ScoreWhy is Bank Handlowy w Warszawie SA ?
1
Strong Long Term Fundamental Strength with a 59.10% CAGR growth in Net Profits
2
Flat results in Mar 26
- NII(Q) Lowest at PLN 471.37 MM
- NET SALES(Q) At PLN 718.03 MM has Fallen at -16.84%
- OPERATING PROFIT(Q) Lowest at PLN 397.4 MM
3
With ROA of 1.55%, it has a fair valuation with a 1.59 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 4.42%, its profits have fallen by -2%
4
Underperformed the market in the last 1 year
- The stock has generated a return of 4.42% in the last 1 year, much lower than market (Poland WIG) returns of 29.94%
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
2.18%
0.72
25.08%
Poland WIG
29.57%
1.74
17.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.50%
EBIT Growth (5y)
37.62%
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
103.51%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.59
EV to EBIT
3.51
EV to EBITDA
3.44
EV to Capital Employed
4.96
EV to Sales
2.39
PEG Ratio
NA
Dividend Yield
19.16%
ROCE (Latest)
141.27%
ROE (Latest)
17.43%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
No Trend
Bullish
OBV
No Trend
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PLN 4,693.83 MM
CASH AND EQV(HY)
Highest at PLN 22,950.64 MM
CREDIT DEPOSIT RATIO(HY)
Highest at 74.02%
-9What is not working for the Company
NII(Q)
Lowest at PLN 471.37 MM
NET SALES(Q)
At PLN 718.03 MM has Fallen at -16.84%
OPERATING PROFIT(Q)
Lowest at PLN 397.4 MM
NET PROFIT(Q)
Lowest at PLN 392.26 MM
Here's what is working for Bank Handlowy w Warszawie SA
Operating Cash Flow
Highest at PLN 4,693.83 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)
Cash and Eqv
Highest at PLN 22,950.64 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Credit Deposit Ratio
Highest at 74.02%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Bank Handlowy w Warszawie SA
NII
Lowest at PLN 471.37 MM and Fallen
In each period in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Net Sales
At PLN 718.03 MM has Fallen at -16.84%
over average net sales of the previous four periods of PLN 863.44 MMMOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN 397.4 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Net Profit
Lowest at PLN 392.26 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
Capital Adequacy Ratio
Lowest at 20.3%
in the last five periodsMOJO Watch
The Bank's capital base vs its risk assets is deteriorating.
CAR (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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