Santander UK plc
SNTUF, STNDF · Commercial Banks, NEC · EDGAR filings ↗
Grade
C61Stable UK prime-mortgage bank with below-average returns and no standout metric.
Strengths
- Improving credit quality (Stage 3 ratio 1.18% from 1.42%) and 20% net-income growth
- Solid prime mortgage book with conservative new-lending LTV ~65%
Risks
- Low ROE 7.2% (24th pct) and ROA 0.41% (20th pct) — sub-median returns
- Negative operating-cash margin (bank artifact) and modest net margin
Notable findings
- Strong balance sheetStrong balance sheet — $38.7B cash & investments
Key metrics
Net margin
23.0%
Return on equity
7.2%
Return on assets
0.4%
Revenue growth (QoQ)
8.9%
Net-income growth
20.0%
Tangible book value
$18.8B
Cash & investments
$38.7B
Recent filings
| Form | Filed | Period | Accession |
|---|---|---|---|
| 20-F | 2026-03-12 | 2025-12-31 | 0001087711-26-000008 ↗ |
| 20-F | 2025-03-07 | 2024-12-31 | 0001628280-25-011199 ↗ |
| 20-F | 2024-03-05 | 2023-12-31 | 0001628280-24-008865 ↗ |
| 20-F | 2023-03-07 | 2022-12-31 | 0001628280-23-006680 ↗ |
| 20-F | 2022-03-07 | 2021-12-31 | 0001628280-22-005240 ↗ |
| 20-F | 2021-03-04 | 2020-12-31 | 0001628280-21-003921 ↗ |
| 20-F | 2020-03-24 | 2019-12-31 | 0001193125-20-083397 ↗ |
| 20-F | 2019-03-11 | 2018-12-31 | 0001193125-19-069971 ↗ |
| 20-F | 2018-03-07 | 2017-12-31 | 0001193125-18-073621 ↗ |
| 20-F | 2017-03-01 | 2016-12-31 | 0001193125-17-064579 ↗ |
| 20-F | 2016-03-04 | 2015-12-31 | 0001193125-16-492766 ↗ |
| 20-F | 2015-03-04 | 2014-12-31 | 0001193125-15-076332 ↗ |