Santander Bank Polska S.A. (SPL) — Financial Flexibility Index
Santander Bank Polska S.A. (SPL) has a Financial Flexibility Index of 0.02x as of December 2025. Free cash flow of zł4.92 Billion (operating CF zł4.58 Billion minus capex zł345.51 Million) represents 0% of total liabilities (zł272.64 Billion). Check SPL capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Santander Bank Polska S.A. Financial Flexibility Index (2002–2025)
Historical Financial Flexibility Index trend for Santander Bank Polska S.A. across 24 annual periods. For the full cash flow conversion analysis, see how efficiently does Santander Bank Polska S.A. generate cash.
Annual Financial Flexibility Index for Santander Bank Polska S.A. (2002–2025)
Year-by-year free cash flow to debt coverage for Santander Bank Polska S.A.. Explore how well can Santander Bank Polska S.A. service its debt to assess how comfortably operating cash covers total debt obligations.
| Year | Flexibility Index | Free Cash Flow (PLN) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.04x | zł11.29 Billion | zł10.65 Billion | zł272.64 Billion | ▲ +191.4% |
| 2024 | 0.01x | zł3.84 Billion | zł3.20 Billion | zł269.93 Billion | ▲ +141.9% |
| 2023 | -0.03x | zł-8.23 Billion | zł-8.87 Billion | zł242.96 Billion | ▼ -184.6% |
| 2022 | 0.04x | zł9.17 Billion | zł8.73 Billion | zł229.05 Billion | ▼ -16.3% |
| 2021 | 0.05x | zł10.41 Billion | zł9.99 Billion | zł217.66 Billion | ▼ -54.9% |
| 2020 | 0.11x | zł21.26 Billion | zł20.87 Billion | zł200.65 Billion | ▲ +372.4% |
| 2019 | 0.02x | zł4.09 Billion | zł3.64 Billion | zł182.50 Billion | ▼ -65.8% |
| 2018 | 0.07x | zł11.74 Billion | zł11.16 Billion | zł179.18 Billion | ▲ +290.3% |
| 2017 | -0.03x | zł-4.45 Billion | zł-4.87 Billion | zł129.33 Billion | ▼ -304.3% |
| 2016 | 0.02x | zł2.18 Billion | zł1.82 Billion | zł129.08 Billion | ▲ +256.1% |
| 2015 | -0.01x | zł-1.29 Billion | zł-1.64 Billion | zł119.14 Billion | ▼ -126.1% |
| 2014 | 0.04x | zł4.82 Billion | zł4.52 Billion | zł116.45 Billion | ▲ +761.7% |
| 2013 | 0.00x | zł440.45 Million | zł266.64 Million | zł91.61 Billion | ▲ +116.1% |
| 2012 | -0.03x | zł-1.52 Billion | zł-1.60 Billion | zł51.04 Billion | ▼ -183.1% |
| 2011 | 0.04x | zł1.88 Billion | zł1.76 Billion | zł52.39 Billion | ▲ +16.2% |
| 2010 | 0.03x | zł1.43 Billion | zł1.36 Billion | zł46.38 Billion | ▲ +392.0% |
| 2009 | 0.01x | zł301.04 Million | zł210.19 Million | zł48.00 Billion | ▼ -92.1% |
| 2008 | 0.08x | zł4.19 Billion | zł3.93 Billion | zł52.65 Billion | ▼ -99.0% |
| 2007 | 8.10x | zł2.86 Billion | zł2.71 Billion | zł352.96 Million | ▲ +153.1% |
| 2006 | 3.20x | zł2.07 Billion | zł1.98 Billion | zł646.34 Million | ▲ +15236.7% |
| 2005 | 0.02x | zł545.91 Million | zł545.91 Million | zł26.17 Billion | ▲ +169.1% |
| 2004 | -0.03x | zł-741.00 Million | zł-741.00 Million | zł24.54 Billion | ▼ -649.3% |
| 2003 | 0.01x | zł128.87 Million | zł128.87 Million | zł23.44 Billion | ▼ -51.2% |
| 2002 | 0.01x | zł272.69 Million | zł272.69 Million | zł24.18 Billion | — |