Santander Bank Polska S.A. Cash Flow-to-Debt Ratio
Santander Bank Polska S.A. cash flow-to-debt ratio. Santander Bank Polska S.A. (SPL) has a Cash Flow-to-Debt Ratio of 0.02x as of December 2025, meaning its operating cash flow of zł4.58 Billion could theoretically repay 0% of its total liabilities (zł272.64 Billion) in one year. Check Santander Bank Polska S.A. earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of Santander Bank Polska S.A. (2002–2025)
Cash flow-to-debt ratio of Santander Bank Polska S.A. from 2002 to 2025. Historical debt coverage capacity for Santander Bank Polska S.A. across 24 annual periods. Check cash flow reinvestment rate of Santander Bank Polska S.A. to assess the company's total reinvestment commitment from operating cash flow.
Santander Bank Polska S.A. Cash Flow-to-Debt Ratio by Year (2002–2025)
Santander Bank Polska S.A. cash flow-to-debt ratio by year from 2002 to 2025. Year-by-year debt coverage analysis for Santander Bank Polska S.A.. For the full cash flow conversion analysis, see Santander Bank Polska S.A. cash conversion from operations.
| Year | CF-to-Debt Ratio | Operating CF (PLN) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.04x | zł10.65 Billion | zł272.64 Billion | ▲ +229.2% |
| 2024 | 0.01x | zł3.20 Billion | zł269.93 Billion | ▲ +132.5% |
| 2023 | -0.04x | zł-8.87 Billion | zł242.96 Billion | ▼ -195.8% |
| 2022 | 0.04x | zł8.73 Billion | zł229.05 Billion | ▼ -17.0% |
| 2021 | 0.05x | zł9.99 Billion | zł217.66 Billion | ▼ -55.9% |
| 2020 | 0.10x | zł20.87 Billion | zł200.65 Billion | ▲ +421.1% |
| 2019 | 0.02x | zł3.64 Billion | zł182.50 Billion | ▼ -68.0% |
| 2018 | 0.06x | zł11.16 Billion | zł179.18 Billion | ▲ +265.5% |
| 2017 | -0.04x | zł-4.87 Billion | zł129.33 Billion | ▼ -366.7% |
| 2016 | 0.01x | zł1.82 Billion | zł129.08 Billion | ▲ +202.7% |
| 2015 | -0.01x | zł-1.64 Billion | zł119.14 Billion | ▼ -135.4% |
| 2014 | 0.04x | zł4.52 Billion | zł116.45 Billion | ▲ +1232.5% |
| 2013 | 0.00x | zł266.64 Million | zł91.61 Billion | ▲ +109.3% |
| 2012 | -0.03x | zł-1.60 Billion | zł51.04 Billion | ▼ -193.6% |
| 2011 | 0.03x | zł1.76 Billion | zł52.39 Billion | ▲ +14.4% |
| 2010 | 0.03x | zł1.36 Billion | zł46.38 Billion | ▲ +570.4% |
| 2009 | 0.00x | zł210.19 Million | zł48.00 Billion | ▼ -94.1% |
| 2008 | 0.07x | zł3.93 Billion | zł52.65 Billion | ▼ -99.0% |
| 2007 | 7.69x | zł2.71 Billion | zł352.96 Million | ▲ +151.2% |
| 2006 | 3.06x | zł1.98 Billion | zł646.34 Million | ▲ +14576.3% |
| 2005 | 0.02x | zł545.91 Million | zł26.17 Billion | ▲ +169.1% |
| 2004 | -0.03x | zł-741.00 Million | zł24.54 Billion | ▼ -649.3% |
| 2003 | 0.01x | zł128.87 Million | zł23.44 Billion | ▼ -51.2% |
| 2002 | 0.01x | zł272.69 Million | zł24.18 Billion | — |