Santander Holdings Usa Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Santander Holdings Usa Inc (SOVXC) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Santander Holdings Usa Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 7,836M vs 1,344,609M combined for tracked competitors (0.6% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+6.2% annualized vs trailing 12 months), vs accelerating (+2.8%) for its tracked peer group.
- Growth: Santander Holdings Usa Inc generated 5.1% revenue growth year over year in Q2 2026, vs 15.1% for its tracked competitors combined.
- Profitability: Its 28.1% net margin compares with 25.3% for the peer group.
- Peer revenue share: Santander Holdings Usa Inc accounted for 0.6% of combined revenue among its tracked peer group, down from 0.7% a year earlier.
- Peer differentiation: Revenue per employee of $0.66M compares with $0.75M for the peer group (0.9x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
SOVXC Sales vs. its Competitors, Q2 2026
Santander Holdings Usa Inc reported revenue growth of 5.07 % year on year in Q2 2026, below its competitors' combined revenue growth of 15.11 %.
With a net margin of 28.12 %, Santander Holdings Usa Inc achieved higher profitability than its competitors (25.28 %).
Santander Holdings Usa Inc generated 0.60 % of the combined sales of its peer group, down from 0.65 % a year earlier.
Santander Holdings Usa Inc vs. its Competitors, Q2 2026
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Santander Holdings Usa Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Santander Holdings Usa Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Santander Holdings Usa Inc's competitor groups requires a Commercial License.
For context: the Commercial Banks industry grew revenue 44.1% year over year, combined, vs 5.1% for Santander Holdings Usa Inc. Santander Holdings Usa Inc's share of combined industry revenue moved from 1.05% to 0.76%, a loss of 0.28 percentage points.
Santander Holdings Usa Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Santander Holdings Usa Inc | Yes | Yes | No | No |
| Competitors combined (219) | ||||
| High-Confidence Competitors (3) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
SOVXC Stock Performance relative to its Competitors
SOVXC Stock Performance relative to High-Confidence Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Brookline Bancorp inc | 282.9% | Outperformed |
| 2 | Community Ban corp | 282.9% | Outperformed |
| 3 | Bank Of The James Financial Group Inc | 282.9% | Outperformed |
| 4 | The Bank Of New York Mellon Corporation | 282.9% | Outperformed |
| 5 | Wisdomtree Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Santander Holdings Usa Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Santander Holdings Usa Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Santander Holdings Usa Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Santander Holdings Usa Inc | - | 7,835.89 |
| Jpmorgan Chase and Co | 906,840.78 | 186,328.00 |
| Bank Of America Corporation | 404,609.27 | 121,098.00 |
| Morgan Stanley | 303,821.16 | 68,350.00 |
| The Goldman Sachs Group Inc | 279,373.77 | 52,259.00 |
| Wells Fargo and Company | 248,473.80 | 83,940.00 |
| SUBTOTAL | 4,435,973.61 | 1,719,280.67 |
Sign in to see all competitors of Santander Holdings Usa Inc .
Sources: Santander Holdings Usa Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Santander Holdings Usa Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Santander Holdings Usa Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| FCA | Named by the company | 85% |
| Inter and Co Inc | Named by the company | 85% |
| Vinci Compass Investments Ltd | Named by the company | 85% |
| SBNA | Named by the company | 85% |
| Klarna Group Plc | Named by the company | 85% |
| Stellantis | Named by the company | 85% |
| Bank Bradesco | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Santander Holdings Usa Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Santander Holdings Usa Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Citigroup inc | Markets 29.42 % |
| Schwab Charles Corp | Investor Services 78.17 % |
| Apollo Global Management Inc | Retirement Services 36.50 % |
| Energy Transfer Lp | Crude oil transportation and services 27.94 % |
| Prudential Financial Inc | Total Reconciling Items 1.88 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Sign in to see all peers for Santander Holdings Usa Inc .
Santander Holdings Usa Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Santander Holdings Usa Inc | - | 664,058 | 150,883 |
| Jpmorgan Chase and Co | 906,841 | 584,995 | 200,752 |
| Bank Of America Corporation | 404,609 | 568,535 | 158,005 |
| Morgan Stanley | 303,821 | 823,494 | 245,422 |
| The Goldman Sachs Group Inc | 279,374 | 1,102,511 | 442,468 |
| Wells Fargo and Company | 248,474 | 351,213 | 95,100 |
| PEERS TOTAL | 4,435,974 | 746,328 | 152,081 |
Sign in to see all peers for Santander Holdings Usa Inc .
Santander Holdings Usa Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Blackrock Inc | Americas 64.41 % |
| Franklin Resources Inc | United States 72.53 % |
| Invesco Ltd | Americas 75.98 % |
| Stifel Financial Corp | Americas 55.21 % |
| Houlihan Lokey Inc | United States 71.23 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Sign in to see all peers for Santander Holdings Usa Inc .
