26-000032-index.htm" }, { "form": "8-K", "filed": "2026-08-05", "items": [ "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/811830/000095010326011922/0000950103-26-011922-index.htm" }, { "form": "10-Q", "filed": "2026-07-31", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/811830/000081183026000029/0000811830-26-000029-index.htm" } ], "events12m": 11, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000811830.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=811830" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets, no buy or sell views.", "edgar": "🫧 Edgar looked up SANTANDER HOLDINGS USA, INC. ($SNUS-PH). Last filing: 8-K (8.01 Other Events), 2026-09-15. 11 event filings (8-K) in the past twelve months.", "auditor": { "changes": [], "nonReliance": [], "restatedSince": null }, "metrics": { "fiscalYearEnd": "2021-12-31", "revenue": 0, "revenueGrowth1y": null, "revenueGrowthPerYear": null, "yearsOfData": 5, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": null, "operatingCashFlow": 8539268000, "capitalSpending": 233640000, "freeCashFlow": 8305628000, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 19300000000, "longTermDebt": 41133187000, "longTermDebtChange": -0.11273382413995403, "revenueHistory": [ { "fiscalYearEnd": "2017-12-31", "revenue": 0 }, { "fiscalYearEnd": "2018-12-31", "revenue": 0 }, { "fiscalYearEnd": "2019-12-31", "revenue": 0 }, { "fiscalYearEnd": "2020-12-31", "revenue": 0 }, { "fiscalYearEnd": "2021-12-31", "revenue": 0 } ], "totalEquity": 22513955000, "totalAssets": 159821231000, "equityRatio": 0.14086961324931854, "returnOnEquity": 0.1608472167595609, "dividendsPaid": 0, "payoutRatio": 0, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "range80": null, "ifPaceHeld": null }, "edgarette": "🔖 Exposure: revenue $0K (FY2021), total debt $41.1B. Experience: one year on record. Soundness: equity 14.1% of assets, return on equity 16.1%, payout 0.0% of profit. Credibility: four or more audited years, reasonable weight.", "peers": { "sic": 6021, "sicDescription": "National Commercial Banks", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6021", "growth": [ 0.0717, 20 ], "equityRatio": [ 0.1055, 19 ], "returnOnEquity": [ 0.1028, 18 ], "payoutRatio": [ 0.4022, 16 ] }, "summary": "Santander Holdings Usa (SNUS-PH) reported revenue of $0 million in FY2021, equity 14.1% of assets. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
SANTANDER HOLDINGS USA, INC. against its own record and its peers
Equity of assetsPeer median 10.5%14.1%Return on equityPeer median 10.3%16.1%Payout of profitPeer median 40.2%0.0%Gold tick: the median of 16–19 peers with $50M+ revenue in national commercial banks
", "chartHorizon": "
Handed back now, or kept to compound
Of each dollar of profit0.0% paid out100.0% keptGrowth its own profit can fund16.1%retained x return on equity

Gold is paid out to shareholders; navy is kept in the business. Retained profit times return on equity is the pace a company can fund from itself. Facts from the filings, not a recommendation.

", "backtest": { "tests": 0, "hits": 0, "rate": null, "method": "v3", "note": "hindsight: past years, same calibrated range. The range was calibrated on 2022-2024 SEC data, so years in that window are partly in-sample." }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "schema": "pops4.edgarette.card/1", "card": { "summary": "Santander Holdings Usa (SNUS-PH) reported revenue of $0 million in FY2021, equity 14.1% of assets. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2021-12-31", "revenue": 0, "totalDebt": 41133187000, "cash": 19300000000 }, "experience": { "revenueGrowth1y": null, "revenueGrowthPerYear": null, "operatingMargin": null, "operatingMarginPrior": null, "netMargin": null, "freeCashFlow": 8305628000 }, "soundness": { "equityRatio": 0.14086961324931854, "returnOnEquity": 0.1608472167595609, "payoutRatio": 0, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 6021, "sicDescription": "National Commercial Banks", "calendarYear": 2025, "minRevenue": 50000000, "depth": 4, "group": "6021", "growth": [ 0.0717, 20 ], "equityRatio": [ 0.1055, 19 ], "returnOnEquity": [ 0.1028, 18 ], "payoutRatio": [ 0.4022, 16 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": null, "auditorChange": null }, "range": null, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0000811830.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=811830" } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same if-the-pace-held arithmetic applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so." } }