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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 Q3 2025 was zł0.00. For the 2025 fiscal year, DE:BZI's free cash flow was decreased by zł and operating cash flow was zł0.47. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	0.07	0.06	11.36	7.31
Quick Ratio	0.00	0.07	0.06	39.03	17.55
Cash Ratio	0.00	0.05	0.07	10.52	6.69
Solvency Ratio	0.02	0.02	0.02	0.01	<0.01
Operating Cash Flow Ratio	0.00	0.01	0.12	6.82	6.04
Short-Term Operating Cash Flow Coverage	2.39	0.00	66.56	0.00	0.00
Net Current Asset Value	zł -282.09B	zł -254.34B	zł -233.91B	zł -214.51B	zł -205.59B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.06	0.06	0.06	0.08
Debt-to-Equity Ratio	0.59	0.55	0.53	0.56	0.81
Debt-to-Capital Ratio	0.37	0.36	0.34	0.36	0.45
Long-Term Debt-to-Capital Ratio	0.27	0.36	0.29	0.00	0.45
Financial Leverage Ratio	9.53	9.36	8.71	9.15	9.59
Debt Service Coverage Ratio	0.59	1.12	0.97	1.19	4.93
Interest Coverage Ratio	2.05	1.38	1.98	2.44	5.37
Debt to Market Cap	0.33	0.38	0.26	0.00	0.58
Interest Debt Per Share	230.03	226.68	215.51	182.92	204.72
Net Debt to EBITDA	2.26	0.65	0.69	0.49	3.71
Profitability Margins
Gross Profit Margin	58.24%	76.47%	148.16%	100.00%	100.00%
EBIT Margin	36.96%	32.54%	45.68%	34.71%	21.91%
EBITDA Margin	38.97%	35.29%	49.54%	38.96%	28.31%
Operating Profit Margin	36.96%	32.54%	70.90%	57.15%	21.18%
Pretax Profit Margin	36.30%	32.54%	46.34%	35.39%	22.73%
Net Profit Margin	25.10%	23.34%	32.68%	22.76%	12.28%
Continuous Operations Profit Margin	26.88%	23.49%	33.47%	23.78%	13.02%
Net Income Per EBT	69.15%	71.74%	70.53%	64.30%	54.02%
EBT Per EBIT	98.20%	100.00%	65.36%	61.92%	107.34%
Return on Assets (ROA)	1.75%	1.71%	1.75%	1.08%	0.45%
Return on Equity (ROE)	16.88%	16.03%	15.21%	9.88%	4.35%
Return on Capital Employed (ROCE)	2.58%	10.31%	8.67%	2.73%	0.79%
Return on Invested Capital (ROIC)	86.49%	7.44%	7.94%	6.03%	1.28%
Return on Tangible Assets	1.76%	1.73%	1.76%	1.09%	0.46%
Earnings Yield	9.72%	11.15%	9.65%	10.56%	3.12%
Efficiency Ratios
Receivables Turnover	0.00	8.87	0.00	0.00	0.00
Payables Turnover	0.00	172.86	-114.68	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	18.04	17.39	11.74	10.37	7.24
Asset Turnover	0.07	0.07	0.05	0.05	0.04
Working Capital Turnover Ratio	-0.21	-0.11	-0.22	1.04	0.98
Cash Conversion Cycle	0.00	39.02	3.18	0.00	0.00
Days of Sales Outstanding	0.00	41.13	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	2.11	-3.18	0.00	0.00
Operating Cycle	0.00	41.13	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	163.48	31.36	178.18	85.39	97.75
Free Cash Flow Per Share	158.08	25.17	167.89	81.00	93.60
CapEx Per Share	5.40	6.19	6.21	4.39	4.15
Free Cash Flow to Operating Cash Flow	0.97	0.80	0.94	0.95	0.96
Dividend Paid and CapEx Coverage Ratio	3.12	0.61	5.97	10.92	13.86
Capital Expenditure Coverage Ratio	30.27	5.06	28.68	19.43	23.54
Operating Cash Flow Coverage Ratio	0.86	0.18	1.09	0.55	0.49
Operating Cash Flow to Sales Ratio	0.76	0.14	1.23	0.71	1.10
Free Cash Flow Yield	28.27%	5.50%	34.28%	31.22%	26.86%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.29	8.97	10.36	9.47	32.04
Price-to-Sales (P/S) Ratio	2.58	2.09	3.39	2.16	3.93
Price-to-Book (P/B) Ratio	1.72	1.44	1.58	0.94	1.39
Price-to-Free Cash Flow (P/FCF) Ratio	3.54	18.18	2.92	3.20	3.72
Price-to-Operating Cash Flow Ratio	3.42	14.59	2.75	3.04	3.57
Price-to-Earnings Growth (PEG) Ratio	-11.29	1.14	0.14	0.06	4.52
Price-to-Fair Value	1.72	1.44	1.58	0.94	1.39
Enterprise Value Multiple	8.89	6.59	7.53	6.02	17.61
Enterprise Value	76.66B	51.92B	55.13B	28.85B	45.12B
EV to EBITDA	8.89	6.59	7.53	6.02	17.61
EV to Sales	3.46	2.33	3.73	2.35	4.98
EV to Free Cash Flow	4.75	20.19	3.21	3.49	4.72
EV to Operating Cash Flow	4.59	16.20	3.03	3.31	4.52
Tangible Book Value Per Share	321.17	310.69	304.31	270.70	242.77
Shareholders’ Equity Per Share	325.87	318.31	310.82	277.11	249.85
Tax and Other Ratios
Effective Tax Rate	0.26	0.28	0.28	0.31	0.39
Revenue Per Share	216.52	218.52	144.65	120.37	88.59
Net Income Per Share	54.35	51.01	47.28	27.39	10.88
Tax Burden	0.69	0.72	0.71	0.64	0.54
Interest Burden	0.98	1.00	1.01	1.02	1.04
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.04	0.06	0.28	0.12	0.11
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	2.27	0.44	3.77	2.00	4.85

Currency in PLN