Santander Bank Polska S.A.

    Santander Bank Polska S.A.

    GGPW:SPL
    - -
    PLN
    - -
    - -
    15.34P/E
    Santander Bank Polska S.A.
    GPW:SPL
    (Warsaw Stock Exchange)

    Recent

    price

    - -

    P/E

    ratio

    15.34

    div

    yld

    - -

    ROIC.AI

    2010
    2011
    2012
    2013
    2014
    2015
    2016
    2017
    2018
    2019
    2020
    2021
    2022
    2023
    2024
    2025
    TTM
    PLN
    48.4
    52.17
    55.86
    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
    Revenue per Share
    13.33
    16.21
    19.42
    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
    Basic EPS, GAAP
    18.03
    21.71
    -22.84
    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
    Free Cash Flow per Basic Share
    4.34
    8.91
    8.77
    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
    - -
    Dividend per Share
    25.25
    28.89
    31.25
    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
    Book Value per Share
    90.33
    100.33
    119.87
    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
    Tangible Book Value per Share
    73
    73
    74
    93
    96
    99
    99
    99
    100
    102
    102
    102
    102
    102
    102
    102
    102
    Basic Weighted Avg Shares
    3,537
    3,813
    4,125
    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
    Sales/Revenue/Turnover
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Operating Margin (%)
    129
    216
    138
    219
    308
    257
    277
    319
    333
    628
    594
    579
    524
    569
    614
    599
    414
    Depreciation Expense
    974
    1,184
    1,434
    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
    Net Income, GAAP
    23.33
    20.46
    20.38
    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
    Effective Tax Rate (%)
    27.54
    31.06
    34.76
    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
    Profit Margin (%)
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Working Capital
    395
    1,658
    1,676
    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
    LT Debt
    6,774
    7,483
    8,978
    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
    Total Equity
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Return on Invested Capital (%)
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    - -
    Return on Capital (%)
    51.49
    59.87
    64.9
    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
    Return on Common Equity (%)

    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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