Santander Bank Polska S.A. Just Missed EPS By 8.5%: Here's What Analysts Think Will Happen Next

Santander Bank Polska S.A. (WSE:SPL) just released its latest third-quarter report and things are not looking great. Santander Bank Polska missed analyst forecasts, with revenues of zł3.9b and statutory earnings per share (EPS) of zł18.48, falling short by 7.0% and 8.5% respectively. Earnings are an important time for investors, as they can track a company's performance, look at what the analysts are forecasting for next year, and see if there's been a change in sentiment towards the company. Readers will be glad to know we've aggregated the latest statutory forecasts to see whether the analysts have changed their mind on Santander Bank Polska after the latest results.

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Taking into account the latest results, Santander Bank Polska's seven analysts currently expect revenues in 2026 to be zł16.9b, approximately in line with the last 12 months. Statutory earnings per share are predicted to step up 13% to zł61.08. Yet prior to the latest earnings, the analysts had been anticipated revenues of zł17.1b and earnings per share (EPS) of zł62.89 in 2026. So it looks like there's been a small decline in overall sentiment after the recent results - there's been no major change to revenue estimates, but the analysts did make a minor downgrade to their earnings per share forecasts.

See our latest analysis for Santander Bank Polska

The consensus price target held steady at zł564, with the analysts seemingly voting that their lower forecast earnings are not expected to lead to a lower stock price in the foreseeable future. That's not the only conclusion we can draw from this data however, as some investors also like to consider the spread in estimates when evaluating analyst price targets. Currently, the most bullish analyst values Santander Bank Polska at zł711 per share, while the most bearish prices it at zł450. Analysts definitely have varying views on the business, but the spread of estimates is not wide enough in our view to suggest that extreme outcomes could await Santander Bank Polska shareholders.

Of course, another way to look at these forecasts is to place them into context against the industry itself. It's pretty clear that there is an expectation that Santander Bank Polska's revenue growth will slow down substantially, with revenues to the end of 2026 expected to display 1.5% growth on an annualised basis. This is compared to a historical growth rate of 20% over the past five years. Compare this to the 11 other companies in this industry with analyst coverage, which are forecast to grow their revenue at 1.5% per year. So it's pretty clear that, while Santander Bank Polska's revenue growth is expected to slow, it's expected to grow roughly in line with the industry.

The Bottom Line

The most important thing to take away is that the analysts downgraded their earnings per share estimates, showing that there has been a clear decline in sentiment following these results. Happily, there were no real changes to revenue forecasts, with the business still expected to grow in line with the overall industry. There was no real change to the consensus price target, suggesting that the intrinsic value of the business has not undergone any major changes with the latest estimates.

With that said, the long-term trajectory of the company's earnings is a lot more important than next year. At Simply Wall St, we have a full range of analyst estimates for Santander Bank Polska going out to 2027, and you can see them free on our platform here..

Don't forget that there may still be risks. For instance, we've identified 2 warning signs for Santander Bank Polska that you should be aware of.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.