Banco Santander (Brasil) S.A. (SANB11) — Cash Flow Quality Index
Banco Santander (Brasil) S.A. (SANB11) has a Cash Flow Quality Index of -5.03x as of December 2025. Operating cash flow of R$-19.83 Billion is below net income of R$3.94 Billion, suggesting accrual-heavy earnings not yet converted to cash. Explore how well can Banco Santander (Brasil) S.A. service its debt to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Banco Santander (Brasil) S.A. Cash Flow Quality Index (2006–2025)
Historical Cash Flow Quality Index for Banco Santander (Brasil) S.A. across 20 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see how efficiently does Banco Santander (Brasil) S.A. generate cash.
Annual Cash Flow Quality Index for Banco Santander (Brasil) S.A. (2006–2025)
Year-by-year earnings quality comparison for Banco Santander (Brasil) S.A..
| Year | Quality Index | Operating CF (BRL) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 0.39x | R$4.99 Billion | R$12.97 Billion | ▲ +124.4% |
| 2024 | -1.58x | R$-21.13 Billion | R$13.41 Billion | ▼ -140.7% |
| 2023 | 3.87x | R$36.61 Billion | R$9.45 Billion | ▲ +711.5% |
| 2022 | 0.48x | R$6.85 Billion | R$14.34 Billion | ▲ +9.1% |
| 2021 | 0.44x | R$6.81 Billion | R$15.56 Billion | ▼ -86.1% |
| 2020 | 3.15x | R$42.32 Billion | R$13.45 Billion | ▲ +110.4% |
| 2019 | 1.50x | R$24.87 Billion | R$16.63 Billion | ▼ -32.0% |
| 2018 | 2.20x | R$8.28 Billion | R$3.77 Billion | ▼ -60.0% |
| 2017 | 5.50x | R$50.26 Billion | R$9.14 Billion | ▲ +508.4% |
| 2016 | 0.90x | R$6.75 Billion | R$7.46 Billion | ▲ +119.7% |
| 2015 | 0.41x | R$4.03 Billion | R$9.78 Billion | ▲ +150.9% |
| 2014 | -0.81x | R$-4.62 Billion | R$5.71 Billion | ▼ -122.9% |
| 2013 | 3.54x | R$20.68 Billion | R$5.85 Billion | ▲ +470.8% |
| 2012 | 0.62x | R$3.40 Billion | R$5.49 Billion | ▲ +143.2% |
| 2011 | -1.43x | R$-11.11 Billion | R$7.76 Billion | ▼ -2.4% |
| 2010 | -1.40x | R$-10.33 Billion | R$7.38 Billion | ▲ +36.9% |
| 2009 | -2.22x | R$-12.21 Billion | R$5.51 Billion | ▼ -195.0% |
| 2008 | 2.33x | R$5.55 Billion | R$2.38 Billion | ▲ +5204.6% |
| 2007 | 0.04x | R$81.23 Million | R$1.85 Billion | ▲ +107.4% |
| 2006 | -0.60x | R$-481.23 Million | R$803.62 Million | — |