ScoreWhy is Bank Millennium SA ?
1
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
2
Flat results in Jun 25
- ROCE(HY) Lowest at 0.62%
- CREDIT DEPOSIT RATIO(HY) Lowest at 62.99%
3
With ROA of 0.32%, it has a fair valuation with a 2.12 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 82.03%, its profits have risen by 25% ; the PEG ratio of the company is 1
4
Consistent Returns over the last 3 years
- Along with generating 82.03% returns in the last 1 year, the stock has outperformed Poland WIG in each of the last 3 annual periods
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
82.13%
2.31
40.00%
Poland WIG
39.24%
1.84
20.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.20%
EBIT Growth (5y)
24.86%
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
25
Industry P/E
Price to Book Value
2.12
EV to EBIT
7.44
EV to EBITDA
6.89
EV to Capital Employed
1.82
EV to Sales
2.37
PEG Ratio
0.99
Dividend Yield
NA
ROCE (Latest)
24.44%
ROE (Latest)
8.56%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
Bearish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
ROCE(HY)
Highest at 0.62%
GROSS NPA (%)
(Q
OPERATING PROFIT(Q)
Highest at PLN 1,000.66 MM
OPERATING PROFIT MARGIN(Q)
Highest at 43.44 %
PRE-TAX PROFIT(Q)
Highest at PLN 1,051.88 MM
EPS(Q)
Highest at PLN 0.27
-3What is not working for the Company
ROCE(HY)
Lowest at 0.62%
CREDIT DEPOSIT RATIO(HY)
Lowest at 62.99%
Here's what is working for Bank Millennium SA
Non Performing Loans (%)
Lowest at 4.22%
in the last four Semi-Annual periodsMOJO Watch
Proportion of stressed loans given by the bank are falling
Non Performing Loans (%)
Operating Profit
Highest at PLN 1,000.66 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PLN MM)
Operating Profit Margin
Highest at 43.44 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PLN 1,051.88 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
EPS
Highest at PLN 0.27
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PLN)
Here's what is not working for Bank Millennium SA
Credit Deposit Ratio
Lowest at 62.99%
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 (%)
Capital Adequacy Ratio
Lowest at 13.75%
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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