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Santander Bank Polska S.A.

Data quality: 100%
Overbought
BKZHF
OTC Financial Services Banks - Regional
$166.92
$0.00 (0.00%)
Mkt Cap: 17.06B
Day Range
$161.24 $166.92
52-Week Range
$45.48 $169.15
Volume
16
50D / 200D Avg
$96.53 / $58.25
Prev Close
$166.92

Quick Summary

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 2.6 10.3
P/B 0.5 1.1
ROE % 19.1 11.6
Net Margin % 36.2 16.8
Rev Growth 5Y % 17.4 11.6
D/E 0.6 0.5

Analyst Price Target

No analyst coverage available

Earnings Estimates

Period EPS Est. Revenue Est. Analysts
FY2029 $64.70
$60.86 – $69.73
17.55B 1
FY2028 $70.14
$65.98 – $75.60
17.47B 1
FY2027 $63.10
$59.35 – $68.01
16.67B 1

Earnings Surprises

Last 8 quarters
Quarter Est. EPS Actual EPS Surprise
2026-02-24 $17.30 $5.00 -71.1%
2025-10-29 $4.80 $18.48 +285.0%
2025-07-31 $3.58 $2.76 -22.9%
2025-04-28 $3.67 $4.37 +19.1%
2025-02-05 $6.17 $2.16 -65.0%
2024-10-29 $2.82 $4.83 +71.3%
2024-07-24 $2.45 $1.93 -21.2%
2024-04-30 $2.23 $3.83 +71.7%

Dividend History

6 yr streak

Yield

0.29%

Payout Ratio

0.74%

Growth (3Y)

168.67%

Growth (5Y)

18.87%

Ex-Date Payment Date Amount Yield
May 12, 2026 May 20, 2026 $13.50 8.16%
May 12, 2025 May 20, 2025 $12.13 26.61%
May 15, 2024 May 23, 2024 $11.37 25.02%
Dec 21, 2023 Dec 29, 2023 $5.90 12.99%
May 24, 2022 Jun 01, 2022 $0.63 1.30%
Oct 07, 2021 Oct 15, 2021 $0.55 1.13%
May 29, 2019 Jun 14, 2019 $5.11 10.64%
May 29, 2018 Jun 14, 2018 $0.83 1.73%
May 30, 2017 Jun 14, 2017 $1.45 3.01%
Apr 28, 2016 May 16, 2016 $3.35 6.97%
Apr 29, 2014 May 16, 2014 $3.52 7.33%
Apr 29, 2013 May 17, 2013 $2.40 5.00%
May 22, 2012 Jun 08, 2012 $2.35 4.89%
May 05, 2011 May 23, 2011 $2.94 6.13%
May 05, 2010 May 21, 2010 $1.27 2.63%
May 02, 2008 May 19, 2008 $1.35 2.80%
Apr 30, 2007 May 18, 2007 $2.17 4.52%
Apr 19, 2006 May 11, 2006 $1.88 3.91%
Apr 27, 2005 May 17, 2005 $0.75 1.56%
May 04, 2004 Jun 01, 2004 $0.08 0.17%

Key Takeaways

Revenue grew 17.42% annually over 5 years — strong growth
Earnings grew 24.13% over the past year
ROE of 19.06% — decent returns on equity
Net margin of 36.23% shows strong profitability
Generating 4.13B in free cash flow
P/E of 2.64 — trading at a low valuation

Growth

Revenue Growth (5Y)
17.42%
Revenue (1Y)11.17%
Earnings (1Y)24.13%
FCF Growth (3Y)-30.78%

Quality

Return on Equity
19.06%
ROIC10.74%
Net Margin36.23%
Op. Margin46.25%

Safety

Debt / Equity
0.63
Current Ratio0.19
Interest Coverage1.85

Valuation

P/E Ratio
2.64
Forward P/E3.32
P/B Ratio0.48
EV/EBITDA1.07
Dividend Yield0.29%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 11.17% Revenue Growth (3Y) -8.31%
Earnings Growth (1Y) 24.13% Earnings Growth (3Y) 15.73%
Revenue Growth (5Y) 17.42% Earnings Growth (5Y) 55.32%
Profitability
Revenue (TTM) 17.86B Net Income (TTM) 6.47B
ROE 19.06% ROA 2.10%
Gross Margin 71.72% Operating Margin 46.25%
Net Margin 36.23% Free Cash Flow (TTM) 4.13B
ROIC 10.74% FCF Growth (3Y) -30.78%
Safety
Debt / Equity 0.63 Current Ratio 0.19
Interest Coverage 1.85
Dividends
Dividend Yield 0.29% Payout Ratio 0.74%
Dividend Growth (3Y) 168.67% Dividend Growth (5Y) 18.87%
Consecutive Div Years 6 yrs
Valuation
P/E Ratio 2.64 Forward P/E 3.32
P/B Ratio 0.48 P/S Ratio 0.96
PEG Ratio 0.11 Forward PEG N/A
EV/EBITDA 1.07 Fwd EV/EBITDA 1.44
Forward P/S 1.08 Fwd Earnings Yield 30.12%
FCF Yield 24.20%
Market Cap 17.06B Enterprise Value 8.85B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 17.86B 16.07B 21.25B 15.19B 9.39B
Net Income 6.47B 5.21B 4.83B 2.80B 1.11B
EPS (Diluted) 63.32 51.01 47.28 27.39 10.88
Gross Profit 12.81B 15.34B 15.95B 12.30B 9.04B
Operating Income 8.26B 7.23B 6.85B 4.35B 2.06B

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 307.76B 304.37B 276.65B 257.52B 243.02B
Total Liabilities 272.30B 269.93B 242.96B 229.05B 215.80B
Shareholders' Equity 35.38B 32.53B 31.76B 26.67B 25.53B
Total Debt 22.29B 17.91B 14.78B 15.81B 20.56B
Cash & Equivalents 30.50B 12.75B 11.65B 13.47B 11.05B
Current Assets 45.78B 15.60B 13.23B 14.77B 12.27B
Current Liabilities 246.43B 233.92B 211.17B 197.51B 185.46B

Strategy Scores

This stock passed the criteria for 1 strategy

Score = fit strength (0–100)
Rank = position among all matches
#48 of 220
53

Recent Activity

Exited Contrarian Investing (David Dreman)
Mar 26, 2026
Entered Capital Light Compounder
Mar 24, 2026
Entered Contrarian Investing (David Dreman)
Mar 24, 2026