Santander Bank Polska S.A. (SPL) — Free Cash Flow Generation Index
Santander Bank Polska S.A. (SPL) has a Free Cash Flow Generation Index of 0.92x as of December 2025. Free cash flow of zł4.23 Billion represents 1% of operating cash flow (zł4.58 Billion). Read Santander Bank Polska S.A. balance sheet liabilities for a breakdown of total debt and financial obligations.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Santander Bank Polska S.A. Free Cash Flow Generation Index (2002–2025)
Historical FCF Generation Index trend for Santander Bank Polska S.A. across 19 annual periods. Explore Santander Bank Polska S.A. capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
Annual Free Cash Flow Generation for Santander Bank Polska S.A. (2002–2025)
Year-by-year Free Cash Flow Generation Index for Santander Bank Polska S.A.. For the full company profile including market capitalisation, see Santander Bank Polska S.A. market cap and net worth.
| Year | FCG Index | Free Cash Flow (PLN) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.94x | zł10.01 Billion | zł10.65 Billion | zł640.48 Million | ▲ +17.1% |
| 2024 | 0.80x | zł2.57 Billion | zł3.20 Billion | zł632.69 Million | ▼ -15.4% |
| 2022 | 0.95x | zł8.28 Billion | zł8.73 Billion | zł449.04 Million | ▼ -0.9% |
| 2021 | 0.96x | zł9.56 Billion | zł9.99 Billion | zł424.36 Million | ▼ -2.4% |
| 2020 | 0.98x | zł20.48 Billion | zł20.87 Billion | zł388.99 Million | ▲ +12.0% |
| 2019 | 0.88x | zł3.19 Billion | zł3.64 Billion | zł450.84 Million | ▼ -7.6% |
| 2018 | 0.95x | zł10.58 Billion | zł11.16 Billion | zł581.19 Million | ▲ +17.7% |
| 2016 | 0.81x | zł1.47 Billion | zł1.82 Billion | zł353.98 Million | ▼ -13.5% |
| 2014 | 0.93x | zł4.21 Billion | zł4.52 Billion | zł307.79 Million | ▲ +167.7% |
| 2013 | 0.35x | zł92.83 Million | zł266.64 Million | zł173.81 Million | ▼ -62.7% |
| 2011 | 0.93x | zł1.64 Billion | zł1.76 Billion | zł118.61 Million | ▼ -1.7% |
| 2010 | 0.95x | zł1.29 Billion | zł1.36 Billion | zł69.53 Million | ▲ +67.1% |
| 2009 | 0.57x | zł119.34 Million | zł210.19 Million | zł90.85 Million | ▼ -39.3% |
| 2008 | 0.93x | zł3.68 Billion | zł3.93 Billion | zł255.76 Million | ▼ -1.3% |
| 2007 | 0.95x | zł2.57 Billion | zł2.71 Billion | zł143.56 Million | ▼ -0.8% |
| 2006 | 0.95x | zł1.89 Billion | zł1.98 Billion | zł89.06 Million | ▼ -4.5% |
| 2005 | 1.00x | zł545.91 Million | zł545.91 Million | zł0.00 | ▲ +0.0% |
| 2003 | 1.00x | zł128.87 Million | zł128.87 Million | zł0.00 | ▲ +0.0% |
| 2002 | 1.00x | zł272.69 Million | zł272.69 Million | zł0.00 | — |