Santander Holdings Usa Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 81 companies in Santander Holdings Usa Inc's industry classification, broader than the peer set above. Market cap in millions of $.Santander Holdings Usa Inc ranks #0 of 81 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,894, indicating a moderately concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Jpmorgan Chase and Co | 906,841 | 36.94 % |
| 2 | Bank Of America Corporation | 404,609 | 16.48 % |
| 3 | Wells Fargo and Company | 248,474 | 10.12 % |
| 4 | Citigroup inc | 233,260 | 9.50 % |
| 5 | Capital one financial corp | 1,234 | 5.2% |
| 6 | Us Bancorp De | 1,234 | 5.2% |
| 7 | Pnc Financial Services Group Inc | 1,234 | 5.2% |
| 8 | Truist Financial Corporation | 1,234 | 5.2% |
| 9 | Huntington Bancshares Incorporated | 1,234 | 5.2% |
| 10 | Mizuho Financial Group Inc | 1,234 | 5.2% |
| 0 | Santander Holdings Usa Inc | - | 0.00 % |
Market cap and industry share for the rest of Santander Holdings Usa Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2018-07-02.
Santander Holdings Usa Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Commercial Banks industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (46 companies). See the full Commercial Banks industry profitability benchmarks.| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | - | 65.76 % (avg) | - |
| Operating Margin | - | industry median | - |
| EBITDA Margin | 114.30 % | 50.98 % (avg) | +63.3 pp |
| Capital Intensity (Capex / Revenue) | 13.40 % | 1.97 % (avg) | +11.4 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Santander Holdings Usa Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 24.32 % | 4.30 % | 9.62 % | 8.70 % | -5.57 % | 45.80 % | 1.85 % | 7.35 % |
| Operating Margin | 15.05 % | 12.41 % | 19.55 % | 19.21 % | -10.31 % | 43.37 % | 13.40 % | 23.68 % |
| Return on Invested Capital | 2.05 % | 0.88 % | 1.51 % | 1.47 % | -0.80 % | 4.92 % | 0.53 % | 1.83 % |
| P/E | - | - | - | - | - | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Santander Holdings Usa Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Moderate | Industry HHI of 1,894 (see Industry Market Structure & Concentration above) |
| Barriers to Entry | High (capital intensive) | Capital intensity (capex / revenue) of 13.40 % vs industry average 1.97 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Santander Holdings Usa Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Santander Holdings Usa Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Santander Holdings Usa Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Santander Holdings Usa Inc falls in the Medium attractiveness / High strength cell: Invest / Grow.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Santander Holdings Usa Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+6.2% annualized vs trailing 12 months).
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
Opportunities
- Industry revenue growing at a healthy 13.0% median pace.
Threats
- Industry dominated by Jpmorgan Chase and Co, holding 36.94 % of industry market cap.
- High capital intensity requires continuous reinvestment just to keep pace with the industry.
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Santander Holdings Usa Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Santander Holdings Usa Inc | 0.17 | 0.22 | 2.56 |
| Jpmorgan Chase and Co | 0.17 | 0.42 | 1.40 |
| Bank Of America Corporation | 0.09 | 0.52 | 1.25 |
| Morgan Stanley | 0.40 | 1.12 | 3.16 |
| The Goldman Sachs Group Inc | 0.50 | 0.79 | 3.11 |
| Wells Fargo and Company | 0.11 | 0.80 | 1.41 |
Sign in to see all peers for Santander Holdings Usa Inc .
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Santander Holdings Usa Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Santander Holdings Usa Inc | Q2 2026 | +5.1 % | +17.5 % |
| Jpmorgan Chase and Co | Q2 2026 | +30.4 % | +44.0 % |
| Bank Of America Corporation | Q2 2026 | +15.0 % | +27.5 % |
| Morgan Stanley | Q2 2026 | -30.6 % | +58.1 % |
| The Goldman Sachs Group Inc | Q2 2026 | -65.3 % | +78.0 % |
| Wells Fargo and Company | Q2 2026 | +14.2 % | +21.6 % |
| PEERS TOTAL | +21.7 % | +48.0 % |
Sign in to see all peers for Santander Holdings Usa Inc .
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Santander Holdings Usa Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Santander Holdings Usa Inc | Q2 2026 | - | -32.3 % |
| Jpmorgan Chase and Co | Q2 2026 | -6.4 % | - |
| Bank Of America Corporation | Q2 2026 | - | - |
| Morgan Stanley | Q2 2026 | - | +7.3 % |
| The Goldman Sachs Group Inc | Q2 2026 | -73.4 % | +5.5 % |
| Wells Fargo and Company | Q2 2026 | -16.2 % | - |
Sign in to see all peers for Santander Holdings Usa Inc .
Santander Holdings Usa Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Santander Holdings Usa Inc | 1.07% | 2.13% | 10.85% |
| Jpmorgan Chase and Co | 1.35% | 3.71% | 17.50% |
| Bank Of America Corporation | 0.97% | 2.76% | 11.13% |
| Morgan Stanley | 1.35% | 1.95% | 17.85% |
| The Goldman Sachs Group Inc | 1.07% | 1.86% | 16.95% |
| Wells Fargo and Company | 1.05% | 2.94% | 12.48% |
Sign in to see all peers for Santander Holdings Usa Inc .
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Santander Holdings Usa Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Santander Holdings Usa Inc | - | - |
| Jpmorgan Chase and Co | 14.17 | 4.87 |
| Bank Of America Corporation | 12.78 | 3.34 |
| Morgan Stanley | 15.67 | 4.45 |
| The Goldman Sachs Group Inc | 14.19 | 5.35 |
| Wells Fargo and Company | 11.82 | 2.96 |
| PEERS AVERAGE | 12.66 | 2.58 |
Sign in to see all peers for Santander Holdings Usa Inc .
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.