Trending News

More News >

Education

Personal Finance How To Use TipRanks TipRanks Labs Glossary FAQs

About Us

About TipRanks Contact Us Reviews Mobile APP

Working with TipRanks

Enterprise Solutions Advertise with Us Top Online Brokers Become an Affiliate TipRanks News Wire

TOOLS

Technical Analysis Screener

Top Analyst Stocks

Popular

Top Smart Score Stocks

Popular

AI Analyst Top Stocks

Daily Analyst Ratings

Daily Insiders Trades

Dividend Stocks

ETF Center

Top Gainers/losers/active ETFs

Trump Dashboard

New

Dividend Calculator

Options Profit Calculator

Dollar Cost Averaging

Compound Interest Calculator

Mortgage Calculator

Auto Loan Calculator

Student Loan Calculator

401k Retirement Calculator

Best High Yield Dividend Stocks

Dividend Aristocrats

Dividend Stock Comparison

New

Dividend Calculator

Dividend Returns Comparison

Dividend Calendar

Top Analysts

Top Financial Bloggers

Top-Performing Corporate Insiders

Top Hedge Fund Managers

Top Research Firms

Top Individual Investors

Personal Finance Center

Mortgages

Loans

Investing & Retirement

Education

About Us

Working with TipRanks

STOCKS

Santander Bank Polska SA (PL:SPL)

:SPL

SPL

Santander Bank Polska SA

RESEARCH TOOLSreports

Santander Bank Polska SA (SPL) Ratios

Compare

0 Followers

Santander Bank Polska SA Ratios

PL:SPL's free cash flow for Q3 2025 was zł―. For the 2025 fiscal year, PL:SPL's free cash flow was decreased by zł and operating cash flow was zł―. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 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	1.78	66.56	0.00	0.00	0.00
Net Current Asset Value	zł -267.66B	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	0.58	0.53	0.56	0.81	0.74
Debt-to-Capital Ratio	0.37	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	0.60	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	0.37	0.26	0.00	0.58	1.06
Interest Debt Per Share	228.60	215.51	182.92	204.72	206.41
Net Debt to EBITDA	0.50	0.69	0.49	3.71	4.92
Profitability Margins
Gross Profit Margin	76.47%	148.16%	100.00%	100.00%	100.00%
EBIT Margin	36.70%	45.68%	34.71%	21.91%	20.92%
EBITDA Margin	39.35%	49.54%	38.96%	28.31%	27.84%
Operating Profit Margin	36.70%	70.90%	57.15%	21.18%	19.59%
Pretax Profit Margin	36.70%	46.34%	35.39%	22.73%	21.92%
Net Profit Margin	24.79%	32.68%	22.76%	12.28%	12.09%
Continuous Operations Profit Margin	27.05%	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	100.00%	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)	9.07%	8.67%	2.73%	0.79%	0.74%
Return on Invested Capital (ROIC)	6.28%	7.94%	6.03%	1.28%	1.33%
Return on Tangible Assets	1.80%	1.76%	1.09%	0.46%	0.46%
Earnings Yield	10.45%	9.65%	10.56%	3.12%	5.47%
Efficiency Ratios
Receivables Turnover	306.43	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	20.43	11.74	10.37	7.24	5.67
Asset Turnover	0.07	0.05	0.05	0.04	0.04
Working Capital Turnover Ratio	-0.11	-0.22	1.04	0.98	0.96
Cash Conversion Cycle	-3.18	3.18	0.00	0.00	0.00
Days of Sales Outstanding	1.19	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	1.19	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	0.57	1.09	0.55	0.49	1.04
Operating Cash Flow to Sales Ratio	0.46	1.23	0.71	1.10	2.43
Free Cash Flow Yield	18.16%	34.28%	31.22%	26.86%	108.02%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.57	10.36	9.47	32.04	18.28
Price-to-Sales (P/S) Ratio	2.37	3.39	2.16	3.93	2.21
Price-to-Book (P/B) Ratio	1.72	1.58	0.94	1.39	0.70
Price-to-Free Cash Flow (P/FCF) Ratio	5.51	2.92	3.20	3.72	0.93
Price-to-Operating Cash Flow Ratio	5.20	2.75	3.04	3.57	0.91
Price-to-Earnings Growth (PEG) Ratio	2.31	0.14	0.06	4.52	-0.35
Price-to-Fair Value	1.72	1.58	0.94	1.39	0.70
Enterprise Value Multiple	6.53	7.53	6.02	17.61	12.86
Enterprise Value	58.07B	55.13B	28.85B	45.12B	30.70B
EV to EBITDA	6.53	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	5.96	3.21	3.49	4.72	1.50
EV to Operating Cash Flow	5.63	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	221.23	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	1.00	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	0.04	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