ScoreWhy is Bank Handlowy w Warszawie SA ?
1
Strong Long Term Fundamental Strength with a 29.70% CAGR growth in Net Profits
2
Healthy long term growth as Net profit has grown by an annual rate of 29.70%
3
Flat results in Sep 25
- NII(Q) Lowest at PLN 517.16 MM
- NET SALES(Q) At PLN 821.11 MM has Fallen at -13.26%
4
With ROA of 1.57%, it has a very attractive valuation with a 1.51 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of -7.06%, its profits have fallen by -22%
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -7.06% returns in the last 1 year, the stock has also underperformed Poland WIG in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Handlowy w Warszawie SA should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Bank Handlowy w Warszawie SA for you?
Low Risk, Low Return
Absolute
Risk Adjusted
Volatility
Bank Handlowy w Warszawie SA
-7.06%
0.25
25.47%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
25.60%
EBIT Growth (5y)
30.94%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
76.33%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.51
EV to EBIT
3.38
EV to EBITDA
3.21
EV to Capital Employed
2.70
EV to Sales
1.69
PEG Ratio
NA
Dividend Yield
9.63%
ROCE (Latest)
79.82%
ROE (Latest)
19.06%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PLN 1,880.14 MM
-3What is not working for the Company
NII(Q)
Lowest at PLN 517.16 MM
NET SALES(Q)
At PLN 821.11 MM has Fallen at -13.26%
Here's what is working for Bank Handlowy w Warszawie SA
Operating Cash Flow
Highest at PLN 1,880.14 MM and Grown
In each year in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PLN MM)
Here's what is not working for Bank Handlowy w Warszawie SA
NII
Lowest at PLN 517.16 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Net Sales
At PLN 821.11 MM has Fallen at -13.26%
over average net sales of the previous four periods of PLN 946.66 MMMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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