Santander Bank Polska S.A.
Santander Bank Polska S.A. Fundamental Analysis
Santander Bank Polska S.A. (BKZHF) shows moderate financial fundamentals with a PE ratio of 10.82, profit margin of 28.99%, and ROE of 17.02%. The company generates $19.9B in annual revenue with weak year-over-year growth of -19.92%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 46.2/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze BKZHF's fundamental strength across five key dimensions:
Efficiency Score
WeakBKZHF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentBKZHF trades at attractive valuation levels.
Growth Score
ModerateBKZHF shows steady but slowing expansion.
Financial Health Score
ExcellentBKZHF maintains a strong and stable balance sheet.
Profitability Score
ExcellentBKZHF achieves industry-leading margins.
Key Financial Metrics
Is BKZHF Expensive or Cheap?
P/E Ratio
BKZHF trades at 10.82 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BKZHF's PEG of 0.42 indicates potential undervaluation.
Price to Book
The market values Santander Bank Polska S.A. at 1.75 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.08 times EBITDA. This is generally considered low.
How Well Does BKZHF Make Money?
Net Profit Margin
For every $100 in sales, Santander Bank Polska S.A. keeps $28.99 as profit after all expenses.
Operating Margin
Core operations generate 39.50 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $17.02 in profit for every $100 of shareholder equity.
ROA
Santander Bank Polska S.A. generates $1.89 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Santander Bank Polska S.A. produces operating cash flow of $3.90B, showing steady but balanced cash generation.
Free Cash Flow
Santander Bank Polska S.A. generates strong free cash flow of $3.27B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $32.00 in free cash annually.
FCF Yield
BKZHF converts 5.24% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.82
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.42
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.75
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.14
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.63
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.09
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.17
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.03
vs 25 benchmark
How BKZHF Stacks Against Its Sector Peers
| Metric | BKZHF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.82 | 18.85 | Better (Cheaper) |
| ROE | 17.02% | 820.00% | Weak |
| Net Margin | 28.99% | 1999.00% | Weak |
| Debt/Equity | 0.63 | 1.01 | Strong (Low Leverage) |
| Current Ratio | 1.09 | 673.75 | Neutral |
| ROA | 1.89% | -23583.00% (disorted) | Weak |
BKZHF outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Santander Bank Polska S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
87.14%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
524.21%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-77.15%
Industry Style: Value, Dividend, Cyclical
Declining