SANTANDER CONSUMER FINANCE SA financials
SANTANDER CONSUMER FINANCE SA
Country: ES Reporting currency: EUR Latest annual report: 2024-12-31
LEI:
5493000LM0MZ4JPMGM90 Financial statements
(EUR, as reported — unscaled; 145 line items across 2 annual periods)
| Line item | 2024 | 2023 |
|---|---|---|
| Income statement | ||
| Gross profit | €4.54B | €4.53B |
| Administrative expenses | €1.84B | €1.88B |
| Employee benefits expense | €968.4M | €955.3M |
| Depreciation & amortisation | €229.8M | €208.8M |
| Profit before tax | €1.31B | €1.80B |
| Income tax expense | €273.0M | €479.6M |
| Profit for the year | €1.04B | €1.32B |
| — attributable to owners | €803.6M | €1.00B |
| — attributable to NCI | €233.5M | €317.2M |
| Total comprehensive income | €992.1M | €1.22B |
| Per share | ||
| Basic EPS | €0.38 | €0.48 |
| Diluted EPS | €0.38 | €0.48 |
| Free cash flow / share | €0.13 | €1.76 |
| Cash flow statement | ||
| Net cash from operating activities | €2.93B | €6.97B |
| Net cash from investing activities | -€1.59B | -€2.19B |
| Purchase of PP&E (capex) | €2.58B | €2.11B |
| Purchase of intangibles | €133.0M | €157.2M |
| Net cash from financing activities | -€748.3M | -€317.3M |
| Dividends paid | €500.0M | €607.5M |
| Balance sheet | ||
| Total assets | €148.08B | €143.35B |
| Property, plant & equipment | €5.30B | €4.30B |
| Intangible assets & goodwill | €2.23B | €2.25B |
| Inventories | €5.3M | €5.4M |
| Cash & equivalents | €11.86B | €11.28B |
| Total equity | €14.75B | €14.38B |
| Non-controlling interests | €2.73B | €2.52B |
| Deferred tax liabilities | €1.75B | €1.63B |
| Derived metrics | ||
| Free cash flow | €350.7M | €4.86B |
| Return on equity | 7.0% | 9.2% |
| Cash conversion ratio | 2.83× | 5.28× |
| Capex coverage | 1.14× | 3.30× |
| Other reported items | ||
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Assets | €126.2M | -€82.6M |
| Accumulated Fair Value Hedge Adjustment On Hedged Item Included In Carrying Amount Liabilities | €0 | €0 |
| Accumulated Other Comprehensive Income | -€724.8M | -€678.2M |
| Adjustments For Decrease Increase In Financial Assets Held For Trading | -€77.5M | -€110.1M |
| Adjustments For Decrease Increase In Other Assets | -€371.7M | €266.4M |
| Adjustments For Depreciation and Amortisation Expense | €229.8M | €208.8M |
| Adjustments For Increase Decrease In Financial Liabilities Held For Trading | -€90.9M | -€61.5M |
| Adjustments For Increase Decrease In Other Liabilities | €183.6M | €515.0M |
| Adjustments To Reconcile Profit Loss Other Than Changes In Working Capital | €2.52B | €1.97B |
| Amounts Removed From Equity and Included In Carrying Amount of Nonfinancial Asset Liability Whose Acquisition Or Incurrence Was Hedged Highly Probable Forecast Transaction Before Tax | €0 | €0 |
| Assets Under Insurance Contracts and Reinsurance Contracts Issued | €0 | €0 |
| Bank Overdrafts Classified As Cash Equivalents | €0 | €0 |
| Cancellation of Treasury Shares | €0 | €0 |
| Cash and Bank Balances At Central Banks | €9.22B | €8.35B |
| Cash Flows From Losing Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €7.4M | €841.2M |
| Cash Flows Used In Obtaining Control of Subsidiaries Or Other Businesses Classified As Investing Activities | €52.0M | €1.29B |
| Cash On Hand | €61.1M | €40.2M |
| Comprehensive Income Attributable To Noncontrolling Interests | €234.4M | €320.4M |
| Comprehensive Income Attributable To Owners of Parent | €757.8M | €899.9M |
| Current Tax Assets | €881.1M | €866.6M |
| Current Tax Liabilities | €284.6M | €285.5M |
| Deferred Tax Assets | €681.4M | €675.6M |
| Derivative Financial Assets Held For Hedging | €235.5M | €390.5M |
| Derivative Financial Liabilities Held For Hedging | €349.6M | €440.3M |
| Effect of Exchange Rate Changes On Cash and Cash Equivalents | -€7.8M | -€10.2M |
| Equity and Liabilities | €148.08B | €143.35B |
| Exposure To Credit Risk On Loan Commitments and Financial Guarantee Contracts | €25.45B | €25.64B |
