Banco Santander (Brasil) S.A. (SANB11) — Financial Flexibility Index
Banco Santander (Brasil) S.A. (SANB11) has a Financial Flexibility Index of -0.02x as of December 2025. Free cash flow of R$-18.32 Billion (operating CF R$-19.83 Billion minus capex R$1.51 Billion) represents 0% of total liabilities (R$1.14 Trillion). Check cash flow reinvestment rate of Banco Santander (Brasil) S.A. to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Banco Santander (Brasil) S.A. Financial Flexibility Index (2006–2025)
Historical Financial Flexibility Index trend for Banco Santander (Brasil) S.A. across 20 annual periods. For the full cash flow conversion analysis, see Banco Santander (Brasil) S.A. cash flow conversion.
Annual Financial Flexibility Index for Banco Santander (Brasil) S.A. (2006–2025)
Year-by-year free cash flow to debt coverage for Banco Santander (Brasil) S.A.. Explore Banco Santander (Brasil) S.A. cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (BRL) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.01x | R$8.65 Billion | R$4.99 Billion | R$1.14 Trillion | ▲ +145.7% |
| 2024 | -0.02x | R$-18.52 Billion | R$-21.13 Billion | R$1.12 Trillion | ▼ -141.4% |
| 2023 | 0.04x | R$39.97 Billion | R$36.61 Billion | R$1.00 Trillion | ▲ +259.8% |
| 2022 | 0.01x | R$9.71 Billion | R$6.85 Billion | R$874.77 Billion | ▼ -0.1% |
| 2021 | 0.01x | R$9.17 Billion | R$6.81 Billion | R$825.23 Billion | ▼ -79.2% |
| 2020 | 0.05x | R$44.32 Billion | R$42.32 Billion | R$827.49 Billion | ▲ +25.5% |
| 2019 | 0.04x | R$28.32 Billion | R$24.87 Billion | R$663.40 Billion | ▲ +139.1% |
| 2018 | 0.02x | R$11.29 Billion | R$8.28 Billion | R$632.27 Billion | ▼ -80.9% |
| 2017 | 0.09x | R$52.11 Billion | R$50.26 Billion | R$558.65 Billion | ▲ +518.2% |
| 2016 | 0.02x | R$8.29 Billion | R$6.75 Billion | R$549.58 Billion | ▲ +36.6% |
| 2015 | 0.01x | R$5.81 Billion | R$4.03 Billion | R$525.56 Billion | ▲ +322.1% |
| 2014 | 0.00x | R$-2.20 Billion | R$-4.62 Billion | R$441.55 Billion | ▼ -108.0% |
| 2013 | 0.06x | R$23.05 Billion | R$20.68 Billion | R$371.40 Billion | ▲ +224.4% |
| 2012 | 0.02x | R$6.57 Billion | R$3.40 Billion | R$343.47 Billion | ▲ +172.4% |
| 2011 | -0.03x | R$-8.56 Billion | R$-11.11 Billion | R$323.70 Billion | ▼ -0.6% |
| 2010 | -0.03x | R$-7.92 Billion | R$-10.33 Billion | R$301.30 Billion | ▲ +27.4% |
| 2009 | -0.04x | R$-8.93 Billion | R$-12.21 Billion | R$246.71 Billion | ▼ -205.6% |
| 2008 | 0.03x | R$8.38 Billion | R$5.55 Billion | R$244.35 Billion | ▲ +404.3% |
| 2007 | 0.01x | R$726.07 Million | R$81.23 Million | R$106.77 Billion | ▲ +3235.2% |
| 2006 | 0.00x | R$19.18 Million | R$-481.23 Million | R$94.05 Billion | — |