Banco Santander S.A. (SAN) — Cash Flow-to-Debt Ratio
Banco Santander S.A. (SAN) has a Cash Flow-to-Debt Ratio of 0.05x as of December 2025, meaning its operating cash flow of €80.93 Billion could theoretically repay 0% of its total liabilities (€1.75 Trillion) in one year. Explore long-term investment intensity of Banco Santander S.A. to see how much of total assets are deployed in long-term investments.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Banco Santander S.A. Cash Flow-to-Debt Ratio (1991–2025)
Historical debt coverage capacity for Banco Santander S.A. across 28 annual periods. Also explore SAN total asset value for the complete picture of this company's asset base.
Annual Cash Flow-to-Debt Ratio for Banco Santander S.A. (1991–2025)
Year-by-year debt coverage analysis for Banco Santander S.A.. For market capitalisation and broader financial context, see market cap of Banco Santander S.A..
| Year | CF-to-Debt Ratio | Operating CF (EUR) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.05x | €83.53 Billion | €1.75 Trillion | ▲ +440.9% |
| 2024 | -0.01x | €-24.16 Billion | €1.73 Trillion | ▼ -129.3% |
| 2023 | 0.05x | €80.56 Billion | €1.69 Trillion | ▲ +181.2% |
| 2022 | 0.02x | €27.71 Billion | €1.64 Trillion | ▼ -55.3% |
| 2021 | 0.04x | €56.69 Billion | €1.50 Trillion | ▼ -19.0% |
| 2020 | 0.05x | €66.15 Billion | €1.42 Trillion | ▲ +1845.3% |
| 2019 | 0.00x | €3.39 Billion | €1.41 Trillion | ▼ -5.0% |
| 2018 | 0.00x | €3.42 Billion | €1.35 Trillion | ▼ -91.6% |
| 2017 | 0.03x | €40.19 Billion | €1.34 Trillion | ▲ +70.2% |
| 2016 | 0.02x | €21.82 Billion | €1.24 Trillion | ▲ +70.4% |
| 2015 | 0.01x | €12.86 Billion | €1.24 Trillion | ▲ +409.3% |
| 2014 | 0.00x | €-3.94 Billion | €1.18 Trillion | ▲ +90.0% |
| 2013 | -0.03x | €-34.85 Billion | €1.04 Trillion | ▼ -264.4% |
| 2012 | 0.02x | €24.32 Billion | €1.19 Trillion | ▼ -33.6% |
| 2011 | 0.03x | €35.99 Billion | €1.17 Trillion | ▼ -32.5% |
| 2010 | 0.05x | €51.87 Billion | €1.14 Trillion | ▲ +362.3% |
| 2009 | -0.02x | €-18.04 Billion | €1.04 Trillion | ▼ -208.8% |
| 2008 | 0.02x | €15.83 Billion | €989.63 Billion | ▼ -56.8% |
| 2007 | 0.04x | €31.65 Billion | €855.36 Billion | ▲ +155.8% |
| 2006 | -0.07x | €-52.14 Billion | €786.80 Billion | ▼ -48.7% |
| 2005 | -0.04x | €-34.27 Billion | €768.97 Billion | ▼ -107.0% |
| 2004 | -0.02x | €-13.52 Billion | €627.99 Billion | ▼ -113.2% |
| 1996 | 0.16x | €1.56 Billion | €9.54 Billion | ▲ +10.3% |
| 1995 | 0.15x | €1.07 Billion | €7.21 Billion | ▲ +15.2% |
| 1994 | 0.13x | €856.23 Million | €6.66 Billion | ▲ +407.1% |
| 1993 | 0.03x | €1.57 Billion | €61.91 Billion | ▲ +37.3% |
| 1992 | 0.02x | €884.32 Million | €47.94 Billion | ▼ -28.6% |
| 1991 | 0.03x | €1.10 Billion | €42.55 Billion | — |