Santander Bank Polska

Polish Disruption And Aging Demographics Will Erode Margins Despite Reforms

AnalystLowTarget

Not Invested

Community Contributor

Published

23 Jun 25

Updated

14 Dec 25

Views

n/a

AnalystLowTarget's Fair Value

n/a

13.8%

5.8%

13.8%

5.8%

You can edit this narrative until Dec 15 10:05 PM. Then, changes will post as Updates.

Author's Valuation

zł44018.8% overvalued

AnalystLowTarget Fair Value

Narrative

Updates1

Shared on 14 Dec 25

Fair value Decreased 4.35%

SPL: Higher Discount Rate Will Pressure Long Term Profit Outlook

Analysts have trimmed their price target on Santander Bank Polska from PLN 460 to PLN 440, reflecting slightly higher discount rate assumptions and somewhat lower long term profitability expectations, despite improved revenue trend forecasts. Valuation Changes Fair Value Estimate: lowered slightly from PLN 460 to PLN 440, indicating a modest reduction in the bank's assessed intrinsic value.

AnalystLowTarget Fair Value

zł440

18.8% overvalued

Future estimation in

Growth p.a.

Decrease

Increase

Current revenue growth rate

0.84%

Banks revenue growth rate

0.26%

Risk Level (Discount Rate)

Our default considers factors like the company's size, volatility, profitablity and country of operation.

Decrease

Increase

Current discount rate

9.44%

Calculation

zł6.12b

Earnings '28

9.61x

PE Ratio '28

zł58.85b

Market Cap '28

zł58.85b

Market Cap '28

102.19m

No. shares '28

zł575.88

Share Price '28

zł575.88 Share Price '28

Discounted to 2025 @ 9.45% p.a.

zł439.18

Fair Value '25