ScoreWhy is Bank Millennium SA ?
1
Poor Management Efficiency with a low ROA of 0.67%
- The bank has been able to generate a Return on Assets (avg) of 0.67% signifying low profitability per unit of total assets
2
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 14.06% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 14.06% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
3
Poor long term growth as Net profit has grown by an annual rate of 121.00%
4
Flat results in Jun 26
- ROCE(HY) Lowest at 0.88%
- CREDIT DEPOSIT RATIO(HY) Lowest at 59.26%
5
With ROA of 0.47%, it has a attractive valuation with a 2.20 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 35.91%, its profits have risen by 67% ; the PEG ratio of the company is 0.3
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Bank Millennium 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 Millennium SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Bank Millennium SA
33.98%
4.85
32.11%
Poland WIG
37.09%
2.22
16.70%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.90%
EBIT Growth (5y)
32.49%
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
0
Pledged Shares
0
Institutional Holding
0.20%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
20
Industry P/E
Price to Book Value
2.20
EV to EBIT
7.97
EV to EBITDA
7.50
EV to Capital Employed
1.83
EV to Sales
3.10
PEG Ratio
0.29
Dividend Yield
NA
ROCE (Latest)
22.96%
ROE (Latest)
11.23%
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
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend8What is working for the Company
GROSS NPA (%)
(Q
ROCE(HY)
Highest at 0.88%
EPS(Q)
Highest at PLN 0.34
-4What is not working for the Company
ROCE(HY)
Lowest at 0.88%
CREDIT DEPOSIT RATIO(HY)
Lowest at 59.26%
Here's what is working for Bank Millennium SA
Non Performing Loans (%)
Lowest at 3.43% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
EPS
Highest at PLN 0.34
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PLN)
Depreciation
Highest at PLN 66.94 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PLN MM)
Here's what is not working for Bank Millennium SA
Credit Deposit Ratio
Lowest at 59.26% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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