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Santander (SAN) Issues $2.8B Senior Notes After Record €3.5B Profit

Banco Santander, S.A. (NYSE:SAN) is one of the best European bank stocks to buy now. On November 6, Banco Santander, S.A. (NYSE:SAN) issued $2.8 billion in senior non-preferred notes through a multi-tranche offering. The first tranche consists of $300 million floating-rate notes due 2030. The other two tranches are $1.25 billion apiece; one is a 4.551% fixed-rate note due 2030, paying semi-annually, and the other is a 5.127% fixed-rate note due 2035, also paying semi-annually.

Earlier on November 4, Banco Santander SA launched a new digital platform designed to address regulatory barriers. Navigator Global is the platform designed to connect trader partners and market intelligence across international markets. Launched in the UK, the platform is poised to go live in the US and into other markets. Navigator Global is set to replace a UK-only platform that operated between 2021 and 2025, supporting 2,500 businesses. The new platform is to come with enhanced capabilities, including a trade tool capable of creating unique action plans for international trade.

This move follows a strong financial performance in Q3 2025, which the bank announced on October 29. Santander’s quarterly profit touched a new record, coming in at €3.5 billion. Revenue reached ​€17.81 billion, surpassing the expected €17.75 billion. Though robust, the €0.2566 EPS delivered a negative surprise of 1.65%.

In terms of operations, Santander added 7 million new customers year-on-year, bringing its total to 178 million globally. The lender also improved its efficiency ratio to 41.3%, its best in over 15 years. Santander’s success was supported by its focus on digital transformation and tighter cost controls. Despite a tough interest rate backdrop, the bank continued to hold its competitive position across a range of markets compared with prior quarters.

Banco Santander, S.A. (NYSE:SAN) is Spain’s largest bank and one of Europe’s leading financial institutions. It operates across retail banking, corporate banking, investment banking, and consumer finance, serving more than 176 million customers worldwide.

While we acknowledge the potential of SAN to grow, our conviction lies in the belief that some AI stocks hold greater promise for delivering higher returns and have limited downside risk. If you are looking for an AI stock that is more promising than SAN and that has 100x upside potential, check out our report about this cheapest AI stock.

READ NEXT: 11 Best Solar Energy Stocks to Buy Right Now and 11 Must-Buy US Stocks to Buy Now.

Disclosure: None. This article is originally published at Insider Monkey.

The $250 Trillion AI Hype is Real. A few years from now, you’ll probably wish you’d bought this stock.

Dr. Inan Dogan

Dr. Ian Dogan

Co-Founder and Research Director at Insider Monkey

When Jeff Bezos said that one breakthrough technology would shape Amazon’s destiny, even Wall Street’s biggest analysts were caught off guard.

Fast forward a year and Amazon’s new CEO Andy Jassy described generative AI as a “once-in-a-lifetime” technology that is already being used across Amazon to reinvent customer experiences.

At the 8th Future Investment Initiative conference, Elon Musk predicted that by 2040 there would be at least 10 billion humanoid robots, with each priced between $20,000 and $25,000.

Do the math. According to Musk, this technology could be worth $250 trillion by 2040.

Put another way, that’s roughly equal to:

  • 175 Teslas
  • 107 Amazons
  • 140 Metas
  • 84 Googles
  • 65 Microsofts
  • And 55 Nvidias

And here’s the wild part — this $250 trillion wave isn’t tied to one company, but to an entire ecosystem of AI innovators set to reshape the global economy.

It’s a leap so massive, it could reshape how businesses, governments, and consumers operate worldwide.

Even if that $250 trillion figure sounds ambitious, major firms like PwC and McKinsey still see AI unlocking multi-trillion-dollar potential.

How could anything be worth that much?

The answer lies in a breakthrough so powerful it’s redefining how humanity works, learns, and creates.

And this breakthrough has already set off a frenzy among hedge funds and Wall Street’s top investors.

What most investors don’t realize is that one under-owned company holds the key to this $250 trillion revolution.

In fact, Verge argues this company’s supercheap AI technology should concern rivals.

Before I reveal the details, let’s talk about how some of the richest people on the planet are positioning themselves.

  • Bill Gates sees artificial intelligence as the “biggest technological advance in my lifetime,” more transformative than the internet or personal computer, capable of improving healthcare, education, and addressing climate change.
  • Larry Ellison — through Oracle, is spending billions on Nvidia chips and partnering with Cohere to embed generative AI across Oracle’s cloud and apps.
  • Warren Buffett — not known for tech hype — says this breakthrough could have a ‘hugely beneficial social impact.

When billionaires from Silicon Valley to Wall Street line up behind the same idea — you know it’s worth paying attention to.

Even as we admire what Tesla, Nvidia, Alphabet, and Microsoft have built, we believe an even greater opportunity lies elsewhere…

But the real story isn’t Nvidia — it’s a much smaller company quietly improving the critical technology that makes this entire revolution possible.

And judging by what I’m hearing from both Silicon Valley insiders and Wall Street veterans…

This prediction might not be bold at all:

A few years from now, you’ll wish you’d owned this stock.

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Wall Street calls this $3 stock a “Melting Ice Cube.” They said the same thing about BTI before it returned 90%.

Dr. Inan Dogan

Dr. Ian Dogan

Co-Founder and Research Director at Insider Monkey

My name is Inan Dogan. I’m the co-founder and Research Director of Insider Monkey. I have an important message for you today.

Since March 2017, my stock picks have returned 16.5% annually. Today, I’ve found an opportunity even bigger than my British American Tobacco call.

Two years ago, Wall Street wrote off British American Tobacco (BTI) as a “melting ice cube.” The stock had crashed 40% from its peak, and consensus said the business was dying.

We looked under the cover and realized they were wrong.

We alerted our subscribers, and BTI returned 90% in just 16 months.

Now if you had invested just $10,000 in BTI in June 2024, you’d be sitting on $19,000 in October 2025.

Today, we have identified a nearly identical pattern in a digital-first giant trading at $3.

While the market panics over a surface-level revenue decline, our PhD-led research shows management has actually surgically cut $100 million in waste to focus on high-margin growth.

This pattern is a hallmark of our 16.5% annual return track record. The current opportunity offers a 400% upside potential—dwarfing even our 90% BTI return.

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