Earnings Miss: Santander Bank Polska S.A. Missed EPS By 11% And Analysts Are Revising Their Forecasts
Feb 08
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Polish (WIG) Financials Sector Analysis
UpdatedFeb 15, 2025
DataAggregated Company Financials
Companies71
- 7D3.2%
- 3M18.7%
- 1Y11.4%
- YTD16.7%
In the last week, the Financials industry is up 9.8%, with Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna up 8.0%. In the last 12 months, the industry was up 14%. Looking forward, earnings are forecast to grow by 4.4% annually.
Sector Valuation and Performance
Has the Polish Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Sun, 16 Feb 2025 | zł376.8b | zł163.7b | zł40.0b | 10.8x | 9.4x | 2.3x |
| Tue, 14 Jan 2025 | zł330.6b | zł163.0b | zł39.0b | 9.6x | 8.5x | 2x |
| Thu, 12 Dec 2024 | zł329.0b | zł163.0b | zł39.1b | 9.2x | 8.4x | 2x |
| Sat, 09 Nov 2024 | zł329.7b | zł162.6b | zł38.8b | 9.7x | 8.5x | 2x |
| Mon, 07 Oct 2024 | zł314.7b | zł159.1b | zł37.6b | 8.9x | 8.4x | 2x |
| Wed, 04 Sep 2024 | zł346.6b | zł159.2b | zł37.9b | 9.2x | 9.1x | 2.2x |
| Fri, 02 Aug 2024 | zł342.8b | zł159.0b | zł36.4b | 8.4x | 9.4x | 2.2x |
| Sun, 30 Jun 2024 | zł366.7b | zł158.7b | zł36.2b | 9x | 10.1x | 2.3x |
| Tue, 28 May 2024 | zł353.4b | zł158.7b | zł36.2b | 8.6x | 9.8x | 2.2x |
| Thu, 25 Apr 2024 | zł373.6b | zł155.7b | zł34.8b | 8.9x | 10.7x | 2.4x |
| Sat, 23 Mar 2024 | zł368.4b | zł155.6b | zł34.9b | 10.3x | 10.6x | 2.4x |
| Mon, 19 Feb 2024 | zł337.8b | zł156.6b | zł35.2b | 11x | 9.6x | 2.2x |
| Wed, 17 Jan 2024 | zł306.4b | zł154.5b | zł35.3b | 10.2x | 8.7x | 2x |
| Fri, 15 Dec 2023 | zł317.4b | zł154.4b | zł35.3b | 10.7x | 9x | 2.1x |
| Sun, 12 Nov 2023 | zł288.2b | zł150.2b | zł34.4b | 9.7x | 8.4x | 1.9x |
| Tue, 10 Oct 2023 | zł244.2b | zł131.1b | zł19.5b | 10.3x | 12.5x | 1.9x |
| Thu, 07 Sep 2023 | zł233.5b | zł131.3b | zł42.2b | 10.5x | 5.5x | 1.8x |
| Sat, 05 Aug 2023 | zł258.7b | zł124.6b | zł17.8b | 15x | 14.5x | 2.1x |
| Mon, 03 Jul 2023 | zł243.2b | zł123.2b | zł17.1b | 13.4x | 14.2x | 2x |
| Wed, 31 May 2023 | zł223.8b | zł124.6b | zł17.1b | 11.8x | 13.1x | 1.8x |
| Fri, 28 Apr 2023 | zł221.9b | zł117.6b | zł15.9b | 12.1x | 14x | 1.9x |
| Sun, 26 Mar 2023 | zł184.7b | zł112.5b | zł15.5b | 10x | 11.9x | 1.6x |
| Tue, 21 Feb 2023 | zł204.8b | zł112.2b | zł14.4b | 10.9x | 14.2x | 1.8x |
| Thu, 19 Jan 2023 | zł211.8b | zł110.7b | zł10.0b | 12.6x | 21.3x | 1.9x |
| Sat, 17 Dec 2022 | zł188.3b | zł110.6b | zł9.9b | 12x | 18.9x | 1.7x |
| Mon, 14 Nov 2022 | zł186.1b | zł109.1b | zł9.9b | 10.8x | 18.9x | 1.7x |
| Wed, 12 Oct 2022 | zł145.6b | zł113.3b | zł17.3b | 7.6x | 8.4x | 1.3x |
| Fri, 09 Sep 2022 | zł157.0b | zł112.3b | zł17.1b | 9.1x | 9.2x | 1.4x |
| Sun, 07 Aug 2022 | zł165.2b | zł111.4b | zł17.2b | 10.5x | 9.6x | 1.5x |
| Tue, 05 Jul 2022 | zł172.2b | zł107.6b | zł16.3b | 11.3x | 10.6x | 1.6x |
| Thu, 02 Jun 2022 | zł196.3b | zł107.4b | zł17.0b | 12.6x | 11.5x | 1.8x |
| Sat, 30 Apr 2022 | zł202.0b | zł111.5b | zł17.8b | 11.1x | 11.4x | 1.8x |
| Mon, 28 Mar 2022 | zł227.7b | zł101.0b | zł14.3b | 11.6x | 15.9x | 2.3x |
| Wed, 23 Feb 2022 | zł254.7b | zł93.9b | zł8.4b | 13.5x | 30.4x | 2.7x |
Price to Earnings Ratio
30.4x
Current Industry PE
- Investors are pessimistic on the Polish Financials industry, indicating that they anticipate long term growth rates will be lower than they have historically.
- The industry is trading at a PE ratio of 9.5x which is lower than its 3-year average PE of 12.4x.
- The 3-year average PS ratio of 2.0x is lower than the industry's current PS ratio of 2.3x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 68% per year over the last three years.
- Revenues for these companies have grown 20% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Polish Financials sector?
| PL Market | 2.88% | |
| Financials | 3.17% | |
| Capital Markets | 3.97% | |
| Banks | 3.33% | |
| Insurance | 2.26% | |
| Consumer Finance | 2.11% | |
| Mortgage Finance | 0% | 0 |
| Mortgage REITs | 0% | 0 |
| Diversified Financial | -13.29% | |
Industry PE
- Investors are most optimistic about the Capital Markets industry even though it's trading below its 3-year average PE ratio of 16.0x.
- Analysts are expecting annual earnings decline of 13.3%, which is lower than the prior year's growth of 8.6% per year.
- Investors are most pessimistic about the Diversified Financial industry, which is trading below its 3-year average of 11.0x.
Forecasted Growth
- Analysts are most optimistic on the Banks industry, expecting annual earnings growth of 5.2% over the next 5 years.
- However this is lower than its past earnings growth rate of 7.5% per year.
- In contrast, the Capital Markets industry is expected to see its earnings decline by 13% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| PKO Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna | zł70.26 | 4.1% +zł3.5b | 30.5% | PB1.7x | |
| SPL Santander Bank Polska | zł525.20 | 4.4% +zł2.3b | 4.0% | PB1.6x | |
| PEO Bank Polska Kasa Opieki | zł172.35 | 4.9% +zł2.1b | 5.6% | PB1.5x | |
| MBK mBank | zł708.40 | 6.0% +zł1.7b | 12.6% | PB1.7x | |
| PZU Powszechny Zaklad Ubezpieczen | zł52.30 | 2.4% +zł1.1b | 8.6% | PE8.6x |
