ScoreWhy is Santander Bank Polska SA ?
1
Flat results in Mar 26
- NII(Q) Lowest at PLN 3,062.54 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 76.91%
- NET SALES(Q) Lowest at PLN 3,970.79 MM
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
30.59%
0.93
31.40%
Poland WIG
29.57%
1.74
17.24%
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 Trend1What is working for the Company
CASH AND EQV(HY)
Highest at PLN 23,755.13 MM
-9What is not working for the Company
NII(Q)
Lowest at PLN 3,062.54 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 76.91%
NET SALES(Q)
Lowest at PLN 3,970.79 MM
OPERATING PROFIT(Q)
Lowest at PLN 1,977.07 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 49.79 %
PRE-TAX PROFIT(Q)
Lowest at PLN 1,966.5 MM
NET PROFIT(Q)
Lowest at PLN 1,128.79 MM
Here's what is working for Santander Bank Polska SA
Cash and Eqv
Highest at PLN 23,755.13 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
NII
Lowest at PLN 3,062.54 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Net Sales
Lowest at PLN 3,970.79 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN 1,977.07 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Operating Profit Margin
Lowest at 49.79 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PLN 1,966.5 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PLN MM)
Net Profit
Lowest at PLN 1,128.79 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
Net Profit
At PLN 1,128.79 MM has Fallen at -40.14%
over average net sales of the previous four periods of PLN 1,885.86 MMMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
Credit Deposit Ratio
Lowest at 76.91%
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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