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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	15.50	0.06	11.36	7.31	8.80
Quick Ratio	38.68	0.06	39.03	17.55	21.24
Cash Ratio	14.28	0.07	10.52	6.69	8.07
Solvency Ratio	0.02	0.02	0.01	<0.01	<0.01
Operating Cash Flow Ratio	5.41	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 -172.07B	zł -233.91B	zł -214.51B	zł -205.59B	zł -191.57B
Leverage Ratios
Debt-to-Assets Ratio	0.10	0.06	0.06	0.08	0.09
Debt-to-Equity Ratio	0.82	0.53	0.56	0.81	0.74
Debt-to-Capital Ratio	0.45	0.34	0.36	0.45	0.43
Long-Term Debt-to-Capital Ratio	0.00	0.29	0.00	0.45	0.43
Financial Leverage Ratio	8.24	8.71	9.15	9.59	8.49
Debt Service Coverage Ratio	1.60	0.97	1.19	4.93	1.73
Interest Coverage Ratio	1.56	1.98	2.44	5.37	1.67
Debt to Market Cap	0.00	0.26	0.00	0.58	1.06
Interest Debt Per Share	222.75	215.51	182.92	204.72	206.41
Net Debt to EBITDA	2.96	0.69	0.49	3.71	4.92
Profitability Margins
Gross Profit Margin	100.00%	148.16%	100.00%	100.00%	100.00%
EBIT Margin	34.15%	45.68%	34.71%	21.91%	20.92%
EBITDA Margin	40.90%	49.54%	38.96%	28.31%	27.84%
Operating Profit Margin	31.59%	70.90%	57.15%	21.18%	19.59%
Pretax Profit Margin	34.87%	46.34%	35.39%	22.73%	21.92%
Net Profit Margin	22.98%	32.68%	22.76%	12.28%	12.09%
Continuous Operations Profit Margin	25.55%	33.47%	23.78%	13.02%	14.42%
Net Income Per EBT	65.90%	70.53%	64.30%	54.02%	55.14%
EBT Per EBIT	110.40%	65.36%	61.92%	107.34%	111.90%
Return on Assets (ROA)	1.02%	1.75%	1.08%	0.45%	0.45%
Return on Equity (ROE)	8.41%	15.21%	9.88%	4.35%	3.84%
Return on Capital Employed (ROCE)	1.41%	8.67%	2.73%	0.79%	0.74%
Return on Invested Capital (ROIC)	3.80%	7.94%	6.03%	1.28%	1.33%
Return on Tangible Assets	1.03%	1.76%	1.09%	0.46%	0.46%
Earnings Yield	6.81%	9.65%	10.56%	3.12%	5.47%
Efficiency Ratios
Receivables Turnover	0.00	0.00	0.00	0.00	0.00
Payables Turnover	0.00	-114.68	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.43	11.74	10.37	7.24	5.67
Asset Turnover	0.04	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	0.91	-0.22	1.04	0.98	0.96
Cash Conversion Cycle	0.00	3.18	0.00	0.00	0.00
Days of Sales Outstanding	0.00	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	0.00	-3.18	0.00	0.00	0.00
Operating Cycle	0.00	0.00	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	35.68	178.18	85.39	97.75	204.40
Free Cash Flow Per Share	31.27	167.89	81.00	93.60	200.59
CapEx Per Share	4.42	6.21	4.39	4.15	3.81
Free Cash Flow to Operating Cash Flow	0.88	0.94	0.95	0.96	0.98
Dividend Paid and CapEx Coverage Ratio	1.42	5.97	10.92	13.86	43.89
Capital Expenditure Coverage Ratio	8.08	28.68	19.43	23.54	53.66
Operating Cash Flow Coverage Ratio	0.17	1.09	0.55	0.49	1.04
Operating Cash Flow to Sales Ratio	0.39	1.23	0.71	1.10	2.43
Free Cash Flow Yield	10.17%	34.28%	31.22%	26.86%	108.02%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	14.68	10.36	9.47	32.04	18.28
Price-to-Sales (P/S) Ratio	3.37	3.39	2.16	3.93	2.21
Price-to-Book (P/B) Ratio	1.23	1.58	0.94	1.39	0.70
Price-to-Free Cash Flow (P/FCF) Ratio	9.83	2.92	3.20	3.72	0.93
Price-to-Operating Cash Flow Ratio	8.61	2.75	3.04	3.57	0.91
Price-to-Earnings Growth (PEG) Ratio	-1.26	0.14	0.06	4.52	-0.35
Price-to-Fair Value	1.23	1.58	0.94	1.39	0.70
Enterprise Value Multiple	11.20	7.53	6.02	17.61	12.86
Enterprise Value	42.63B	55.13B	28.85B	45.12B	30.70B
EV to EBITDA	11.20	7.53	6.02	17.61	12.86
EV to Sales	4.58	3.73	2.35	4.98	3.58
EV to Free Cash Flow	13.36	3.21	3.49	4.72	1.50
EV to Operating Cash Flow	11.70	3.03	3.31	4.52	1.47
Tangible Book Value Per Share	239.94	304.31	270.70	242.77	256.94
Shareholders’ Equity Per Share	249.12	310.82	277.11	249.85	264.36
Tax and Other Ratios
Effective Tax Rate	0.25	0.28	0.31	0.39	0.34
Revenue Per Share	91.14	144.65	120.37	88.59	84.01
Net Income Per Share	20.95	47.28	27.39	10.88	10.16
Tax Burden	0.66	0.71	0.64	0.54	0.55
Interest Burden	1.02	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	0.03	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	1.12	3.77	2.00	4.85	11.10

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