Erste Bank Polska S.A. (EBP.WA)
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No price history available.
Key financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PLN bn | 9 | 9 | 12 | 16 | 17 | 13 | 12 | - |
| Operating profit | PLN bn | 8 | 8 | ||||||
| Net profit | PLN bn | 1 | 1 | 3 | 5 | 5 | 6 | 6 | 6 |
| EPS reported | PLN | 63.40 | 58.01 | ||||||
| Operating cashflow per share | PLN | 46.71 | 12.02 | ||||||
| Capex per share | PLN | 6.27 | 6.54 | ||||||
| FCF per share | PLN | 40.44 | 5.48 | ||||||
| Free cash flow | PLN bn | 4 | 1 | ||||||
| Net debt | PLN bn | -20 | 14 | ||||||
| Book value equity | PLN bn | 35 | 32 | ||||||
| Book value per share | PLN | 346.7 | 315.1 | ||||||
| Number of shares | m | 102.19 | 102.19 | ||||||
| DPS (TTM paid) | PLN | 49.98 | 49.98 |
Financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.60 | 12.85 | ||||||
| P/B LTM | x | 1.57 | 1.73 | ||||||
| P/S LTM | x | 4.15 | 4.72 | ||||||
| P/FCF LTM | x | 13.49 | 99.52 | ||||||
| EV/EBITDA LTM | x | 7.36 | 7.84 | ||||||
| EV/Sales LTM | x | 3.60 | 5.67 | ||||||
| Earnings Yield LTM | % | +11.63% | +7.78% | ||||||
| FCF Yield | % | +7.42% | +1.00% | ||||||
| Quality | |||||||||
| ROE | % | +18.29% | +17.36% | ||||||
| ROIC | % | +2.11% | +1.75% | ||||||
| Operating margin | % | +46.19% | +50.25% | ||||||
| Gross margin | % | +89.59% | +92.45% | ||||||
| FCF/Sales | % | +23.11% | +3.58% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +24.29% | +13.72% | ||||||
| Sales Growth YoY | % | -21.42% | -30.85% | ||||||
| Net Income Growth YoY | % | +24.29% | +13.72% | ||||||
| FCF Growth | % | +60.71% | -78.22% | ||||||
| Operating Profit Growth | % | +13.68% | +8.27% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | +8.60% | +6.88% | ||||||
| Dividend Growth | % | +7.79% | +7.79% | ||||||
| Payout Ratio | % | +74.01% | +86.16% | ||||||
| FCF/Debt | x | 0.19 | 0.02 | ||||||
| Net Debt/EBITDA | x | 0.99 | 1.76 | ||||||
| EBIT/Net interest | x | 1.85 | 2.05 | ||||||
| Net debt/market cap | % | +47.88% | +34.48% | ||||||
| Net debt/Equity | x | -0.55 | 0.45 | ||||||
| Gross debt/equity | x | 0.63 | 0.81 | ||||||
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Santander Bank Polska S.A. provides a comprehensive array of banking and financial solutions, catering to a diverse clientele including individual consumers, small and medium-sized enterprises (SMEs), large corporations, and public sector bodies. Its retail offerings feature personal accounts, various deposit and currency options, sophisticated internet and mobile banking, and convenient mobile contactless payments, alongside tailored credit solutions. For investors, the bank delivers advisory services, structured deposits, certificates, and bonds, as well as brokerage capabilities. Businesses can access a full suite of services, including dedicated accounts, business loans, credit lines, payment cards and terminals, investment products, foreign trade assistance, financial market access, and leasing, all integrated with internet banking. The company further specializes in transaction handling, liquidity management, and provides guarantees for both domestic and international trade, along with financing for working capital and new investments. Additionally, it offers foreign exchange services, financial risk hedging, correspondent banking, trade finance, and trust services, including specialized solutions for financial institutions and global transactions. Expert debt and rating advisory, coupled with capital market and debt capital services, round out its extensive portfolio. As of December 31, 2021, the bank operated through 383 branches. Santander Bank Polska S.A. was established in 1857, is headquartered in Warsaw, Poland, and functions as a subsidiary of Banco Santander S.A.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Erste Bank Polska S.A. (EBP.WA)
No price history available.
Based on consensus from external analysts. Not Kvantra's opinion.
Santander Bank Polska S.A. provides a comprehensive array of banking and financial solutions, catering to a diverse clientele including individual consumers, small and medium-sized enterprises (SMEs), large corporations, and public sector bodies. Its retail offerings feature personal accounts, various deposit and currency options, sophisticated internet and mobile banking, and convenient mobile contactless payments, alongside tailored credit solutions. For investors, the bank delivers advisory services, structured deposits, certificates, and bonds, as well as brokerage capabilities. Businesses can access a full suite of services, including dedicated accounts, business loans, credit lines, payment cards and terminals, investment products, foreign trade assistance, financial market access, and leasing, all integrated with internet banking. The company further specializes in transaction handling, liquidity management, and provides guarantees for both domestic and international trade, along with financing for working capital and new investments. Additionally, it offers foreign exchange services, financial risk hedging, correspondent banking, trade finance, and trust services, including specialized solutions for financial institutions and global transactions. Expert debt and rating advisory, coupled with capital market and debt capital services, round out its extensive portfolio. As of December 31, 2021, the bank operated through 383 branches. Santander Bank Polska S.A. was established in 1857, is headquartered in Warsaw, Poland, and functions as a subsidiary of Banco Santander S.A.
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