Santander Bank Polska S.A. (SPL) - Cash Flow Conversion Efficiency

Latest as of December 2025: 0.129x

Based on the latest financial reports, Santander Bank Polska S.A. (SPL) has a cash flow conversion efficiency ratio of 0.129x as of December 2025. Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow (zł4.58 Billion ≈ $1.26 Billion USD) by net assets (zł35.51 Billion ≈ $9.77 Billion USD). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations. See Santander Bank Polska S.A. (SPL) net asset quality to measure how much of total assets are equity-financed.

Santander Bank Polska S.A. - Cash Flow Conversion Efficiency Trend (2002–2025)

This chart illustrates how Santander Bank Polska S.A.'s cash flow conversion efficiency has evolved over time, based on yearly financial data. Check SPL operating cash flow to net income to evaluate the quality of earnings relative to operating cash generation.

Santander Bank Polska S.A. Competitors by Cash Flow Conversion Efficiency

The table below lists competitors of Santander Bank Polska S.A. ranked by their cash flow conversion efficiency.

Company	Cash Flow Conversion Efficiency
KON. KPN NV ADR/1 O.N. F:KPNB	N/A
Torrent Pharmaceuticals Limited NSE:TORNTPHARM	0.059x
Global Payments Inc NYSE:GPN	-0.012x
China Shenhua Energy Company Limited F:IKF	0.031x
Xiamen Tungsten Co Ltd SHG:600549	0.058x
LARGAN Precision Co Ltd TW:3008	0.010x
Krung Thai Bank Public Company Limited BK:KTB	0.286x
WSP Global Inc TO:WSP	0.045x

Annual Cash Flow Conversion Efficiency for Santander Bank Polska S.A. (2002–2025)

The table below shows the annual cash flow conversion efficiency of Santander Bank Polska S.A. from 2002 to 2025. For the full company profile with market capitalisation and key ratios, see Santander Bank Polska S.A. (SPL) market capitalisation.

Year	Net Assets	Operating Cash Flow	Cash Flow Conversion Efficiency	Change
2025-12-31	zł35.51 Billion ≈ $9.77 Billion	zł10.65 Billion ≈ $2.93 Billion	0.300x	+222.52%
2024-12-31	zł34.44 Billion ≈ $9.48 Billion	zł3.20 Billion ≈ $881.89 Million	0.093x	+135.35%
2023-12-31	zł33.69 Billion ≈ $9.27 Billion	zł-8.87 Billion ≈ $-2.44 Billion	-0.263x	-190.84%
2022-12-31	zł30.12 Billion ≈ $8.29 Billion	zł8.73 Billion ≈ $2.40 Billion	0.290x	-21.06%
2021-12-31	zł27.21 Billion ≈ $7.49 Billion	zł9.99 Billion ≈ $2.75 Billion	0.367x	-49.60%
2020-12-31	zł28.66 Billion ≈ $7.89 Billion	zł20.87 Billion ≈ $5.74 Billion	0.728x	+439.41%
2019-12-31	zł26.98 Billion ≈ $7.43 Billion	zł3.64 Billion ≈ $1.00 Billion	0.135x	-67.74%
2018-12-31	zł26.67 Billion ≈ $7.34 Billion	zł11.16 Billion ≈ $3.07 Billion	0.418x	+300.72%
2017-12-31	zł23.34 Billion ≈ $6.42 Billion	zł-4.87 Billion ≈ $-1.34 Billion	-0.208x	-340.64%
2016-12-31	zł21.02 Billion ≈ $5.78 Billion	zł1.82 Billion ≈ $501.20 Million	0.087x	+208.89%
2015-12-31	zł20.57 Billion ≈ $5.66 Billion	zł-1.64 Billion ≈ $-450.42 Million	-0.080x	-131.80%
2014-12-31	zł18.05 Billion ≈ $4.97 Billion	zł4.52 Billion ≈ $1.24 Billion	0.250x	+1259.04%
2013-12-31	zł14.48 Billion ≈ $3.99 Billion	zł266.64 Million ≈ $73.38 Million	0.018x	+110.31%
2012-12-31	zł8.98 Billion ≈ $2.47 Billion	zł-1.60 Billion ≈ $-441.39 Million	-0.179x	-175.98%
2011-12-31	zł7.48 Billion ≈ $2.06 Billion	zł1.76 Billion ≈ $484.23 Million	0.235x	+16.99%
2010-12-31	zł6.77 Billion ≈ $1.86 Billion	zł1.36 Billion ≈ $374.67 Million	0.201x	+479.04%
2009-12-31	zł6.06 Billion ≈ $1.67 Billion	zł210.19 Million ≈ $57.85 Million	0.035x	-95.63%
2008-12-31	zł4.95 Billion ≈ $1.36 Billion	zł3.93 Billion ≈ $1.08 Billion	0.794x	+23.49%
2007-12-31	zł4.22 Billion ≈ $1.16 Billion	zł2.71 Billion ≈ $747.21 Million	0.643x	+11.43%
2006-12-31	zł3.43 Billion ≈ $944.10 Million	zł1.98 Billion ≈ $544.63 Million	0.577x	+257.34%
2005-12-31	zł3.38 Billion ≈ $930.64 Million	zł545.91 Million ≈ $150.24 Million	0.161x	+165.84%
2004-12-31	zł3.02 Billion ≈ $831.68 Million	zł-741.00 Million ≈ $-203.93 Million	-0.245x	-238.82%
2003-12-31	zł729.60 Million ≈ $200.80 Million	zł128.87 Million ≈ $35.47 Million	0.177x	-52.74%
2002-12-31	zł729.60 Million ≈ $200.80 Million	zł272.69 Million ≈ $75.05 Million	0.374x	--

About Santander Bank Polska S.A.

WAR:SPL Poland Banks - Regional

Market Cap

$17.44 Billion

zł63.36 Billion PLN

Market Cap Rank

#1441 Global

#5 in Poland

Share Price

zł620.00

Change (1 day)

-1.56%

52-Week Range

zł467.20 - zł667.40

All Time High

zł667.40