Full history for every metric is available with a Kvantra account
Key financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PLN bn | 6.2 | 6.9 | 7.7 | 10.6 | 11.3 | 12.3 | 12.8 | - |
| Operating profit | PLN bn | 5.88 | 6.55 | ||||||
| Net profit | PLN bn | 1.34 | 2.31 | 1.71 | 4.44 | 4.37 | 4.63 | 4.50 | 4.28 |
| EPS reported | PLN | 35.59 | 34.57 | ||||||
| Operating cashflow per share | PLN | 39.13 | 116.9 | ||||||
| Capex per share | PLN | 0.76 | 1.30 | ||||||
| FCF per share | PLN | 38.37 | 115.6 | ||||||
| Free cash flow | PLN bn | 5.0 | 15.1 | ||||||
| Net debt | PLN bn | 11.8 | 17.0 | ||||||
| Book value equity | PLN bn | 21.3 | 19.7 | ||||||
| Book value per share | PLN | 163.9 | 151.1 | ||||||
| Number of shares | m | 130.18 | 130.23 | ||||||
| DPS (TTM paid) | PLN | 26.71 | 26.71 |
Financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.60 | 13.05 | ||||||
| P/B LTM | x | 2.08 | 2.98 | ||||||
| P/S LTM | x | 3.61 | 4.60 | ||||||
| P/FCF LTM | x | 8.90 | 3.90 | ||||||
| EV/EBITDA LTM | x | 9.57 | 11.32 | ||||||
| EV/Sales LTM | x | 3.26 | 5.94 | ||||||
| Earnings Yield LTM | % | 10.42% | 7.66% | ||||||
| FCF Yield | % | 11.24% | 25.65% | ||||||
| Quality | |||||||||
| ROE | % | 21.71% | 22.29% | ||||||
| ROIC | % | 1.63% | 1.47% | ||||||
| Operating margin | % | 34.04% | 37.51% | ||||||
| Gross margin | % | 66.86% | 69.96% | ||||||
| FCF/Sales | % | 28.92% | 86.19% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +6.02% | -1.34% | ||||||
| Sales Growth YoY | % | +9.58% | +9.71% | ||||||
| Net Income Growth YoY | % | +6.04% | -1.32% | ||||||
| FCF Growth | % | +52.47% | -5.73% | ||||||
| Operating Profit Growth | % | +6.01% | +12.66% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 7.37% | 5.92% | ||||||
| Dividend Growth | % | +6.08% | +6.08% | ||||||
| Payout Ratio | % | 70.71% | 77.23% | ||||||
| FCF/Debt | x | 0.26 | 0.53 | ||||||
| Net Debt/EBITDA | x | 2.01 | 2.54 | ||||||
| EBIT/Net interest | x | 1.19 | 1.39 | ||||||
| Net debt/market cap | % | 26.55% | 28.94% | ||||||
| Net debt/Equity | x | 0.55 | 0.86 | ||||||
| Gross debt/equity | x | 0.90 | 1.44 | ||||||
ETFs that hold ING Bank Slaski
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| BETA ETF mWIG40TR | ETFBM40TR.WA | 1 | 9.13% |
Funds with ING Bank Slaski among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
ING Bank Slaski S.A., along with its affiliated companies, offers a broad spectrum of banking solutions and services across Poland. Its operations are structured into two distinct divisions: Retail Banking and Corporate Banking. The Retail Banking segment caters to individual customers, providing a variety of lending options such as overdrafts, card-linked loans, installment credit, and home mortgages. It also manages diverse deposit accounts, including current, term, and savings accounts, in addition to offering structured investment products, units in ING funds, brokerage facilities, and bank cards. For businesses, including institutional clients and individual entrepreneurs, the Corporate Banking segment supplies various deposit products like current, fixed-term, negotiated, and savings accounts. It also extends both working capital and investment loans, alongside providing financial market instruments, trust services, and capital market transaction capabilities. Beyond its primary banking functions, the bank is engaged in the management and leasing of real estate assets, and delivers financial advisory and intermediary services. Furthermore, its service portfolio encompasses leasing and factoring solutions, accountancy and payroll administration, educational programs and promotional activities for the financial market (including TURBO certificates), and even holiday and training courses. The institution operates through a network of 312 branches. Founded in 1989, its main corporate office is situated in Katowice, Poland. ING Bank Slaski S.A. operates as a subsidiary of ING Bank NV.
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.
ING Bank Slaski S.A. (ING.WA)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| BETA ETF mWIG40TR | ETFBM40TR.WA | 1 | 9.13% |
Funds with ING Bank Slaski among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
ING Bank Slaski S.A., along with its affiliated companies, offers a broad spectrum of banking solutions and services across Poland. Its operations are structured into two distinct divisions: Retail Banking and Corporate Banking. The Retail Banking segment caters to individual customers, providing a variety of lending options such as overdrafts, card-linked loans, installment credit, and home mortgages. It also manages diverse deposit accounts, including current, term, and savings accounts, in addition to offering structured investment products, units in ING funds, brokerage facilities, and bank cards. For businesses, including institutional clients and individual entrepreneurs, the Corporate Banking segment supplies various deposit products like current, fixed-term, negotiated, and savings accounts. It also extends both working capital and investment loans, alongside providing financial market instruments, trust services, and capital market transaction capabilities. Beyond its primary banking functions, the bank is engaged in the management and leasing of real estate assets, and delivers financial advisory and intermediary services. Furthermore, its service portfolio encompasses leasing and factoring solutions, accountancy and payroll administration, educational programs and promotional activities for the financial market (including TURBO certificates), and even holiday and training courses. The institution operates through a network of 312 branches. Founded in 1989, its main corporate office is situated in Katowice, Poland. ING Bank Slaski S.A. operates as a subsidiary of ING Bank NV.
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