Update shared on 14 Dec 2025
Fair value Decreased 4.35%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.
- Discount Rate: risen marginally from 9.19 percent to 9.45 percent, reflecting a slightly higher required return applied to future cash flows.
- Revenue Growth: expectations improved from a decline of 3.58 percent to a smaller projected decline of 2.03 percent, signaling a less negative top line outlook.
- Net Profit Margin: edged down from 39.71 percent to 38.48 percent, implying a modest reduction in long term profitability assumptions.
- Future P/E: decreased from 10.17x to 9.61x, suggesting a slightly lower valuation multiple applied to forecast earnings.
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