Bank Handlowy w Warszawie Past Earnings Performance

Past criteria checks 2/6

Bank Handlowy w Warszawie has been growing earnings at an average annual rate of 39%, while the Banks industry saw earnings growing at 24% annually. Revenues have been growing at an average rate of 21.1% per year. Bank Handlowy w Warszawie's return on equity is 18.8%, and it has net margins of 43%.

Key information

39.0%

Earnings growth rate

42.4%

EPS growth rate

Banks Industry Growth	21.2%
Revenue growth rate	21.1%
Return on equity	18.8%
Net Margin	43.0%
Last Earnings Update	30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Bank Handlowy w Warszawie makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

LSE:0DOS Revenue, expenses and earnings (PLN Millions)
Date	Revenue	Earnings	G+A Expenses
30 Sep 24	4,284	1,842	1,523
30 Jun 24	4,327	1,889	1,510
31 Mar 24	4,371	2,107	1,495
31 Dec 23	4,509	2,256	1,440
30 Sep 23	4,527	2,286	1,404
30 Jun 23	4,120	1,979	1,378
31 Mar 23	3,967	1,867	1,339
31 Dec 22	3,564	1,546	1,338
30 Sep 22	3,154	1,223	1,306
30 Jun 22	2,867	1,032	1,274
31 Mar 22	2,277	605	1,254
31 Dec 21	2,382	717	1,203
30 Sep 21	2,319	503	1,194
30 Jun 21	2,347	524	1,191
31 Mar 21	2,401	541	1,208
31 Dec 20	1,908	172	1,222
30 Sep 20	1,901	404	1,221
30 Jun 20	1,896	403	1,227
31 Mar 20	1,904	447	1,207
31 Dec 19	1,971	480	1,215
30 Sep 19	1,943	458	1,217
30 Jun 19	1,982	503	1,217
31 Mar 19	2,043	553	1,218
31 Dec 18	2,096	639	1,180
30 Sep 18	2,108	650	1,182
30 Jun 18	2,128	663	1,185
31 Mar 18	2,100	639	1,195
31 Dec 17	1,981	536	1,192
30 Sep 17	1,952	503	1,212
30 Jun 17	1,926	476	1,221
31 Mar 17	2,029	540	1,232
31 Dec 16	2,032	602	1,202
30 Sep 16	2,067	590	1,257
30 Jun 16	2,056	586	1,268
31 Mar 16	1,938	514	1,278
31 Dec 15	2,085	626	1,278
30 Sep 15	2,147	713	1,251
30 Jun 15	2,250	801	1,255
31 Mar 15	2,404	917	1,272
31 Dec 14	2,437	947	1,274
30 Sep 14	2,439	894	1,258
30 Jun 14	2,372	831	1,267
31 Mar 14	2,434	865	1,269
31 Dec 13	2,593	973	1,300

Quality Earnings: 0DOS has high quality earnings.

Growing Profit Margin: 0DOS's current net profit margins (43%) are lower than last year (50.5%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: 0DOS's earnings have grown significantly by 39% per year over the past 5 years.

Accelerating Growth: 0DOS's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: 0DOS had negative earnings growth (-19.4%) over the past year, making it difficult to compare to the Banks industry average (10.1%).

Return on Equity

High ROE: 0DOS's Return on Equity (18.8%) is considered low.

Return on Assets

Return on Capital Employed

Discover strong past performing companies

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/29 19:42
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