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) debt coverage ratio to assess how comfortably operating cash covers total debt obligations.
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. For the full cash flow conversion analysis, see Santander Bank Polska S.A. cash flow conversion.
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..
| 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 | — |