ScoreWhy is Santander Bank Polska SA ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.66% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 17.66% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Weak Long Term Fundamental Strength with Tier 1 Capital Adeqacy Ratio of 17.66%
3
Flat results in Jun 26
- CREDIT DEPOSIT RATIO(HY) Lowest at 73.08%
4
With ROA of 1.27%, it has a fair valuation with a 1.82 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 32.15%, its profits have risen by 18% ; the PEG ratio of the company is 0.6
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, Medium Return
Absolute
Risk Adjusted
Volatility
Santander Bank Polska SA
30.76%
1.50
30.77%
Poland WIG
37.09%
2.22
16.70%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
20.10%
EBIT Growth (5y)
37.54%
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
78.83%
Pledged Shares
0
Institutional Holding
0.15%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
10
Industry P/E
Price to Book Value
1.82
EV to EBIT
8.27
EV to EBITDA
7.77
EV to Capital Employed
1.63
EV to Sales
4.42
PEG Ratio
0.59
Dividend Yield
7.85%
ROCE (Latest)
19.71%
ROE (Latest)
17.50%
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 Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
CASH AND EQV(HY)
Highest at PLN 21,592.82 MM
OPERATING PROFIT MARGIN(Q)
Highest at 60.74 %
-2What is not working for the Company
CREDIT DEPOSIT RATIO(HY)
Lowest at 73.08%
Here's what is working for Santander Bank Polska SA
Operating Profit Margin
Highest at 60.74 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Cash and Eqv
Highest at PLN 21,592.82 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 Santander Bank Polska SA
Credit Deposit Ratio
Lowest at 73.08% 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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