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Santander Bank Polska DB:BZI Stock Report

Last Price

€107.00

Market Cap

€11.2b

7D

-4.7%

1Y

-9.6%

Updated

18 Dec, 2024

Data

Company Financials +

Santander Bank Polska S.A.

DB:BZI Stock Report

Market Cap: €11.2b

BZI Stock Overview

Provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. More details

BZI fundamental analysis
Snowflake Score
Valuation3/6
Future Growth1/6
Past Performance1/6
Financial Health4/6
Dividends5/6

Rewards

Trading at 53.6% below our estimate of its fair value

Earnings are forecast to grow 5.14% per year

Earnings have grown 29.6% per year over the past 5 years

Risk Analysis

Large one-off items impacting financial results

Unstable dividend track record


My Notes

Capture your thoughts, links and company narrative

Santander Bank Polska S.A. Competitors

Commerzbank

XTRA:CBK

€18.5b

ProCredit Holding

XTRA:PCZ

€464.1m

Merkur PrivatBank KgaA

XTRA:MBK

€105.8m

Bank of the Philippine Islands

PSE:BPI

₱664.3b

Price History & Performance

Summary of share price highs, lows and changes for Santander Bank Polska
Historical stock prices
Current Share Pricezł107.00
52 Week Highzł137.50
52 Week Lowzł99.66
Beta0.84
1 Month Change0.99%
3 Month Change-0.88%
1 Year Change-9.63%
3 Year Change51.73%
5 Year Change55.07%
Change since IPO16.54%

Recent News & Updates

Recent updates

Shareholder Returns

BZIDE BanksDE Market
7D-4.7%0.2%-1.4%
1Y-9.6%21.4%8.0%

Return vs Industry: BZI underperformed the German Banks industry which returned 20.7% over the past year.

Return vs Market: BZI underperformed the German Market which returned 8.1% over the past year.

Price Volatility

Is BZI's price volatile compared to industry and market?
BZI volatility
BZI Average Weekly Movement5.6%
Banks Industry Average Movement3.0%
Market Average Movement4.9%
10% most volatile stocks in DE Market11.9%
10% least volatile stocks in DE Market2.5%

Stable Share Price: BZI has not had significant price volatility in the past 3 months compared to the German market.

Volatility Over Time: BZI's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
185711,397Michal Gajewskiwww.santander.pl

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, deposits and currencies, internet and mobile banking, and mobile contactless payments, and credit solutions. The company also provides investment advisory, structured deposits, structured certificates and bonds, and brokerage services.

Santander Bank Polska S.A. Fundamentals Summary

How do Santander Bank Polska's earnings and revenue compare to its market cap?
BZI fundamental statistics
Market cap€11.23b
Earnings (TTM)€1.24b
Revenue (TTM)€3.67b

9.1x

P/E Ratio

1.5x

P/B Ratio

Is BZI overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BZI income statement (TTM)
Revenuezł15.66b
Cost of Revenuezł140.56m
Gross Profitzł15.52b
Other Expenseszł10.24b
Earningszł5.28b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Feb 25, 2025

Earnings per share (EPS)51.66
Gross Margin99.10%
Net Profit Margin33.72%
Debt/Equity Ratio84.5%

How did BZI perform over the long term?

See historical performance and comparison

Dividends

14.5%

Current Dividend Yield

86%

Payout Ratio

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 16:02
End of Day Share Price 2024/12/18 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

Santander Bank Polska S.A. is covered by 32 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Andreas MarkouBerenberg
Kamil KliszczBiuro maklerskie mBanku
Olga VeselovaBofA Global Research