Income statement, balance sheet and cash flow statement for the last 10 fiscal years, taken from the XBRL data Santander UK plc files with the SEC in its annual reports.
In GBP millions, except per-share amounts. Outflows in the cash flow statement are negative.
Income statement
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Revenue
4,795
4,912
4,534
4,035
3,852
4,499
4,956
5,096
4,657
4,729
Pre-tax income
1,917
1,817
1,545
1,012
605
1,888
1,874
2,100
1,349
1,482
Income tax
598
515
399
268
121
492
480
559
378
396
Income from continuing operations
703
439
1,353
1,394
1,541
Net income to minority interests
27
21
22
19
19
19
0
0
Net income
1,292
1,281
1,124
714
452
1,365
1,394
1,541
971
1,086
Balance sheet
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Cash and equivalents
27,871
46,697
46,715
42,871
36,781
29,181
28,738
Property, plant and equipment
1,491
1,598
1,832
1,967
1,734
1,548
1,513
Lease right-of-use assets
152
100
Goodwill
1,203
1,203
1,203
1,203
1,203
1,203
1,199
1,199
1,199
1,199
Intangible assets
482
539
605
563
443
342
351
349
340
312
Total assets
302,511
314,765
283,372
281,702
292,332
287,098
285,213
275,448
259,944
266,837
Total liabilities
287,058
298,560
267,463
265,685
276,396
270,996
270,806
260,825
246,171
251,689
Paid-in capital
5,620
5,620
5,620
5,620
5,620
5,620
5,620
5,620
5,620
1,119
Retained earnings
4,255
4,732
4,744
4,546
4,348
5,053
4,848
4,295
3,521
8,878
Shareholders' equity
15,303
16,053
15,758
15,857
15,774
16,102
14,407
Minority interests
150
152
151
160
162
0
Total equity
15,453
16,205
15,909
16,017
15,936
16,102
14,407
14,623
13,773
15,148
Total liabilities and equity
302,511
314,765
283,372
281,702
292,332
287,098
285,213
275,448
259,944
266,837
Cash flow statement
FY2017
FY2017
FY2018
FY2019
FY2020
FY2021
FY2022
FY2023
FY2024
FY2025
Net income
1,319
1,302
1,146
733
471
1,384
1,394
1,541
971
1,086
Cash from operations
18,005
23,976
-15,405
4,030
18,918
10,251
-3,992
-3,304
-3,331
-8,798
Cash from investing
-7,340
816
-3,682
2,890
6,636
3,077
-198
-2,747
-4,540
2,957
Dividends paid
-419
-829
-1,139
-315
-129
-1,358
Cash from financing
-6,388
-7,637
2,730
-4,180
-6,773
-10,753
277
19
285
5,410
Exchange rate effect
1,077
-634
160
-53
45
-18
69
-58
-14
-12
Interest paid
2,538
1,857
1,064
2,089
6,326
8,033
6,899
Income taxes paid
507
484
391
292
159
427
405
537
240
46
Key metrics
Worked out from the statements above. Latest values use fiscal 2025. No valuation: the share price is quoted in a different currency than the statements.
Profitability
Metric
Value
How it is calculated
Pre-tax margin
31.3%
Pre-tax income / revenue.
Net margin
23.0%
Net income / revenue.
Operating cash flow margin
-186.0%
Cash from operations / revenue.
Effective tax rate
26.7%
Income tax / pre-tax income, when pre-tax income is positive.
Return on assets (ROA)
0.4%
Net income / average total assets.
Growth
Metric
Value
How it is calculated
Revenue growth, 1y
1.5%
Revenue vs the same period a year earlier. Only from a positive base.
Revenue CAGR, 3y
-1.6%
Compound annual growth of revenue over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Revenue CAGR, 5y
4.2%
Compound annual growth of revenue over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Net income growth, 1y
11.8%
Net income vs the same period a year earlier. Only from a positive base.
Net income CAGR, 3y
-8.0%
Compound annual growth of net income over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Net income CAGR, 5y
19.2%
Compound annual growth of net income over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Total assets growth, 1y
2.7%
Total assets vs the same period a year earlier. Only from a positive base.
Total assets CAGR, 3y
-2.2%
Compound annual growth of total assets over 3 fiscal years: (end / start)^(1/3) - 1. Only when both values are positive.
Total assets CAGR, 5y
-1.8%
Compound annual growth of total assets over 5 fiscal years: (end / start)^(1/5) - 1. Only when both values are positive.
Balance sheet health
Metric
Value
How it is calculated
Liabilities / assets
94.3%
Total liabilities / total assets.
Goodwill and intangibles / assets
0.6%
(Goodwill + intangible assets) / total assets.
Efficiency
Metric
Value
How it is calculated
Asset turnover
0.02x
Revenue / average total assets.
What was Santander UK plc's revenue in fiscal 2025?
Santander UK plc reported revenue of £4.73B for fiscal 2025, 1.5% higher than the year before.
Was Santander UK plc profitable in fiscal 2025?
Yes. Net income was £1.09B, a net margin of 23%.
Source: SEC EDGAR XBRL company facts. Where a company tags only year-to-date figures, quarters are worked out as differences. Where a line is not tagged it is left empty, never estimated.