Santander Bank Polska S.A.

Symbol: SPL.WA

WSE

571.6

PLN

Market price today

  • 11.2246

    P/E Ratio

  • 0.0470

    PEG Ratio

  • 58.41B

    MRK Cap

  • 0.04%

    DIV Yield

Santander Bank Polska S.A. (SPL-WA) Stock Price & Analysis

Shares Outstanding

102.19M

Gross Profit Margin

1.00%

Operating Profit Margin

0.31%

Net Profit Margin

0.27%

Return on Assets

0.02%

Return on Equity

0.16%

Return on Capital Employed

0.05%

Company general description and statistics

Sector: Financial Services
Industry: Banks - Regional
CEO:Mr. Michal Gajewski
Full-time employees:11344
City:Warsaw
Address:Aleja Jana Pawla II 17
IPO:2001-06-26
CIK:

Santander Bank Polska S.A., together with its subsidiaries, provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, deposits and currencies, internet and mobile banking, and mobile contactless payments, and credit solutions. The company also provides investment advisory, structured deposits, structured certificates and bonds, and brokerage services. In addition, the company offers accounts, business loans, credits, cards and payment terminals, deposits and investments, foreign trade, financial markets, leasing, and internet banking services. Further, the company offers transaction handling, liquidity management, export, import, domestic, and foreign guarantees, working capital finance, current, and investment financing services. Additionally, the company provides foreign exchange, hedging financial risk, correspondence banking, trade finance, and trust services, as well as solutions for financial institutions and global banking transactions. Furthermore, it offers debt and rating advisory and capital market and debt capital services. As of 31 December 2021,the company operates 383 branches. The company was founded in 1857 and is headquartered in Warsaw, Poland. Santander Bank Polska S.A. is a subsidiary of Banco Santander S.A.

General Outlook

In simple terms, Santander Bank Polska S.A. has 102.189 M shares that people are buying and selling right now. When we look at how much money they make before expenses, they keep 1.000% as profit. This shows they're good at controlling costs and are financially stable. Their operating profit, which is money made from regular business activities, is 0.311%. This means they run their business efficiently. Lastly, after paying all their bills, they still have a profit of 0.270%. This tells us they're good at keeping money after all costs.

Return on Investments

The company's asset efficiency, represented by a robust 0.019% return, is a testament to Santander Bank Polska S.A.'s adeptness in optimizing resource deployment. Santander Bank Polska S.A.'s utilization of its assets to generate profits is strikingly evident through a noteworthy return on equity of 0.160%. Furthermore, the proficiency of Santander Bank Polska S.A. in capital utilization is underscored by a remarkable 0.048% return on capital employed.

Stock Prices

Santander Bank Polska S.A.'s stock prices have been subject to undulating patterns. The peak stock value during this interval surged to $556.5, while its low point bottomed out at $542.5. This variance in figures offers investors a lucid insight into the roller-coaster ride that is Santander Bank Polska S.A.'s stock market.

Liquidity Ratios

Analyzing SPL.WA liquidity ratios reveals its financial health of the firm. The current ratio of 18.95% gauges short-term asset coverage for liabilities. The quick ratio (3.42%) assesses immediate liquidity, while the cash ratio (7.86%) indicates cash reserves.

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Current Ratio18.95%
Quick Ratio3.42%
Cash Ratio7.86%

Profitability Ratios

SPL.WA profitability indicators offer a lens into its earnings landscape. A pretax profit margin of 37.66% underscores its earnings before tax deductions. The effective tax rate stands at 27.08%, revealing its tax efficiency. The net income per EBT, 71.81%, and the EBT per EBIT, 121.05%, provide insights into its earnings hierarchy. Lastly, with an EBIT per revenue ratio of 31.11%, we grasp its operational profitability.

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Pretax Profit Margin37.66%
Effective Tax Rate27.08%
Net Income per EBT71.81%
EBT per EBIT121.05%
EBIT per Revenue31.11%

Operational Efficiency

Operational metrics shed light on its business agility. With an operating cycle of 0.19, it details the span from stock purchase to revenue.

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Days of Sales Outstanding3
Receivables Turnover243.20
Fixed Asset Turnover15.15
Asset Turnover0.07

Cash Flow Ratios

Peering into the cash flow metrics reveals liquidity and operational efficiency. The operating cash flow per share, 203.64, and free cash flow per share, 197.02, depict cash generation on a per-share basis. The cash per share value, 50.87, showcases liquidity position. A payout ratio of 0.46 highlights the portion of earnings distributed as dividends. Lastly, the operating cash flow sales ratio, 1.08, offers insight into cash flow relative to sales.

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Operating Cash Flow per Share203.64
Free Cash Flow per Share197.02
Cash per Share50.87
Payout Ratio0.46
Operating Cash Flow Sales Ratio1.08
Free Cash Flow to Operating Cash Flow Ratio0.97
Cash Flow Coverage Ratio1.08
Short Term Coverage Ratio2.97
Capital Expenditure Coverage Ratio30.77
Dividend Paid and Capex Coverage Ratio6.82
Dividend Payout Ratio0.05

Debt and Leverage Ratios

Diving into debt and leverage metrics unveils the company's financial structure. The debt ratio, at 6.90%, highlights its total liabilities relative to assets. With a debt-equity ratio of 0.58, we discern the balance between debt and equity financing. The long-term debt to capitalization, 27.15%, and total debt to capitalization, 36.90%, ratios shed light on its capital structure. An interest coverage of 1.13 indicates its ability to manage interest expenses.

