0DOS Stock Overview

Provides a range of commercial banking services for individual and corporate clients in Poland and internationally. More details

0DOS fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	2/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 58.7% below our estimate of its fair value

Analysts in good agreement that stock price will rise by 21.1%

Risk Analysis

Shares are highly illiquid

Earnings are forecast to decline by an average of 9.9% per year for the next 3 years

Dividend of 12.53% is either not well covered by earnings currently or not forecast to be covered

My Notes

Capture your thoughts, links and company narrative

Bank Handlowy w Warszawie S.A. Competitors

Bank of Georgia Group

LSE:BGEO

UK£2.0b

TBC Bank Group

LSE:TBCG

UK£1.7b

Halyk Bank of Kazakhstan

LSE:HSBK

US$5.3b

Close Brothers Group

LSE:CBG

UK£350.1m

Price History & Performance

Summary of share price highs, lows and changes for Bank Handlowy w Warszawie
Historical stock prices
Current Share Price	zł87.24
52 Week High	zł110.80
52 Week Low	zł85.97
Beta	0.67
1 Month Change	-0.13%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	67.77%
Change since IPO	-7.56%

Recent updates

Shareholder Returns

	0DOS	GB Banks	GB Market
7D	0%	1.7%	0.8%
1Y	n/a	33.1%	2.7%

Return vs Industry: Insufficient data to determine how 0DOS performed against the UK Banks industry.

Return vs Market: Insufficient data to determine how 0DOS performed against the UK Market.

Price Volatility

Is 0DOS's price volatile compared to industry and market?
0DOS volatility
0DOS Average Weekly Movement	n/a
Banks Industry Average Movement	3.7%
Market Average Movement	4.7%
10% most volatile stocks in GB Market	10.4%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: 0DOS's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine 0DOS's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1870	2,990	Elzbieta Czetwertynska	www.citibank.pl

Bank Handlowy w Warszawie S.A., together with its subsidiaries, provides a range of commercial banking services for individual and corporate clients in Poland and internationally. The company operates through two segments, Institutional Bank and Consumer Bank. The Institutional Bank segment offers traditional banking services, including credit and deposit activities; cash management, trade financing, leasing, brokerage, and custody services in securities; treasury products on financial and commodity markets; investment banking services on the local and international capital markets, including advisory services, obtaining and underwriting financing via public and non-public issues of financial instruments; and proprietary transactions in the equity, debt, and derivative instruments markets to business entities, local government units, and the public sector.

Bank Handlowy w Warszawie S.A. Fundamentals Summary

How do Bank Handlowy w Warszawie's earnings and revenue compare to its market cap?
0DOS fundamental statistics
Market cap	zł11.61b
Earnings (TTM)	zł1.84b
Revenue (TTM)	zł4.28b

6.3x

P/E Ratio

1.2x

P/B Ratio

Is 0DOS overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
0DOS income statement (TTM)
Revenue	zł4.28b
Cost of Revenue	zł0
Gross Profit	zł4.28b
Other Expenses	zł2.44b
Earnings	zł1.84b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	14.12
Gross Margin	100.00%
Net Profit Margin	42.99%
Debt/Equity Ratio	68.1%

How did 0DOS perform over the long term?

See historical performance and comparison

Dividends

12.5%

Current Dividend Yield

77%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/28 03:53
End of Day Share Price	2024/12/20 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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

Bank Handlowy w Warszawie S.A. is covered by 24 analysts. 5 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Kamil Kliszcz	Biuro maklerskie mBanku
Maciej Szczesny	BofA Global Research
Maxence Patrick Le Gouvello du Timat	CA Cheuvreux