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Santander Bank Polska SA (DE:BZI)
FRANKFURT:BZI
Germany Market
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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 Q2 2025 was zł0.77. For the 2025 fiscal year, DE:BZI's free cash flow was decreased by zł and operating cash flow was zł0.36. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.06 0.06 11.36 7.31 8.80
Quick Ratio
0.06 0.06 39.03 17.55 21.24
Cash Ratio
0.06 0.07 10.52 6.69 8.07
Solvency Ratio
0.02 0.02 0.01 <0.01 <0.01
Operating Cash Flow Ratio
0.05 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 -267.66Bzł -233.91Bzł -214.51Bzł -205.59Bzł -191.57B
Leverage Ratios
Debt-to-Assets Ratio
0.04 0.06 0.06 0.08 0.09
Debt-to-Equity Ratio
0.45 0.53 0.56 0.81 0.74
Debt-to-Capital Ratio
0.31 0.34 0.36 0.45 0.43
Long-Term Debt-to-Capital Ratio
0.31 0.29 0.00 0.45 0.43
Financial Leverage Ratio
10.07 8.71 9.15 9.59 8.49
Debt Service Coverage Ratio
-0.03 0.97 1.19 4.93 1.73
Interest Coverage Ratio
1.93 1.98 2.44 5.37 1.67
Debt to Market Cap
0.26 0.26 0.00 0.58 1.06
Interest Debt Per Share
189.24 215.51 182.92 204.72 206.41
Net Debt to EBITDA
0.20 0.69 0.49 3.71 4.92
Profitability Margins
Gross Profit Margin
95.00%148.16%100.00%100.00%100.00%
EBIT Margin
7.88%45.68%34.71%21.91%20.92%
EBITDA Margin
11.17%49.54%38.96%28.31%27.84%
Operating Profit Margin
56.32%70.90%57.15%21.18%19.59%
Pretax Profit Margin
45.59%46.34%35.39%22.73%21.92%
Net Profit Margin
30.80%32.68%22.76%12.28%12.09%
Continuous Operations Profit Margin
33.60%33.47%23.78%13.02%14.42%
Net Income Per EBT
67.55%70.53%64.30%54.02%55.14%
EBT Per EBIT
80.95%65.36%61.92%107.34%111.90%
Return on Assets (ROA)
1.78%1.75%1.08%0.45%0.45%
Return on Equity (ROE)
17.20%15.21%9.88%4.35%3.84%
Return on Capital Employed (ROCE)
11.20%8.67%2.73%0.79%0.74%
Return on Invested Capital (ROIC)
8.25%7.94%6.03%1.28%1.33%
Return on Tangible Assets
1.80%1.76%1.09%0.46%0.46%
Earnings Yield
10.54%9.65%10.56%3.12%5.47%
Efficiency Ratios
Receivables Turnover
246.68 0.00 0.00 0.00 0.00
Payables Turnover
83.50 -114.68 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
16.45 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
-2.89 3.18 0.00 0.00 0.00
Days of Sales Outstanding
1.48 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
4.37 -3.18 0.00 0.00 0.00
Operating Cycle
1.48 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
100.94 178.18 85.39 97.75 204.40
Free Cash Flow Per Share
95.33 167.89 81.00 93.60 200.59
CapEx Per Share
5.61 6.21 4.39 4.15 3.81
Free Cash Flow to Operating Cash Flow
0.94 0.94 0.95 0.96 0.98
Dividend Paid and CapEx Coverage Ratio
1.92 5.97 10.92 13.86 43.89
Capital Expenditure Coverage Ratio
17.99 28.68 19.43 23.54 53.66
Operating Cash Flow Coverage Ratio
0.74 1.09 0.55 0.49 1.04
Operating Cash Flow to Sales Ratio
0.57 1.23 0.71 1.10 2.43
Free Cash Flow Yield
18.31%34.28%31.22%26.86%108.02%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
9.49 10.36 9.47 32.04 18.28
Price-to-Sales (P/S) Ratio
2.92 3.39 2.16 3.93 2.21
Price-to-Book (P/B) Ratio
1.70 1.58 0.94 1.39 0.70
Price-to-Free Cash Flow (P/FCF) Ratio
5.46 2.92 3.20 3.72 0.93
Price-to-Operating Cash Flow Ratio
5.16 2.75 3.04 3.57 0.91
Price-to-Earnings Growth (PEG) Ratio
2.29 0.14 0.06 4.52 -0.35
Price-to-Fair Value
1.70 1.58 0.94 1.39 0.70
Enterprise Value Multiple
26.37 7.53 6.02 17.61 12.86
Enterprise Value
53.60B 55.13B 28.85B 45.12B 30.70B
EV to EBITDA
26.37 7.53 6.02 17.61 12.86
EV to Sales
2.95 3.73 2.35 4.98 3.58
EV to Free Cash Flow
5.50 3.21 3.49 4.72 1.50
EV to Operating Cash Flow
5.20 3.03 3.31 4.52 1.47
Tangible Book Value Per Share
300.12 304.31 270.70 242.77 256.94
Shareholders’ Equity Per Share
305.58 310.82 277.11 249.85 264.36
Tax and Other Ratios
Effective Tax Rate
0.26 0.28 0.31 0.39 0.34
Revenue Per Share
178.09 144.65 120.37 88.59 84.01
Net Income Per Share
54.85 47.28 27.39 10.88 10.16
Tax Burden
0.68 0.71 0.64 0.54 0.55
Interest Burden
5.79 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
0.13 0.28 0.12 0.11 0.18
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 <0.01
Income Quality
1.26 3.77 2.00 4.85 11.10
Currency in PLN
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