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Bank Handlowy w Warszawie SA

  • Market Cap: Large Cap
  • Industry: Regional Banks
  • ISIN: PLBH00000012
  • WAR: BHW
PLN
120.00
0.00 (0.00%)

Oct 02

WAR

 View all stocks in this country
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

Comparison

Company
Score
Quality
Valuation
Financial
Technical
ING Bank Slaski SA
Bank Millennium SA
BANK POLSKA KASA OPIEKI SA
Alior Bank SA
Santander Bank Polska SA
BNP Paribas Bank Polska SA
Bank Handlowy w Warszawie SA
Getin Holding SA
Bank Ochrony Srodowiska SA
mPay SA

Why is Bank Handlowy w Warszawie SA ?

1
Strong Long Term Fundamental Strength with a 59.10% CAGR growth in Net Profits
2
The company has declared Negative results for the last 4 consecutive quarters
  • NET SALES(HY) At PLN 1,491.84 MM has Grown at -22.55%
  • CREDIT DEPOSIT RATIO(HY) Lowest at 43.74%
  • OPERATING PROFIT(Q) Lowest at PLN 390.87 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 11.94%, its profits have fallen by -2%
4
Underperformed the market in the last 1 year
  • The stock has generated a return of 11.94% in the last 1 year, much lower than market (Poland WIG) returns of 43.29%
stock-recommendationReal-Time Research Report

Verdict Report

How much should you hold?

  1. Overall Portfolio exposure to Bank Handlowy w Warszawie SA should be less than 10%
  2. 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
11.94%
0.66
23.24%
Poland WIG
43.29%
2.67
16.21%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality 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
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

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%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
Analyse All Technical Factors stock-recommendation
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

0What is working for the Company
NO KEY POSITIVE TRIGGERS
-12What is not working for the Company
NET SALES(HY)

At PLN 1,491.84 MM has Grown at -22.55%

CREDIT DEPOSIT RATIO(HY)

Lowest at 43.74%

OPERATING PROFIT(Q)

Lowest at PLN 390.87 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 50.51 %

PRE-TAX PROFIT(Q)

Lowest at PLN 411.51 MM

NET PROFIT(Q)

Lowest at PLN 275.7 MM

Here's what is working for Bank Handlowy w Warszawie SA

Depreciation
Highest at PLN 11.73 MM
in the last five periods
MOJO Watch
The expenditure on assets done by the company may have gone into operation

Depreciation (PLN MM)

CASA
Highest at 25.76%
in the last five periods
MOJO Watch
The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Bank Handlowy w Warszawie SA

Net Sales
At PLN 1,491.84 MM has Grown at -22.55%
Year on Year (YoY)
MOJO Watch
Near term sales trend is negative

Net Sales (PLN MM)

Operating Profit
Lowest at PLN 390.87 MM
in the last five periods
MOJO Watch
Near term Operating Profit trend is negative

Operating Profit (PLN MM)

Operating Profit Margin
Lowest at 50.51 %
in the last five periods
MOJO Watch
Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit
Lowest at PLN 411.51 MM
in the last five periods
MOJO Watch
Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (PLN MM)

Net Profit
Lowest at PLN 275.7 MM
in the last five periods
MOJO Watch
Near term Net Profit trend is negative

Net Profit (PLN MM)

Credit Deposit Ratio
Lowest at 43.74%
in the last four Semi-Annual periods
MOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets

Credit Deposit Ratio (%)

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