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STOCKS

Santander Bank Polska SA (DE:BZI)

FRANKFURT:BZI

BZI

Santander Bank Polska SA

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Santander Bank Polska SA (BZI) Ratios

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Santander Bank Polska SA Ratios

DE:BZI's free cash flow for Q1 2025 was zł1.00. For the 2025 fiscal year, DE:BZI's free cash flow was decreased by zł and operating cash flow was zł-0.04. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.15	0.06	11.36	7.31	8.80
Quick Ratio	0.15	0.06	39.03	17.55	21.24
Cash Ratio	0.09	0.07	10.52	6.69	8.07
Solvency Ratio	0.02	0.02	0.01	<0.01	<0.01
Operating Cash Flow Ratio	0.07	0.12	6.82	6.04	20.23
Short-Term Operating Cash Flow Coverage	0.00	66.56	0.00	0.00	0.00
Net Current Asset Value	zł -242.22B	zł -233.91B	zł -214.51B	zł -205.59B	zł -191.57B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.06	0.08	0.09
Debt-to-Equity Ratio	0.52	0.53	0.56	0.81	0.74
Debt-to-Capital Ratio	0.34	0.34	0.36	0.45	0.43
Long-Term Debt-to-Capital Ratio	0.34	0.29	0.00	0.45	0.43
Financial Leverage Ratio	9.07	8.71	9.15	9.59	8.49
Debt Service Coverage Ratio	-0.38	0.97	1.19	4.93	1.73
Interest Coverage Ratio	1.98	1.98	2.44	5.37	1.67
Debt to Market Cap	0.35	0.26	0.00	0.58	1.06
Interest Debt Per Share	228.21	215.51	182.92	204.72	206.41
Net Debt to EBITDA	0.00	0.69	0.49	3.71	4.92
Profitability Margins
Gross Profit Margin	107.92%	148.16%	100.00%	100.00%	100.00%
EBIT Margin	-3.31%	45.68%	34.71%	21.91%	20.92%
EBITDA Margin	0.00%	49.54%	38.96%	28.31%	27.84%
Operating Profit Margin	56.79%	70.90%	57.15%	21.18%	19.59%
Pretax Profit Margin	39.75%	46.34%	35.39%	22.73%	21.92%
Net Profit Margin	28.63%	32.68%	22.76%	12.28%	12.09%
Continuous Operations Profit Margin	28.93%	33.47%	23.78%	13.02%	14.42%
Net Income Per EBT	72.02%	70.53%	64.30%	54.02%	55.14%
EBT Per EBIT	70.00%	65.36%	61.92%	107.34%	111.90%
Return on Assets (ROA)	1.72%	1.75%	1.08%	0.45%	0.45%
Return on Equity (ROE)	16.76%	15.21%	9.88%	4.35%	3.84%
Return on Capital Employed (ROCE)	14.24%	8.67%	2.73%	0.79%	0.74%
Return on Invested Capital (ROIC)	10.31%	7.94%	6.03%	1.28%	1.33%
Return on Tangible Assets	1.73%	1.76%	1.09%	0.46%	0.46%
Earnings Yield	10.47%	9.65%	10.56%	3.12%	5.47%
Efficiency Ratios
Receivables Turnover	263.61	0.00	0.00	0.00	0.00
Payables Turnover	-25.04	-114.68	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	14.99	11.74	10.37	7.24	5.67
Asset Turnover	0.06	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.09	-0.22	1.04	0.98	0.96
Cash Conversion Cycle	15.96	3.18	0.00	0.00	0.00
Days of Sales Outstanding	1.38	0.00	0.00	0.00	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	-14.58	-3.18	0.00	0.00	0.00
Operating Cycle	1.38	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	153.66	178.18	85.39	97.75	204.40
Free Cash Flow Per Share	147.62	167.89	81.00	93.60	200.59
CapEx Per Share	6.04	6.21	4.39	4.15	3.81
Free Cash Flow to Operating Cash Flow	0.96	0.94	0.95	0.96	0.98
Dividend Paid and CapEx Coverage Ratio	3.01	5.97	10.92	13.86	43.89
Capital Expenditure Coverage Ratio	25.43	28.68	19.43	23.54	53.66
Operating Cash Flow Coverage Ratio	0.88	1.09	0.55	0.49	1.04
Operating Cash Flow to Sales Ratio	0.84	1.23	0.71	1.10	2.43
Free Cash Flow Yield	29.37%	34.28%	31.22%	26.86%	108.02%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.55	10.36	9.47	32.04	18.28
Price-to-Sales (P/S) Ratio	2.73	3.39	2.16	3.93	2.21
Price-to-Book (P/B) Ratio	1.49	1.58	0.94	1.39	0.70
Price-to-Free Cash Flow (P/FCF) Ratio	3.41	2.92	3.20	3.72	0.93
Price-to-Operating Cash Flow Ratio	3.27	2.75	3.04	3.57	0.91
Price-to-Earnings Growth (PEG) Ratio	2.95	0.14	0.06	4.52	-0.35
Price-to-Fair Value	1.49	1.58	0.94	1.39	0.70
Enterprise Value Multiple	0.00	7.53	6.02	17.61	12.86
Enterprise Value	48.28B	55.13B	28.85B	45.12B	30.70B
EV to EBITDA	0.00	7.53	6.02	17.61	12.86
EV to Sales	2.57	3.73	2.35	4.98	3.58
EV to Free Cash Flow	3.20	3.21	3.49	4.72	1.50
EV to Operating Cash Flow	3.07	3.03	3.31	4.52	1.47
Tangible Book Value Per Share	331.64	304.31	270.70	242.77	256.94
Shareholders’ Equity Per Share	338.29	310.82	277.11	249.85	264.36
Tax and Other Ratios
Effective Tax Rate	0.28	0.28	0.31	0.39	0.34
Revenue Per Share	183.91	144.65	120.37	88.59	84.01
Net Income Per Share	52.65	47.28	27.39	10.88	10.16
Tax Burden	0.72	0.71	0.64	0.54	0.55
Interest Burden	-11.99	1.01	1.02	1.04	1.05
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.12	0.28	0.12	0.11	0.18
Stock-Based Compensation to Revenue	<0.01	0.00	0.00	0.00	<0.01
Income Quality	2.19	3.77	2.00	4.85	11.10

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