Santander Bank Polska S.A.

    Santander Bank Polska S.A.

    GGPW:SPL
    - -
    PLN
    - -
    - -
    15.34P/E

    Share Statistics

    As of March 31, 2026, Santander Bank Polska S.A. has 102.19M shares outstanding.

    Shares Outstanding102.19M

    Valuation Ratios

    As of March 31, 2026, Santander Bank Polska S.A. trades at a trailing price-to-earnings ratio of 15.34. The price-to-sales ratio is 4.94, and the price-to-book ratio stands at 4.95.

    PE Ratio15.34
    PS Ratio4.94
    PB Ratio4.95
    P/TBV Ratio1.80
    P/FCF Ratio73.95
    P/OCF Ratio197.91

    Enterprise Valuation

    These figures are as of March 31, 2026. The EV/Sales ratio of 4.99 reflects the premium investors pay for the company's revenue stream, a useful check when earnings are depressed or negative. Santander Bank Polska S.A. trades at an EV/FCF ratio of 74.65, comparing the total takeover cost of the business to the cash it actually generates for all capital providers.

    EV / Sales4.99
    EV / FCF74.65

    Financial Position

    These figures are as of March 31, 2026.

    Debt / Equity47.09

    Financial Efficiency

    Over the twelve months ended March 31, 2026, Santander Bank Polska S.A. posted a return on equity (ROE) of 35.30, showing how much profit the company earns on every dollar of shareholder capital. Return on assets (ROA) stands at 1.26, measuring how efficiently the asset base is converted into earnings.

    Return on Equity (ROE)35.30
    Return on Assets (ROA)1.26

    Taxes

    These figures cover the twelve months ended March 31, 2026. That works out to an effective tax rate of 26.91, which can sit above or below the statutory corporate tax rate depending on foreign earnings mix, tax credits, and one-off items.

    Effective Tax Rate26.91

    Margins

    Over the twelve months ended March 31, 2026, Santander Bank Polska S.A. posted a gross margin of 100.00, reflecting its pricing power and cost economics.

    Gross Margin100.00
    Pretax Margin45.97
    Profit Margin32.22

    Dividends & Yields

    These figures cover the twelve months ended March 31, 2026. Free cash flow yield stands at 1.35, showing how much cash the business generates relative to its market value - dividends covered by free cash flow are generally more durable than those funded by debt. Total shareholder yield reaches 5.63, combining dividends paid with share buybacks and debt reduction for a fuller picture of capital returned to Santander Bank Polska S.A. shareholders.

    Shareholder Yield5.63
    FCF Yield1.35

    Scores

    As of March 31, 2026, Santander Bank Polska S.A. has an Altman Z-Score of 0.22, below the 3.0 threshold that indicates strong financial health and minimal bankruptcy risk.

    Altman Z-Score0.22