BKZH.F Stock Overview

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

BKZH.F fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	2/6
Past Performance	3/6
Financial Health	4/6
Dividends	2/6

Rewards

Trading at 35.3% below our estimate of its fair value

Earnings are forecast to grow 18.96% per year

Earnings grew by 109% over the past year

Risk Analysis

Shares are highly illiquid

Large one-off items impacting financial results

My Notes

Capture your thoughts, links and company narrative

Santander Bank Polska S.A. Competitors

Comerica

NYSE:CMA

US$8.0b

Credicorp

NYSE:BAP

US$14.4b

Bank of N.T. Butterfield & Son

NYSE:NTB

US$1.6b

Inter & Co

NasdaqGS:INTR

US$1.7b

Price History & Performance

Summary of share price highs, lows and changes for Santander Bank Polska
Historical stock prices
Current Share Price	zł45.48
52 Week High	zł48.04
52 Week Low	zł45.48
Beta	1.03
1 Month Change	0%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	107.34%

Recent updates

Shareholder Returns

	BKZH.F	US Banks	US Market
7D	0%	-6.3%	-4.0%
1Y	n/a	28.2%	24.0%

Return vs Industry: Insufficient data to determine how BKZH.F performed against the US Banks industry.

Return vs Market: Insufficient data to determine how BKZH.F performed against the US Market.

Price Volatility

Is BKZH.F's price volatile compared to industry and market?
BKZH.F volatility
BKZH.F Average Weekly Movement	n/a
Banks Industry Average Movement	5.3%
Market Average Movement	6.4%
10% most volatile stocks in US Market	16.8%
10% least volatile stocks in US Market	3.2%

Stable Share Price: BKZH.F has not had significant price volatility in the past 3 months.

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

About the Company

Founded	Employees	CEO	Website
1857	11,325	Michal Gajewski	www.santander.pl

Santander Bank Polska S.A., together with its subsidiaries, 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?
BKZH.F fundamental statistics
Market cap	US$6.20b
Earnings (TTM)	US$475.70m
Revenue (TTM)	US$2.39b

13.0x

P/E Ratio

1.0x

P/B Ratio

Is BKZH.F overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
BKZH.F income statement (TTM)
Revenue	zł10.49b
Cost of Revenue	zł134.79m
Gross Profit	zł10.35b
Other Expenses	zł8.26b
Earnings	zł2.09b

Last Reported Earnings

Sep 30, 2022

Next Earnings Date

Feb 22, 2023

Earnings per share (EPS)	20.45
Gross Margin	98.71%
Net Profit Margin	19.93%
Debt/Equity Ratio	132.8%

How did BKZH.F perform over the long term?

See historical performance and comparison

Dividends

1.0%

Current Dividend Yield

13%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2022/12/14 01:48
End of Day Share Price	2022/09/16 00:00
Earnings	2022/09/30
Annual Earnings	2021/12/31

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

Santander Bank Polska S.A. is covered by 32 analysts. 10 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
Andreas Markou	Berenberg
Kamil Kliszcz	Biuro maklerskie mBanku
Olga Veselova	BofA Global Research