Santander Bank Polska S.A. (SPL) — Cash Flow Reinvestment Rate
Santander Bank Polska S.A. (SPL) has a Cash Flow Reinvestment Rate of 1.44x as of December 2025, reinvesting zł6.57 Billion (capex zł345.51 Million plus investments zł-6.23 Billion) from operating cash flow of zł4.58 Billion. Check SPL cash flow quality index to evaluate the quality of earnings relative to operating cash generation.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
Santander Bank Polska S.A. Cash Flow Reinvestment Rate (2002–2025)
Historical reinvestment intensity for Santander Bank Polska S.A. across 19 annual periods. Explore Santander Bank Polska S.A. (SPL) investment intensity to see how much of total assets are deployed in long-term investments.
Annual Cash Flow Reinvestment Rate for Santander Bank Polska S.A. (2002–2025)
Year-by-year capital reinvestment analysis for Santander Bank Polska S.A.. For live market cap and broader valuation context, see Santander Bank Polska S.A. market cap and net worth.
| Year | Reinvestment Rate | Total Reinvested (PLN) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 1.23x | zł13.11 Billion | zł10.65 Billion | zł640.48 Million | ▼ -40.7% |
| 2024 | 2.07x | zł6.65 Billion | zł3.20 Billion | zł632.69 Million | ▲ +41.2% |
| 2022 | 1.47x | zł12.82 Billion | zł8.73 Billion | zł449.04 Million | ▲ +120.0% |
| 2021 | 0.67x | zł6.67 Billion | zł9.99 Billion | zł424.36 Million | ▼ -41.6% |
| 2020 | 1.14x | zł23.86 Billion | zł20.87 Billion | zł388.99 Million | ▼ -26.2% |
| 2019 | 1.55x | zł5.64 Billion | zł3.64 Billion | zł450.84 Million | ▲ +175.2% |
| 2018 | 0.56x | zł6.28 Billion | zł11.16 Billion | zł581.19 Million | ▲ +189.4% |
| 2016 | 0.19x | zł353.98 Million | zł1.82 Billion | zł353.98 Million | ▲ +185.2% |
| 2014 | 0.07x | zł307.79 Million | zł4.52 Billion | zł307.79 Million | ▼ -89.5% |
| 2013 | 0.65x | zł173.81 Million | zł266.64 Million | zł173.81 Million | ▲ +866.9% |
| 2011 | 0.07x | zł118.61 Million | zł1.76 Billion | zł118.61 Million | ▲ +32.0% |
| 2010 | 0.05x | zł69.53 Million | zł1.36 Billion | zł69.53 Million | ▼ -88.2% |
| 2009 | 0.43x | zł90.85 Million | zł210.19 Million | zł90.85 Million | ▲ +564.3% |
| 2008 | 0.07x | zł255.76 Million | zł3.93 Billion | zł255.76 Million | ▲ +23.0% |
| 2007 | 0.05x | zł143.56 Million | zł2.71 Billion | zł143.56 Million | ▲ +17.5% |
| 2006 | 0.05x | zł89.06 Million | zł1.98 Billion | zł89.06 Million | — |
| 2005 | 0.00x | zł0.00 | zł545.91 Million | zł0.00 | — |
| 2003 | 0.00x | zł0.00 | zł128.87 Million | zł0.00 | — |
| 2002 | 0.00x | zł0.00 | zł272.69 Million | zł0.00 | — |