SPL Share Price Performance
zł548.60
4.40 (0.81%)
12.0% overvalued intrinsic discount
zł490.00
Fair Value
Price zł548.60
AnalystLowTarget zł490.00
AnalystConsensusTarget zł563.33
AnalystHighTarget zł674.14
Fair Valuezł490.00
Share Pricen/a
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 zł490 12.0% overvalued intrinsic discount
Polish Disruption And Aging Demographics Will Erode Margins Despite Reforms
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AN
Fair Value zł565.61 3.0% undervalued intrinsic discount
Acquisition, Digital Banking And Green Lending Will Expand Future Markets
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Fair Value zł674.14 18.6% undervalued intrinsic discount
Rising Digital Use And Green Finance Will Unlock New Opportunities
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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
18
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AN
zł490
12.0% overvalued intrinsic discount
AnalystLowTarget's Fair Value
Revenue
2.46% p.a.
Profit Margin
39.06%
Future PE
10.43x
Price in 2029
zł661.94
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
9
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AN
zł674.14
18.6% undervalued intrinsic discount
AnalystHighTarget's Fair Value
Revenue
2.4% p.a.
Profit Margin
39.11%
Future PE
14.36x
Price in 2029
zł910.68
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
30
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AN
zł565.61
3.0% 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 And Lower Future P/E Will Pressure Returns
Fair Value: zł490 12.0% overvalued intrinsic discount
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AN
SPL: Future Meeting And Profitability Outlook Will Support Bullish Sentiment
Fair Value: zł674.14 18.6% undervalued intrinsic discount
1 followerusers have followed this narrative
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AN
Acquisition, Digital Banking And Green Lending Will Expand Future Markets
Fair Value: zł565.61 3.0% undervalued intrinsic discount
3 followersusers have followed this narrative
0 commentsusers have commented on this narrative
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Snowflake Analysis
Santander Bank Polska S.A. Key Details
Last Reported Earnings
Dec 31, 2025
Next Reporting Earnings
Apr 30, 2026
- 61.13
- 100.00%
- 40.47%
- 88.0%
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. The company offers personal account, savings accounts and term deposits, currencies, internet and mobile banking, and contactless payments, and debit and credit solutions. It 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, the company 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 founded in 1857 and is headquartered in Warsaw, Poland.
