Banco Santander S.A. Financial Flexibility Index

Latest as of June 2026: 0.00x

Banco Santander S.A. financial flexibility index. Banco Santander S.A. (SAN) has a Financial Flexibility Index of 0.00x as of June 2026. Free cash flow of €1.27 Billion (operating CF €-562.00 Million minus capex €1.83 Billion) represents 0% of total liabilities (€1.84 Trillion). See Banco Santander S.A. (SAN) free cash flow to measure how efficiently the company converts operating cash flow to free cash.

Financial Flexibility Index

0.00x
Free Cash Flow / Total Liabilities

Free Cash Flow

€1.27 Billion
Operating CF − Capex

Total Liabilities

€1.84 Trillion
EUR

Capital Expenditures

€1.83 Billion
EUR

Financial Flexibility Index of Banco Santander S.A. (1991–2025)

Financial flexibility index of Banco Santander S.A. from 1991 to 2025. Historical Financial Flexibility Index trend for Banco Santander S.A. across 28 annual periods. Check SAN cash flow quality score to evaluate the quality of earnings relative to operating cash generation.

Banco Santander S.A. Financial Flexibility Index by Year (1991–2025)

Banco Santander S.A. financial flexibility index by year from 1991 to 2025. Year-by-year free cash flow to debt coverage for Banco Santander S.A.. For the full cash flow conversion analysis, see cash efficiency ratio of Banco Santander S.A..

Year Flexibility Index Free Cash Flow (EUR) Operating CF Total Liabilities YoY Change
2025 0.05x €89.39 Billion €83.53 Billion €1.75 Trillion ▲ +662.6%
2024 -0.01x €-15.66 Billion €-24.16 Billion €1.73 Trillion ▼ -116.3%
2023 0.06x €94.20 Billion €80.56 Billion €1.69 Trillion ▲ +136.3%
2022 0.02x €38.55 Billion €27.71 Billion €1.64 Trillion ▼ -48.2%
2021 0.05x €68.09 Billion €56.69 Billion €1.50 Trillion ▼ -13.8%
2020 0.05x €74.67 Billion €66.15 Billion €1.42 Trillion ▲ +324.5%
2019 0.01x €17.53 Billion €3.39 Billion €1.41 Trillion ▲ +7.5%
2018 0.01x €15.61 Billion €3.42 Billion €1.35 Trillion ▼ -68.6%
2017 0.04x €49.18 Billion €40.19 Billion €1.34 Trillion ▲ +50.7%
2016 0.02x €30.16 Billion €21.82 Billion €1.24 Trillion ▲ +37.1%
2015 0.02x €22.09 Billion €12.86 Billion €1.24 Trillion ▲ +426.9%
2014 0.00x €3.97 Billion €-3.94 Billion €1.18 Trillion ▲ +111.0%
2013 -0.03x €-31.71 Billion €-34.85 Billion €1.04 Trillion ▼ -228.9%
2012 0.02x €28.21 Billion €24.32 Billion €1.19 Trillion ▼ -29.6%
2011 0.03x €39.39 Billion €35.99 Billion €1.17 Trillion ▼ -32.8%
2010 0.05x €57.01 Billion €51.87 Billion €1.14 Trillion ▲ +502.1%
2009 -0.01x €-12.93 Billion €-18.04 Billion €1.04 Trillion ▼ -163.9%
2008 0.02x €19.32 Billion €15.83 Billion €989.63 Billion ▼ -54.0%
2007 0.04x €36.31 Billion €31.65 Billion €855.36 Billion ▲ +170.6%
2006 -0.06x €-47.28 Billion €-52.14 Billion €786.80 Billion ▼ -45.2%
2005 -0.04x €-31.83 Billion €-34.27 Billion €768.97 Billion ▼ -149.0%
2004 -0.02x €-10.44 Billion €-13.52 Billion €627.99 Billion ▼ -106.4%
1996 0.26x €2.50 Billion €1.56 Billion €9.54 Billion ▲ +4.4%
1995 0.25x €1.81 Billion €1.07 Billion €7.21 Billion ▼ -55.5%
1994 0.56x €3.75 Billion €856.23 Million €6.66 Billion ▲ +1647.2%
1993 0.03x €2.00 Billion €1.57 Billion €61.91 Billion ▲ +14.1%
1992 0.03x €1.35 Billion €884.32 Million €47.94 Billion ▲ +9.4%
1991 0.03x €1.10 Billion €1.10 Billion €42.55 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities