Santander Bank Polska S.A. (SPL) — Cash Flow Quality Index
Santander Bank Polska S.A. (SPL) has a Cash Flow Quality Index of 2.49x as of December 2025. Operating cash flow of zł4.58 Billion exceeds net income of zł1.84 Billion, indicating high earnings quality where cash backs reported profits. Explore Santander Bank Polska S.A. (SPL) investment intensity to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Santander Bank Polska S.A. Cash Flow Quality Index (2002–2025)
Historical Cash Flow Quality Index for Santander Bank Polska S.A. across 24 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check SPL tangible net assets ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Santander Bank Polska S.A. (2002–2025)
Year-by-year earnings quality comparison for Santander Bank Polska S.A.. For live market cap and the full company financial profile, see Santander Bank Polska S.A. (SPL) market capitalisation.
| Year | Quality Index | Operating CF (PLN) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.64x | zł10.65 Billion | zł6.48 Billion | ▲ +272.9% |
| 2024 | 0.44x | zł3.20 Billion | zł7.27 Billion | ▲ +124.0% |
| 2023 | -1.84x | zł-8.87 Billion | zł4.83 Billion | ▼ -191.6% |
| 2022 | 2.00x | zł8.73 Billion | zł4.35 Billion | ▼ -58.7% |
| 2021 | 4.85x | zł9.99 Billion | zł2.06 Billion | ▼ -56.3% |
| 2020 | 11.10x | zł20.87 Billion | zł1.88 Billion | ▲ +888.4% |
| 2019 | 1.12x | zł3.64 Billion | zł3.24 Billion | ▼ -65.5% |
| 2018 | 3.26x | zł11.16 Billion | zł3.43 Billion | ▲ +323.2% |
| 2017 | -1.46x | zł-4.87 Billion | zł3.34 Billion | ▼ -350.2% |
| 2016 | 0.58x | zł1.82 Billion | zł3.12 Billion | ▲ +213.3% |
| 2015 | -0.51x | zł-1.64 Billion | zł3.18 Billion | ▼ -130.1% |
| 2014 | 1.71x | zł4.52 Billion | zł2.64 Billion | ▲ +1513.5% |
| 2013 | 0.11x | zł266.64 Million | zł2.51 Billion | ▲ +112.1% |
| 2012 | -0.87x | zł-1.60 Billion | zł1.84 Billion | ▼ -176.5% |
| 2011 | 1.14x | zł1.76 Billion | zł1.54 Billion | ▲ +13.7% |
| 2010 | 1.00x | zł1.36 Billion | zł1.36 Billion | ▲ +455.0% |
| 2009 | 0.18x | zł210.19 Million | zł1.16 Billion | ▼ -95.6% |
| 2008 | 4.12x | zł3.93 Billion | zł954.29 Million | ▲ +111.1% |
| 2007 | 1.95x | zł2.71 Billion | zł1.39 Billion | ▲ +5.1% |
| 2006 | 1.86x | zł1.98 Billion | zł1.07 Billion | ▲ +85.7% |
| 2005 | 1.00x | zł545.91 Million | zł545.91 Million | ▲ +160.0% |
| 2004 | -1.67x | zł-741.00 Million | zł444.45 Million | ▼ -266.7% |
| 2003 | 1.00x | zł128.87 Million | zł128.87 Million | ▲ +0.0% |
| 2002 | 1.00x | zł272.69 Million | zł272.69 Million | — |