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Debt Ratio6.90%
Debt Equity Ratio0.58
Long Term Debt to Capitalization27.15%
Total Debt to Capitalization36.90%
Interest Coverage1.13
Cash Flow to Debt Ratio1.08
Company Equity Multiplier8.47

Per Share Data

Speaking about the per share data offers a perceptive view of financial distribution. The revenue per share, 214.31, provides a glimpse into top-line earnings distributed across each share. Net income per share, 47.28, reflects the portion of profit attributed to each share. The book value per share, 310.82, represents the net asset value distributed per share, while the tangible book value per share, 304.31, excludes intangible assets.

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Revenue Per Share214.31
Net Income Per Share47.28
Book Value Per Share310.82
Tangible Book Value Per Share304.31
Shareholders Equity Per Share310.82
Interest Debt Per Share211.93
Capex Per Share-6.21

Growth Ratios

Delving into growth metrics provides a snapshot of financial expansion. The revenue growth rate, 78.05%, indicates top-line expansion, while the gross profit growth, 78.05%, reveals profitability trends. EBIT growth, -100.28%, and operating income growth, -100.28%, offer insights into operational profitability progression. The net income growth, 72.60%, showcases bottom-line expansion, and the EPS growth, 72.62%, measures the growth in earnings per share.

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Revenue Growth78.05%
Gross Profit Growth78.05%
EBIT Growth-100.28%
Operating Income Growth-100.28%
Net Income Growth72.60%
EPS Growth72.62%
EPS Diluted Growth72.62%
Dividends per Share Growth589.40%
Operating Cash Flow Growth103.89%
Free Cash Flow Growth107.28%
10-Year Revenue Growth per Share254.09%
5-Year Revenue Growth per Share161.48%
3-Year Revenue Growth per Share155.09%
10-Year Operating CF Growth per Share5994.33%
5-Year Operating CF Growth per Share55.57%
3-Year Operating CF Growth per Share-14.82%
10-Year Net Income Growth per Share122.60%
5-Year Net Income Growth per Share99.33%
3-Year Net Income Growth per Share365.46%
10-Year Shareholders Equity Growth per Share109.14%
5-Year Shareholders Equity Growth per Share23.47%
3-Year Shareholders Equity Growth per Share17.58%
10-Year Dividend per Share Growth per Share193.42%
5-Year Dividend per Share Growth per Share358.17%
3-Year Dividend per Share Growth per Share2686.68%
Receivables Growth21.71%
Inventory Growth63.41%
Asset Growth6.75%
Book Value per Share Growth12.16%
Debt Growth5.84%
SGA Expenses Growth669.23%

Other Metrics

Venturing into other key metrics unveils diverse facets of financial performance. The enterprise value, 55,128,270,997.2, captures the company's total value, considering both debt and equity. Income quality, 3.68, assesses the reliability of reported earnings. The ratio of intangibles to total assets, 0.94%, indicates the value of non-physical assets, and capex to operating cash flow, -3.57%, measures reinvestment capability.

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Enterprise Value55,128,270,997.2
Income Quality3.68
Sales General and Administrative to Revenue0.05
Intangibles to Total Assets0.94%
Capex to Operating Cash Flow-3.57%
Capex to Revenue-2.90%
Capex to Depreciation-111.49%
Graham Number575.00
Return on Tangible Assets1.76%
Graham Net Net-2317.33
Working Capital-189,438,812,000
Tangible Asset Value31,097,540,000
Net Current Asset Value-212,920,506,000
Invested Capital1
Average Receivables1,194,069,000
Average Payables671,186,000
Average Inventory-24,198,174,500
Days Sales Outstanding22
ROIC-0.03%
ROE0.15%

Valuation Ratios

Exploring the valuation ratios offers insights into perceived market value. The price to book value ratio, 1.77, and the price to book ratio, 1.77, reflect the market's valuation relative to the company's book value. The price to sales ratio, 3.04, provides a perspective on valuation in relation to sales. Ratios like price to free cash flows, 2.90, and price to operating cash flows, 2.81, gauge market valuation against cash flow metrics.

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Price Book Value Ratio1.77
Price to Book Ratio1.77
Price to Sales Ratio3.04
Price Cash Flow Ratio2.81
Price Earnings to Growth Ratio0.05
Enterprise Value Multiple13.59
Price Fair Value1.77
Price to Operating Cash Flow Ratio2.81
Price to Free Cash Flows Ratio2.90
Price to Tangible Book Ratio1.58
Enterprise Value to Sales2.52
Enterprise Value Over EBITDA100.29
EV to Operating Cash Flow3.10
Earnings Yield9.65%
Free Cash Flow Yield34.28%
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Frequently Asked Question

How many company shares are outstanding in 2024?

There are stock number shares outstanding of Santander Bank Polska S.A. (SPL.WA) on the WSE in 2024.

What is P/E ratio of enterprise in 2024?

The current P/E ratio of enterprise is 11.225 in 2024.

What is the ticker symbol of Santander Bank Polska S.A. stock?

The ticker symbol of Santander Bank Polska S.A. stock is SPL.WA.

What is company IPO date?

IPO date of Santander Bank Polska S.A. is 2001-06-26.

What is company current share price?

Current share price is 571.600 PLN.

What is stock market cap today?

The market cap of stock today is 58411232400.000.

What is PEG ratio in 2024?

The current 0.047 is 0.047 in 2024.

What is the number of employees in 2024?

In 2024 the company has 11344.