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STOCKS

Santander Bank Polska SA (PL:SPL)

:SPL

SPL

Santander Bank Polska SA

RESEARCH TOOLSreports

Santander Bank Polska SA (SPL) Ratios

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Santander Bank Polska SA Ratios

PL:SPL's free cash flow for Q4 2025 was zł1.01. For the 2025 fiscal year, PL:SPL's free cash flow was decreased by zł and operating cash flow was zł0.45. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	3.13	3.13	0.07	0.06	0.07
Quick Ratio	3.13	3.13	0.07	0.06	0.07
Cash Ratio	0.00	0.00	0.05	0.06	0.07
Solvency Ratio	0.02	0.03	0.02	0.02	0.01
Operating Cash Flow Ratio	0.59	0.30	0.01	0.04	0.04
Short-Term Operating Cash Flow Coverage	3.64	1.85	0.00	0.00	0.00
Net Current Asset Value	zł -222.44B	zł -222.44B	zł -254.34B	zł -229.73B	zł -214.28B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.06	0.05	0.06
Debt-to-Equity Ratio	0.63	0.63	0.55	0.47	0.59
Debt-to-Capital Ratio	0.39	0.39	0.36	0.32	0.37
Long-Term Debt-to-Capital Ratio	0.35	0.35	0.36	0.32	0.37
Financial Leverage Ratio	8.70	8.70	9.36	8.71	9.66
Debt Service Coverage Ratio	0.97	1.00	1.12	1.04	1.22
Interest Coverage Ratio	1.78	1.85	1.38	1.29	1.51
Debt to Market Cap	0.38	0.39	0.38	0.30	0.60
Interest Debt Per Share	264.43	262.13	226.68	196.49	182.92
Net Debt to EBITDA	2.54	2.55	0.65	0.42	0.48
Profitability Margins
Gross Profit Margin	80.82%	89.59%	76.47%	75.08%	80.99%
EBIT Margin	42.61%	45.55%	32.54%	32.24%	28.66%
EBITDA Margin	44.06%	48.90%	35.29%	34.92%	32.11%
Operating Profit Margin	42.02%	46.19%	32.54%	32.24%	28.66%
Pretax Profit Margin	41.74%	45.55%	32.54%	32.24%	28.66%
Net Profit Margin	32.50%	36.23%	23.34%	22.74%	18.43%
Continuous Operations Profit Margin	32.94%	35.89%	23.49%	23.29%	19.81%
Net Income Per EBT	77.86%	79.54%	71.74%	70.53%	64.30%
EBT Per EBIT	99.33%	98.61%	100.00%	100.00%	100.00%
Return on Assets (ROA)	2.10%	2.10%	1.71%	1.75%	1.09%
Return on Equity (ROE)	19.26%	18.29%	16.03%	15.21%	10.50%
Return on Capital Employed (ROCE)	2.87%	2.83%	10.31%	10.46%	7.25%
Return on Invested Capital (ROIC)	17.99%	17.70%	7.44%	7.56%	5.01%
Return on Tangible Assets	2.12%	2.12%	1.73%	1.76%	1.10%
Earnings Yield	11.25%	11.62%	11.15%	9.65%	10.56%
Efficiency Ratios
Receivables Turnover	0.00	0.00	8.87	16.21	14.10
Payables Turnover	0.00	0.00	172.86	85.28	66.48
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	15.25	13.68	17.39	16.87	12.81
Asset Turnover	0.06	0.06	0.07	0.08	0.06
Working Capital Turnover Ratio	1.17	-0.19	-0.11	-0.11	-0.09
Cash Conversion Cycle	0.00	0.00	39.02	18.24	20.40
Days of Sales Outstanding	0.00	0.00	41.13	22.52	25.89
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	2.11	4.28	5.49
Operating Cycle	0.00	0.00	41.13	22.52	25.89
Cash Flow Ratios
Operating Cash Flow Per Share	91.80	46.71	31.36	90.52	85.39
Free Cash Flow Per Share	85.53	40.44	25.17	84.31	81.00
CapEx Per Share	6.27	6.27	6.19	6.21	4.39
Free Cash Flow to Operating Cash Flow	0.93	0.87	0.80	0.93	0.95
Dividend Paid and CapEx Coverage Ratio	1.73	0.88	0.61	3.03	10.92
Capital Expenditure Coverage Ratio	14.65	7.45	5.06	14.57	19.43
Operating Cash Flow Coverage Ratio	0.42	0.21	0.18	0.63	0.55
Operating Cash Flow to Sales Ratio	0.47	0.27	0.14	0.44	0.57
Free Cash Flow Yield	15.18%	7.42%	5.50%	17.21%	31.22%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.89	8.60	8.97	10.36	9.47
Price-to-Sales (P/S) Ratio	2.89	3.12	2.09	2.36	1.75
Price-to-Book (P/B) Ratio	1.63	1.57	1.44	1.58	0.99
Price-to-Free Cash Flow (P/FCF) Ratio	6.59	13.49	18.18	5.81	3.20
Price-to-Operating Cash Flow Ratio	6.14	11.68	14.59	5.41	3.04
Price-to-Earnings Growth (PEG) Ratio	0.53	0.35	1.14	0.14	0.06
Price-to-Fair Value	1.63	1.57	1.44	1.58	0.99
Enterprise Value Multiple	9.10	8.93	6.59	7.17	5.92
Enterprise Value	79.90B	78.06B	51.92B	53.18B	28.85B
EV to EBITDA	9.10	8.93	6.59	7.17	5.92
EV to Sales	4.01	4.36	2.33	2.50	1.90
EV to Free Cash Flow	9.14	18.89	20.19	6.17	3.49
EV to Operating Cash Flow	8.52	16.35	16.20	5.75	3.31
Tangible Book Value Per Share	321.26	321.26	310.69	304.31	254.55
Shareholders’ Equity Per Share	346.67	346.67	318.31	310.82	260.97
Tax and Other Ratios
Effective Tax Rate	0.21	0.21	0.28	0.28	0.31
Revenue Per Share	195.09	175.00	218.52	207.91	148.61
Net Income Per Share	63.40	63.40	51.01	47.28	27.39
Tax Burden	0.78	0.80	0.72	0.71	0.64
Interest Burden	0.98	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.08	0.13	0.06	0.06	0.10
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	1.28	0.76	0.44	1.35	2.00

Currency in PLN