ScoreWhy is BNP Paribas Bank Polska SA ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.54% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 12.54% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0% and Net profit at 33.10%
3
Positive results in Dec 25
- OPERATING CASH FLOW(Y) Highest at PLN 3,680.46 MM
- NET PROFIT(HY) Higher at PLN 3,719.69 MM
- ROCE(HY) Highest at 1.76%
4
With ROA of 0.92%, it has a attractive valuation with a 1.00 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 26.79%, its profits have risen by 133% ; the PEG ratio of the company is 0.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to BNP Paribas Bank Polska 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 BNP Paribas Bank Polska SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
BNP Paribas Bank Polska SA
26.79%
1.51
30.82%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.30%
EBIT Growth (5y)
32.98%
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
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
1.00
EV to EBIT
6.93
EV to EBITDA
6.01
EV to Capital Employed
1.00
EV to Sales
2.28
PEG Ratio
0.05
Dividend Yield
7.66%
ROCE (Latest)
14.42%
ROE (Latest)
15.54%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend12What is working for the Company
OPERATING CASH FLOW(Y)
Highest at PLN 3,680.46 MM
NET PROFIT(HY)
Higher at PLN 3,719.69 MM
ROCE(HY)
Highest at 1.76%
-5What is not working for the Company
ROCE(HY)
Lowest at 1.76%
NET SALES(Q)
Lowest at PLN 2,416.93 MM
EPS(Q)
Lowest at PLN 0
Here's what is working for BNP Paribas Bank Polska SA
Operating Cash Flow
Highest at PLN 3,680.46 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)
Net Profit
Higher at PLN 3,719.69 MM
than preceding 12 month period ended Dec 2025MOJO Watch
In the half year the company has already crossed Net Profit of the previous twelve months
Net Profit (PLN MM)
Net Profit
At PLN 3,719.69 MM has Grown at 131.89%
Year on Year (YoY)MOJO Watch
Near term Net Profit trend is positive
Net Profit (PLN MM)
Depreciation
Highest at PLN 142.19 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 BNP Paribas Bank Polska SA
Net Sales
Lowest at PLN 2,416.93 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
EPS
Lowest at PLN 0
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PLN)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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