Santander Bank Polska S.A.

    Santander Bank Polska S.A.

    GGPW:SPL
    - -
    PLN
    - -
    - -
    15.34P/E
    2013 Y
    2014 Y
    2015 Y
    2016 Y
    2017 Y
    2018 Y
    2019 Y
    2020 Y
    2021 Y
    2022 Y
    2023 Y
    2024 Y
    2025 Y
    TTM
    Revenue per Share
    60.54
    67.65
    70.22
    76.36
    77.56
    81.97
    91.15
    84.03
    88.45
    120.37
    156.1
    149.78
    156.27
    118
    Basic EPS, GAAP
    21.24
    19.91
    23.45
    21.84
    22.29
    23.7
    20.95
    10.16
    10.88
    27.39
    47.28
    51.01
    63.4
    38.01
    Free Cash Flow per Basic Share
    0.99
    43.77
    -31.45
    14.78
    -53.2
    118.44
    30.69
    200.59
    93.6
    81
    84.31
    25.17
    97.99
    -1.99
    Dividend per Share
    8.05
    12.69
    0.17
    15.28
    6.52
    5.16
    22.83
    0.85
    2.9
    3.43
    23.62
    45.09
    46.92
    - -
    Book Value per Share
    32.65
    34.01
    39.6
    37.42
    43.04
    51.13
    38.93
    37.79
    46.07
    54.71
    68.15
    81.43
    108.76
    117.8
    Tangible Book Value per Share
    122.5
    156.04
    185.56
    189.89
    212.96
    241.29
    239.94
    256.94
    242.77
    254.55
    304.31
    310.69
    321.26
    324.14
    Basic Weighted Avg Shares
    93
    96
    99
    99
    99
    100
    102
    102
    102
    102
    102
    102
    102
    102
    Sales/Revenue/Turnover
    5,650
    6,505
    6,968
    7,578
    7,699
    8,175
    9,305
    8,580
    9,038
    12,300
    15,952
    15,306
    15,969
    12,057
    Operating Margin (%)
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Depreciation Expense
    219
    308
    257
    277
    319
    333
    628
    594
    579
    524
    569
    614
    599
    414
    Net Income, GAAP
    1,982
    1,915
    2,327
    2,167
    2,213
    2,363
    2,138
    1,037
    1,112
    2,799
    4,831
    5,213
    6,479
    3,884
    Effective Tax Rate (%)
    19.89
    22.45
    20.25
    23.64
    24.49
    21.23
    24.67
    34.22
    39.14
    30.88
    27.77
    26.18
    20.91
    26.91
    Profit Margin (%)
    35.08
    29.43
    33.4
    28.6
    28.74
    28.91
    22.98
    12.09
    12.3
    22.76
    30.29
    34.06
    40.57
    32.22
    Working Capital
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    LT Debt
    4,179
    8,160
    8,503
    12,064
    13,031
    18,638
    20,859
    20,069
    20,564
    15,806
    12,299
    17,910
    17,916
    16,853
    Total Equity
    14,483
    18,052
    20,568
    21,018
    23,344
    26,595
    26,980
    28,658
    27,214
    28,465
    33,691
    34,441
    35,505
    35,793
    Return on Invested Capital (%)
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Return on Capital (%)
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Return on Common Equity (%)
    74.04
    60.62
    64.65
    56.71
    55.42
    50.43
    47.13
    26.48
    25.95
    54.36
    76.96
    68.21
    66.67
    35.3

    Capital Structure

    PLN

    •

    in mil. unless spec.
    Sep'25
    Dec'25
    Mar'26
    ST Debt
    - -
    - -
    - -
    LT Borrowings
    - -
    - -
    - -
    LT Finance Leases
    - -
    - -
    - -
    Preferred Equity and Hybrid Capital
    - -
    - -
    - -
    Shares Outstanding
    - -
    102
    102
    Market Capitalization
    48,317
    55,742
    59,568

    Working Capital

    PLN

    •

    in mil. unless spec.
    Sep'25
    Dec'25
    Mar'26
    Total Current Assets
    - -
    - -
    - -
    Cash, Cash Equivalents & STI
    - -
    22,090
    16,394
    Accounts Receivable, Net
    - -
    - -
    - -
    Inventories
    - -
    - -
    - -
    Total Current Liabilities
    - -
    - -
    - -
    Payables & Accruals
    - -
    - -
    - -
    ST Debt
    - -
    - -
    - -
    Deferred Revenue
    - -
    - -
    - -

    Growth Rates

    PLN

    •

    in mil. unless spec.

    (avg. rate of change)

    10 years
    5 years
    1 year
    Total Equity
    5.81%
    4.65%
    3.09%
    Free Cash Flow
    -29.38%
    31.31%
    289.38%
    Net Income, GAAP
    20.48%
    52.75%
    24.29%
    Sales/Revenue/Turnover
    9.4%
    14.28%
    4.33%
    Total Cash Common Dividend
    1,016.1%
    188.98%
    4.07%

    Quarterly Revenue

    PLN

    •

    in mil. unless spec.

    Year

    Q1
    Q2
    Q3
    Q4
    FY
    2024
    4,146
    3,674
    3,946
    3,958
    15,306
    2025
    3,950
    4,051
    - -
    4,014
    15,969
    2026
    3,992
    - -
    - -
    - -
    - -

    Quarterly Earnings Per Share

    PLN

    •

    in mil. unless spec.

    Year

    Q1
    Q2
    Q3
    Q4
    FY
    2024
    15.31
    7.2
    18.98
    8.94
    51.01
    2025
    16.96
    - -
    - -
    17.99
    63.4
    2026
    10.06
    - -
    - -
    - -
    - -

    Quarterly Dividends Per Share

    PLN

    •

    in mil. unless spec.

    Year

    Q1
    Q2
    Q3
    Q4
    FY
    2024
    - -
    - -
    - -
    - -
    45.09
    2025
    - -
    - -
    - -
    - -
    46.92
    2026
    - -
    - -
    - -
    - -
    - -

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