ScoreWhy is Santander Bank Polska SA ?
1
Efficient Cost Management with a low Cost to Income Ratio of 35.77%
2
Strong Long Term Fundamental Strength with a 0% CAGR growth in Net Interet Income
3
Healthy long term growth as Net Interest Income (ex other income) has grown by an annual rate of 0%
4
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at PLN 9,289.26 MM
- ROCE(HY) Lowest at 2%
- CREDIT DEPOSIT RATIO(HY) Lowest at 77.54%
5
With ROA of 1.01%, it has a very attractive valuation with a 1.58 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 10.16%, its profits have risen by 8% ; the PEG ratio of the company is 1.2
6
Underperformed the market in the last 1 year
- The stock has generated a return of 10.16% in the last 1 year, much lower than market (Poland WIG) returns of 37.76%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Santander 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 Santander Bank Polska SA for you?
Medium Risk, Low Return
Absolute
Risk Adjusted
Volatility
Santander Bank Polska SA
9.28%
0.13
34.77%
Poland WIG
39.24%
1.84
20.48%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
17.50%
EBIT Growth (5y)
27.71%
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
90.90%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.58
EV to EBIT
5.71
EV to EBITDA
5.38
EV to Capital Employed
1.48
EV to Sales
2.91
PEG Ratio
1.20
Dividend Yield
9.62%
ROCE (Latest)
25.89%
ROE (Latest)
16.69%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Mildly Bearish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend3What is working for the Company
ROCE(HY)
Highest at 2%
OPERATING PROFIT MARGIN(Q)
Highest at 59.77 %
-6What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN 9,289.26 MM
ROCE(HY)
Lowest at 2%
CREDIT DEPOSIT RATIO(HY)
Lowest at 77.54%
Here's what is working for Santander Bank Polska SA
Operating Profit Margin
Highest at 59.77 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
CASA
Highest at 17.31%
in the last five periodsMOJO 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 Santander Bank Polska SA
Operating Cash Flow
Lowest at PLN 9,289.26 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
Credit Deposit Ratio
Lowest at 77.54%
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 (%)
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