Santander Bank Polska S.A.

DB:BZI Stock Report

Market Cap: €11.2b

Santander Bank Polska Past Earnings Performance

Past criteria checks 1/6

Santander Bank Polska has been growing earnings at an average annual rate of 29.6%, while the Banks industry saw earnings growing at 17.6% annually. Revenues have been growing at an average rate of 18.3% per year. Santander Bank Polska's return on equity is 15.7%, and it has net margins of 33.7%.

Key information

29.6%

Earnings growth rate

29.6%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate18.3%
Return on equity15.7%
Net Margin33.7%
Next Earnings Update25 Feb 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Santander Bank Polska makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:BZI Revenue, expenses and earnings (PLN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2415,6565,2794,6420
30 Jun 2415,4214,8694,5440
31 Mar 2415,1995,2044,3960
31 Dec 2314,7824,8314,3010
30 Sep 2314,0464,7544,1150
30 Jun 2312,1553,5054,1480
31 Mar 2312,0033,0324,4000
31 Dec 2211,3632,7994,3490
30 Sep 2210,4742,0894,4000
30 Jun 2210,4652,3544,1250
31 Mar 229,0471,9193,6350
31 Dec 217,9391,1123,5050
30 Sep 217,3891,0003,4200
30 Jun 217,1909363,4190
31 Mar 216,8041,0183,3620
31 Dec 206,8261,0373,4900
30 Sep 207,2381,4633,4300
30 Jun 207,5711,6793,6240
31 Mar 207,9991,9703,7790
31 Dec 198,2072,1383,7220
30 Sep 197,7652,3973,7850
30 Jun 197,4602,2073,5570
31 Mar 197,3432,2613,3960
31 Dec 187,1482,3633,1690
30 Sep 187,2392,1473,1850
30 Jun 187,1562,2013,1630
31 Mar 187,0942,2013,2360
31 Dec 177,0062,2133,2250
30 Sep 176,8752,1253,1820
30 Jun 176,7071,9913,2230
31 Mar 176,8012,0633,2130
31 Dec 166,8072,1673,1790
30 Sep 166,6411,9833,4480
30 Jun 166,5662,0303,4310
31 Mar 166,2221,8483,4320
31 Dec 156,7032,3273,4300
30 Sep 156,7812,4954,8930
30 Jun 156,8432,5394,2270
31 Mar 156,6002,5013,5400
31 Dec 145,7001,9152,8380
30 Sep 145,7912,1217080
30 Jun 145,5792,1436570
31 Mar 145,4732,0586240
31 Dec 135,3461,9826080

Quality Earnings: BZI has a large one-off loss of PLN2.7B impacting its last 12 months of financial results to 30th September, 2024.

Growing Profit Margin: BZI's current net profit margins (33.7%) are lower than last year (33.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: BZI's earnings have grown significantly by 29.6% per year over the past 5 years.

Accelerating Growth: BZI's earnings growth over the past year (11%) is below its 5-year average (29.6% per year).

Earnings vs Industry: BZI earnings growth over the past year (11%) did not outperform the Banks industry 12.9%.

Return on Equity

High ROE: BZI's Return on Equity (15.7%) is considered low.

Return on Assets

Return on Capital Employed

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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