Santander Bank Polska S.A. (WSE:SPL)

Santander Bank Polska Statistics

Total Valuation

WSE:SPL has a market cap or net worth of PLN 51.56 billion.

Market Cap	51.56B
Enterprise Value	n/a

Important Dates

The last earnings date was Wednesday, October 29, 2025.

Earnings Date	Oct 29, 2025
Ex-Dividend Date	May 12, 2025

Share Statistics

WSE:SPL has 102.19 million shares outstanding. The number of shares has decreased by -1.09% in one year.

Current Share Class	102.19M
Shares Outstanding	102.19M
Shares Change (YoY)	-1.09%
Shares Change (QoQ)	-2.98%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	28.67%
Float	33.31M

Valuation Ratios

The trailing PE ratio is 9.15 and the forward PE ratio is 8.70.

PE Ratio	9.15
Forward PE	8.70
PS Ratio	3.05
PB Ratio	1.46
P/TBV Ratio	1.68
P/FCF Ratio	5.44
P/OCF Ratio	5.14
PEG Ratio	n/a

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

Current Ratio	n/a
Quick Ratio	n/a
Debt / Equity	n/a
Debt / EBITDA	n/a
Debt / FCF	2.90
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 16.77%.

Return on Equity (ROE)	16.77%
Return on Assets (ROA)	1.91%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	1.50M
Profits Per Employee	492,709
Employee Count	11,396
Asset Turnover	n/a
Inventory Turnover	n/a

Taxes

In the past 12 months, WSE:SPL has paid 2.11 billion in taxes.

Income Tax	2.11B
Effective Tax Rate	26.65%

Stock Price Statistics

The stock price has increased by +7.77% in the last 52 weeks. The beta is 0.39, so WSE:SPL's price volatility has been lower than the market average.

Beta (5Y)	0.39
52-Week Price Change	+7.77%
50-Day Moving Average	491.91
200-Day Moving Average	518.10
Relative Strength Index (RSI)	54.84
Average Volume (20 Days)	55,233

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, WSE:SPL had revenue of PLN 16.92 billion and earned 5.55 billion in profits. Earnings per share was 54.35.

Revenue	16.92B
Gross Profit	16.77B
Operating Income	10.85B
Pretax Income	7.92B
Net Income	5.55B
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	54.35

Balance Sheet

The company has 30.74 billion in cash and 27.43 billion in debt, giving a net cash position of 3.31 billion or 32.36 per share.

Cash & Cash Equivalents	30.74B
Total Debt	27.43B
Net Cash	3.31B
Net Cash Per Share	32.36
Equity (Book Value)	35.36B
Book Value Per Share	325.87
Working Capital	-193.04B

Cash Flow

In the last 12 months, operating cash flow was 10.03 billion and capital expenditures -551.99 million, giving a free cash flow of 9.48 billion.

Operating Cash Flow	10.03B
Capital Expenditures	-551.99M
Free Cash Flow	9.48B
FCF Per Share	92.73

Margins

Gross Margin	n/a
Operating Margin	64.14%
Pretax Margin	46.81%
Profit Margin	32.82%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	55.99%

Dividends & Yields

This stock pays an annual dividend of 46.37, which amounts to a dividend yield of 9.19%.

Dividend Per Share	46.37
Dividend Yield	9.19%
Dividend Growth (YoY)	-31.69%
Years of Dividend Growth	3
Payout Ratio	85.32%
Buyback Yield	1.09%
Shareholder Yield	10.30%
Earnings Yield	10.77%
FCF Yield	18.38%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	4