SPL Share Price Performance
zł0
-459.60 (-100.00%)
Price zł0
Fair Valuezł709.35
Share Pricen/a
Santander Bank Polska S.A. Just Missed EPS By 8.5%: Here's What Analysts Think Will Happen Next
Nov 01
Santander Bank Polska S.A. Stock Price
- 3 Narratives written by author
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- 11 Fair Values set on narratives written by author
SPL Community Narratives
AN
Fair Value zł709.35 26.2% undervalued intrinsic discount
Rising Digital Use And Green Finance Will Unlock New Opportunities
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AN
Fair Value zł440 19.0% overvalued intrinsic discount
Polish Disruption And Aging Demographics Will Erode Margins Despite Reforms
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Fair Value zł565.61 7.4% undervalued intrinsic discount
Acquisition, Digital Banking And Green Lending Will Expand Future Markets
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Polish Disruption And Aging Demographics Will Erode Margins Despite Reforms
Key Takeaways Heightened competition from fintechs, demographic challenges, and dependence on the Polish market threaten future revenue growth and increase earnings vulnerability. Regulatory pressures and structural disadvantages versus digital-first rivals will squeeze profitability and limit operational efficiency improvements.Read more
6
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AN
zł440
19.0% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
-2.03% p.a.
Profit Margin
38.48%
Future PE
9.61x
Price in 2028
zł575.88
Rising Digital Use And Green Finance Will Unlock New Opportunities
Key Takeaways Accelerated digital adoption and customer experience focus are strengthening the bank's competitive position, expanding its customer base, and improving cost efficiency. Strategic integration into Erste Group and rising demand for sustainable finance provide robust long-term growth opportunities and diversified, high-quality revenue streams.Read more
7
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AN
zł709.35
26.2% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
5.58% p.a.
Profit Margin
36.87%
Future PE
12.9x
Price in 2028
zł924.63
Acquisition, Digital Banking And Green Lending Will Expand Future Markets
Key Takeaways The upcoming acquisition and digital banking growth will boost innovation, efficiency, and customer expansion, strengthening revenue and margin prospects. Strategic focus on sustainable finance and robust credit risk management underpins long-term profitability and opens new high-margin opportunities.Read more
25
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AN
zł565.61
7.4% undervalued intrinsic discount
AnalystConsensusTarget's Fair Value
Revenue
0.87% p.a.
Profit Margin
38.88%
Future PE
11.17x
Price in 2028
zł736.26
Trending Discussion
Recently Updated Narratives
AN
SPL: Higher Discount Rate Will Pressure Long Term Profit Outlook
Fair Value: zł440 19.0% overvalued intrinsic discount
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AN
Rising Digital Use And Green Finance Will Unlock New Opportunities
Fair Value: zł709.35 26.2% undervalued intrinsic discount
1 followerusers have followed this narrative
0 commentsusers have commented on this narrative
0 likesusers have liked this narrative
AN
Acquisition, Digital Banking And Green Lending Will Expand Future Markets
Fair Value: zł565.61 7.4% undervalued intrinsic discount
3 followersusers have followed this narrative
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Snowflake Analysis
Santander Bank Polska S.A. Key Details
Last Reported Earnings
Sep 30, 2025
Next Reporting Earnings
n/a
- 55.16
- 99.11%
- 33.31%
- 76.2%
About SPL
- Founded
- 2001
- Employees
- 11272
- CEO
- WebsiteView website
Santander Bank Polska S.A. provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, savings accounts and term deposits, currencies, internet and mobile banking, and contactless payments, and debit and credit solutions. The company also provides consumer loans and home mortgages; mutual funds, including pension schemes and various investment programmes; and tourist/travel, motor, and home insurance products, as well as bancassurance products. In addition, it offers foreign exchange, bank guarantees, and foreign letter of credit. The company was formerly known as Bank Zachodni WBK S.A. and changed its name to Santander Bank Polska S.A. in September 2018. Santander Bank Polska S.A. was incorporated in 2001 and is headquartered in Warsaw, Poland. Santander Bank Polska S.A. is a subsidiary of Banco Santander, S.A.
