Santander Bank Polska S.A. (SPL) — 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. See SPL FCF to total liabilities ratio to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Santander Bank Polska S.A. Cash Flow-to-Debt Ratio (2002–2025)
Historical debt coverage capacity for Santander Bank Polska S.A. across 24 annual periods. For the full cash flow conversion analysis, see Santander Bank Polska S.A. cash conversion from operations.
Annual Cash Flow-to-Debt Ratio for Santander Bank Polska S.A. (2002–2025)
Year-by-year debt coverage analysis for Santander Bank Polska S.A.. Check SPL cash to earnings ratio to evaluate the quality of earnings relative to operating cash generation.
| 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 | — |