BNP Paribas Bank Polska S.A.

DB:82MA Stock Report

Market Cap: €3.1b

BNP Paribas Bank Polska Valuation

Is 82MA undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

1/6

Valuation Score 1/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of 82MA when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
€14.78
Fair Value
38.7% overvalued intrinsic discount
6
Number of Analysts

Below Fair Value: 82MA (€20.5) is trading above our estimate of fair value (€14.78)

Significantly Below Fair Value: 82MA is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 82MA?

Key metric: As 82MA is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 82MA. This is calculated by dividing 82MA's market cap by their current earnings.
What is 82MA's PE Ratio?
PE Ratio8.9x
Earningszł1.47b
Market Capzł13.07b

Price to Earnings Ratio vs Peers

How does 82MA's PE Ratio compare to its peers?

The above table shows the PE ratio for 82MA vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.6x
PCZ ProCredit Holding
5x12.2%€518.3m
CBK Commerzbank
10.4x9.2%€22.1b
MBK Merkur PrivatBank KgaA
10.7x8.5%€114.3m
UNI Unicaja Banco
8.2x-1.9%€3.5b
82MA BNP Paribas Bank Polska
8.9x14.6%€13.1b

Price-To-Earnings vs Peers: 82MA is expensive based on its Price-To-Earnings Ratio (8.9x) compared to the peer average (8.6x).

Price to Earnings Ratio vs Industry

How does 82MA's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
No. of Companies47PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 82MA is expensive based on its Price-To-Earnings Ratio (8.9x) compared to the European Banks industry average (8.3x).

Price to Earnings Ratio vs Fair Ratio

What is 82MA's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

82MA PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio8.9x
Fair PE Ratio11.4x

Price-To-Earnings vs Fair Ratio: 82MA is good value based on its Price-To-Earnings Ratio (8.9x) compared to the estimated Fair Price-To-Earnings Ratio (11.4x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst 82MA forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Current€20.50
€25.30
+23.4%
16.0%€29.89€17.12n/a6
Jan ’26€18.95
€23.92
+26.2%
20.3%€29.77€16.29n/a7
Dec ’25€18.30
€24.93
+36.2%
23.6%€33.34€16.18n/a7
Nov ’25€19.20
€25.72
+34.0%
22.9%€33.50€16.25n/a7
Oct ’25€21.40
€25.72
+20.2%
22.9%€33.50€16.25n/a7
Sep ’25€23.20
€25.76
+11.0%
22.8%€33.33€16.17n/a7
Aug ’25€22.70
€25.46
+12.2%
21.4%€30.92€16.26n/a7
Jul ’25€23.60
€25.53
+8.2%
20.8%€30.89€16.25n/a7
Jun ’25€22.90
€25.60
+11.8%
20.9%€30.89€16.25n/a7
May ’25€22.80
€25.70
+12.7%
14.7%€30.55€18.26n/a6
Apr ’25€24.80
€23.84
-3.9%
19.6%€27.86€13.97n/a6
Mar ’25€23.10
€21.83
-5.5%
18.0%€25.49€13.95n/a6
Feb ’25€19.45
€20.93
+7.6%
14.8%€25.30€16.79€20.506
Jan ’25€19.25
€20.96
+8.9%
14.5%€25.30€17.02€18.956
Dec ’24€16.90
€20.25
+19.8%
15.2%€25.45€17.12€18.306
Nov ’24€14.25
€15.96
+12.0%
6.7%€17.42€14.29€19.206
Oct ’24€12.35
€15.12
+22.4%
5.4%€16.38€13.80€21.406
Sep ’24€13.45
€15.71
+16.8%
5.4%€17.00€14.32€23.206
Aug ’24€14.35
€15.66
+9.1%
5.8%€17.03€14.34€22.705
Jul ’24€12.70
€14.88
+17.1%
6.0%€16.21€13.51€23.605
Jun ’24€10.85
€13.57
+25.0%
6.0%€14.82€12.63€22.905
May ’24€11.15
€13.15
+18.0%
6.2%€14.33€12.21€22.805
Apr ’24€11.00
€13.15
+19.6%
6.2%€14.33€12.21€24.805
Mar ’24€10.25
€13.14
+28.2%
4.2%€13.91€12.22€23.105
Feb ’24€10.95
€13.09
+19.6%
4.6%€14.03€12.14€19.455
Analyst Price Target
Consensus Narrative from 6 Analysts
€24.93
Fair Value
17.8% undervalued intrinsic discount
6
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/31 10:10
End of Day Share Price 2025/01/31 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

BNP Paribas Bank Polska S.A. is covered by 10 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Kamil KliszczBiuro maklerskie mBanku
Andrzej PowierzaCitigroup Inc
Mladen DodigErste Group Bank AG