ScoreWhy is ING Bank Slaski SA ?
1
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
- Bank has controlled its costs efficiently with a low Cost to Income ratio of 45.94%
2
Positive results in Jun 26
- NII(Q) Highest at PLN 2,380 MM
- OPERATING CASH FLOW(Y) Highest at PLN 15,224 MM
- CASH AND EQV(HY) Highest at PLN 20,033 MM
3
With ROA of 0.88%, it has a expensive valuation with a 2.83 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 31.96%, its profits have risen by 6% ; the PEG ratio of the company is 2.1
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to ING Bank Slaski 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 ING Bank Slaski SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
ING Bank Slaski SA
29.59%
1.98
27.98%
Poland WIG
37.09%
2.22
16.70%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
21.30%
EBIT Growth (5y)
24.39%
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
75.06%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
13
Industry P/E
Price to Book Value
2.83
EV to EBIT
14.46
EV to EBITDA
13.68
EV to Capital Employed
1.85
EV to Sales
5.92
PEG Ratio
2.08
Dividend Yield
5.98%
ROCE (Latest)
12.79%
ROE (Latest)
22.51%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at PLN 2,380 MM
OPERATING CASH FLOW(Y)
Highest at PLN 15,224 MM
CASH AND EQV(HY)
Highest at PLN 20,033 MM
NET SALES(Q)
Highest at PLN 3,528 MM
OPERATING PROFIT(Q)
Highest at PLN 1,830 MM
OPERATING PROFIT MARGIN(Q)
Highest at 51.87 %
PRE-TAX PROFIT(Q)
Highest at PLN 1,866 MM
-1What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 75.06%
Here's what is working for ING Bank Slaski SA
NII
Highest at PLN 2,380 MM and Grown
In each period in the last five periodsMOJO Watch
The bank's income from core business is increasing
Net NPA
Operating Cash Flow
Highest at PLN 15,224 MM
in the last three yearsMOJO Watch
The company has generated higher cash revenues from business operations
Operating Cash Flows (PLN MM)
Net Sales
Highest at PLN 3,528 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (PLN MM)
Operating Profit
Highest at PLN 1,830 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PLN MM)
Operating Profit Margin
Highest at 51.87 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PLN 1,866 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
Cash and Eqv
Highest at PLN 20,033 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for ING Bank Slaski SA
Credit Deposit Ratio
Lowest at 75.06%
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 13.46%
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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