Santander Bank Polska S.A. Cash Flow Quality Index
Santander Bank Polska S.A. 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. See financial agility of Santander Bank Polska S.A. to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of Santander Bank Polska S.A. (2002–2025)
Cash flow quality index of Santander Bank Polska S.A. from 2002 to 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. Explore Santander Bank Polska S.A. debt service capacity to assess how comfortably operating cash covers total debt obligations.
Santander Bank Polska S.A. Cash Flow Quality Index by Year (2002–2025)
Santander Bank Polska S.A. cash flow quality index by year from 2002 to 2025. Year-by-year earnings quality comparison for Santander Bank Polska S.A.. For the full cash flow conversion analysis, see SPL cash flow conversion.
| 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 | — |