| Fee and Commission Expense | €478.3M | €394.8M |
| Fee and Commission Income | €1.30B | €1.12B |
| Financial Assets At Amortised Cost | €122.29B | €121.13B |
| Financial Assets At Fair Value Through Other Comprehensive Income | €2.43B | €174.9M |
| Financial Assets At Fair Value Through Profit Or Loss Classified As Held For Trading | €246.4M | €323.9M |
| Financial Assets At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €0 | €0 |
| Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €1.4M | €1.5M |
| Financial Liabilities At Amortised Cost | €127.79B | €123.39B |
| Financial Liabilities At Fair Value Through Profit Or Loss Classified As Held For Trading | €252.6M | €343.6M |
| Financial Liabilities At Fair Value Through Profit Or Loss Designated As Upon Initial Recognition | €0 | €0 |
| Gain Recognised In Bargain Purchase Transaction | €0 | €38.9M |
| Gains Losses On Cash Flow Hedges Before Tax | -€9.1M | -€70.5M |
| Gains Losses On Exchange Differences On Translation Before Tax | -€104.9M | -€137.3M |
| Gains Losses On Exchange Differences On Translation Recognised In Profit Or Loss | €4.4M | -€4.4M |
| Gains Losses On Financial Assets At Fair Value Through Profit Or Loss Mandatorily Measured At Fair Value | €0 | €0 |
| Gains Losses On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | €14.2M | €1.7M |
| Gains Losses On Hedges of Net Investments In Foreign Operations Before Tax | €35.4M | €97.7M |
| Impairment Loss Impairment Gain and Reversal of Impairment Loss Determined In Accordance With IFRS9 | €1.03B | €683.9M |
| Impairment Loss Recognised In Profit Or Loss Intangible Assets and Goodwill | €4.0M | €5.3M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Be Reclassified To Profit Or Loss | -€2.0M | -€16.2M |
| Income Tax Relating To Components of Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss | €1.6M | -€10.9M |
| Income Taxes Paid Refund Classified As Operating Activities | -€565.3M | -€359.4M |
| Increase Decrease In Cash and Cash Equivalents | €584.9M | €4.45B |
| Increase Decrease Through Acquisition of Subsidiary | €0 | -€283.9M |
| Increase Decrease Through Conversion of Convertible Instruments | €0 | €0 |
| Increase Decrease Through Sharebased Payment Transactions | €0 | €0 |
| Increase Decrease Through Transfers and Other Changes Equity | €58.7M | €152.8M |
| Inflows of Cash From Investing Activities | €1.18B | €1.40B |
| Intangible Assets Other Than Goodwill | €500.0M | €537.3M |
| Interest Expense | €3.98B | €3.01B |
| Interest Revenue Expense | €3.52B | €3.43B |
| Investment Accounted For Using Equity Method | €790.8M | €826.0M |
| Investment Property | €5.9M | €5.9M |
| Investments In Associates Accounted For Using Equity Method | €529.9M | €500.8M |
| Investments In Joint Ventures Accounted For Using Equity Method | €260.9M | €325.2M |
| Issue of Equity | €0 | €0 |
| Issued Capital | €5.64B | €5.64B |
| Liabilities | €133.33B | €128.97B |
| Liabilities Arising From Insurance Contracts | €0 | €0 |
| Liabilities Included In Disposal Groups Classified As Held For Sale | €0 | €0 |
| Noncurrent Assets Or Disposal Groups Classified As Held For Sale | €108.2M | €65.3M |
| Other Adjustments For Noncash Items | €2.29B | €1.76B |
| Other Assets | €881.5M | €1.15B |
| Other Cash and Cash Equivalents | €2.59B | €2.89B |
| Other Comprehensive Income | -€45.0M | -€100.9M |
| Other Comprehensive Income Before Tax Cash Flow Hedges | -€19.9M | -€85.5M |
| Other Comprehensive Income Before Tax Financial Assets Measured At Fair Value Through Other Comprehensive Income | €14.8M | €1.6M |
| Other Comprehensive Income Before Tax Gains Losses From Investments In Equity Instruments | €4.9M | -€2.4M |
| Other Comprehensive Income Before Tax Gains Losses On Remeasurements of Defined Benefit Plans | €1.8M | -€33.8M |
| Other Comprehensive Income Before Tax Hedges of Net Investments In Foreign Operations | €35.4M | €97.7M |
