Banco Santander (Brasil) S.A. (SANB3) — Cash Flow Quality Index

Latest as of September 2025: 6.29x

Banco Santander (Brasil) S.A. (SANB3) has a Cash Flow Quality Index of 6.29x as of September 2025. Operating cash flow of R$24.83 Billion exceeds net income of R$3.94 Billion, indicating high earnings quality where cash backs reported profits. Explore long-term investment intensity of Banco Santander (Brasil) S.A. to see how much of total assets are deployed in long-term investments.

Cash Flow Quality Index

6.29x
Operating CF / Net Income

Operating Cash Flow

R$24.83 Billion
BRL

Net Income

R$3.94 Billion
BRL

Data as of

Sep 2025
Most recent filing

Banco Santander (Brasil) S.A. Cash Flow Quality Index (2013–2024)

Historical Cash Flow Quality Index for Banco Santander (Brasil) S.A. across 12 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check tangible net worth ratio of Banco Santander (Brasil) S.A. to evaluate the tangible quality of the company's equity base.

Annual Cash Flow Quality Index for Banco Santander (Brasil) S.A. (2013–2024)

Year-by-year earnings quality comparison for Banco Santander (Brasil) S.A.. For live market cap and the full company financial profile, see SANB3 market cap overview.

Year Quality Index Operating CF (BRL) Net Income YoY Change
2024 -1.57x R$-21.13 Billion R$13.48 Billion ▼ -128.5%
2023 5.51x R$49.42 Billion R$8.97 Billion ▲ +911.1%
2022 0.54x R$6.85 Billion R$12.57 Billion ▲ +19.9%
2021 0.45x R$6.81 Billion R$14.99 Billion ▼ -85.6%
2020 3.15x R$42.32 Billion R$13.45 Billion ▲ +110.4%
2019 1.50x R$24.87 Billion R$16.63 Billion ▲ +131.3%
2018 0.65x R$8.28 Billion R$12.80 Billion ▼ -88.2%
2017 5.50x R$50.29 Billion R$9.14 Billion ▲ +508.8%
2016 0.90x R$6.75 Billion R$7.46 Billion ▲ +120.8%
2015 0.41x R$4.03 Billion R$9.83 Billion ▲ +149.9%
2014 -0.82x R$-4.62 Billion R$5.63 Billion ▼ -122.7%
2013 3.61x R$20.68 Billion R$5.72 Billion
Cash Flow Quality Index = Operating Cash Flow / Net Income. Ratios above 1.0x indicate cash-backed earnings.