| Other Comprehensive Income Net of Tax Exchange Differences On Translation | -€104.9M | -€131.6M |
| Other Comprehensive Income That Will Be Reclassified To Profit Or Loss Net of Tax | -€50.2M | -€75.6M |
| Other Comprehensive Income That Will Not Be Reclassified To Profit Or Loss Net of Tax | €5.2M | -€25.2M |
| Other Equity Interest | €0 | €0 |
| Other Liabilities | €2.23B | €2.21B |
| Other Nonfinancial Assets | €876.2M | €1.14B |
| Other Reserves | -€71.3M | €4.9M |
| Outflows of Cash From Investing Activities | €2.77B | €3.59B |
| Payments To Acquire Or Redeem Entitys Shares | €0 | €0 |
| Proceeds From Disposal of Noncurrent Assets Or Disposal Groups Classified As Held For Sale and Discontinued Operations | €22.8M | €4.2M |
| Proceeds From Issue of Subordinated Liabilities | €238.0M | €585.3M |
| Proceeds From Issuing Shares | €0 | €0 |
| Proceeds From Sale Or Issue of Treasury Shares | €0 | €0 |
| Proceeds From Sales of Intangible Assets Classified As Investing Activities | €0 | €0 |
| Proceeds From Sales of Investments Accounted For Using Equity Method | €110.2M | €46.6M |
| Proceeds From Sales of Property Plant and Equipment Classified As Investing Activities | €1.03B | €505.7M |
| Profit Loss From Continuing Operations | €1.04B | €1.32B |
| Profit Loss From Discontinued Operations | €0 | €0 |
| Provisions | €675.6M | €667.5M |
| Purchase of Interests In Investments Accounted For Using Equity Method | €0 | €27.0M |
| Purchase of Treasury Shares | €0 | €0 |
| Reclassification Adjustments On Cash Flow Hedges Before Tax | €10.8M | €14.9M |
| Reclassification Adjustments On Exchange Differences On Translation Before Tax | €0 | -€5.6M |
| Reclassification Adjustments On Financial Assets Measured At Fair Value Through Other Comprehensive Income Before Tax | -€530.0K | €60.0K |
| Reclassification Adjustments On Hedges of Net Investments In Foreign Operations Before Tax | €0 | €0 |
| Reduction of Issued Capital | €92.5M | €0 |
| Repayments of Subordinated Liabilities | €322.9M | €124.6M |
| Reserve of Equity Component of Convertible Instruments | €1.20B | €1.20B |
| Retained Earnings Excluding Profit Loss For Reporting Period | €4.03B | €3.65B |
| Revaluation Surplus | €0 | €0 |
| Revenue From Dividends | €259.0K | €243.0K |
| Revenue From Interest | €7.50B | €6.43B |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Be Reclassified To Profit Or Loss Net of Tax | €22.5M | €25.9M |
| Share of Other Comprehensive Income of Associates and Joint Ventures Accounted For Using Equity Method That Will Not Be Reclassified To Profit Or Loss Net of Tax | €129.0K | €4.0K |
| Share of Profit Loss of Associates and Joint Ventures Accounted For Using Equity Method | €66.9M | €77.1M |
| Share Premium | €1.14B | €1.14B |
| Treasury Shares | €0 | €0 |
Methodology
Every line item above is a fact tagged in SANTANDER CONSUMER FINANCE SA's annual report
filed in the European Single Electronic Format (ESEF) under the IFRS
taxonomy (ifrs-full) — the income statement, balance sheet
and cash-flow statement as the filer reported them. Values are shown
as-is, in the reporting currency (EUR), without
rescaling; the row labels map to the underlying concept name (e.g.
Revenue → ifrs-full:Revenue, Operating profit →
ifrs-full:ProfitLossFromOperatingActivities, Diluted EPS →
ifrs-full:DilutedEarningsLossPerShare), and any concept
without a curated label is shown under “Other reported items” with its
de-camel-cased tag name. Only consolidated, default-member facts are
shown (segment / dimensional breakdowns are excluded).
“Derived metrics” (free cash flow, margins, ROE, …) are computed from those facts by the same model the U.S. financials pages use — not tagged by the filer.
Source: machine-readable OIM xBRL-JSON aggregated by filings.xbrl.org (XBRL International). Entity identity is resolved by LEI via the public-domain GLEIF register. This is reference data, not investment advice.