Stock SPL SANTANDER BANK POLSKA S.A.
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Financials Santander Bank Polska S.A.

Equities

SPL

PLBZ00000044

Banks

Delayed Warsaw S.E.
Other stock markets
 08:11:05 2024-05-02 am EDT 		5-day change 1st Jan Change
564 PLN +0.57% Intraday chart for Santander Bank Polska S.A. -2.35% +15.15%
Apr. 30 Santander Bank Polska S.A. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
Apr. 30 Transcript : Santander Bank Polska S.A., Q1 2024 Earnings Call, Apr 30, 2024

Valuation

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Capitalization 1 31,382 18,977 35,613 26,508 57,308 - -
Enterprise Value (EV) 1 31,382 18,977 35,613 26,508 57,308 57,308 57,308
P/E ratio 14.7 x 18.3 x 32 x 9.47 x 10.1 x 9.74 x 9.43 x
Yield 6.42% - 0.77% 1.03% 7.62% 7.37% 7.66%
Capitalization / Revenue 3.47 x 2.19 x 3.87 x 2.14 x 3.6 x 3.51 x 3.44 x
EV / Revenue 3.47 x 2.19 x 3.87 x 2.14 x 3.6 x 3.51 x 3.44 x
EV / EBITDA - - - - - - -
EV / FCF - - - - - - -
FCF Yield - - - - - - -
Price to Book 1.16 x 0.66 x 1.31 x 0.88 x 1.69 x 1.61 x 1.47 x
Nbr of stocks (in thousands) 102,088 102,189 102,189 102,189 102,189 - -
Reference price 2 307.4 185.7 348.5 259.4 560.8 560.8 560.8
Announcement Date 1/29/20 2/3/21 2/2/22 2/2/23 - - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net sales 1 9,050 8,647 9,210 12,411 15,938 16,349 16,636
EBITDA - - - - - - -
EBIT 1 4,561 4,159 3,722 7,863 8,534 10,668 10,358
Operating Margin 50.4% 48.1% 40.42% 63.35% 53.54% 65.25% 62.26%
Earnings before Tax (EBT) 1 3,245 1,881 2,058 4,353 6,659 8,473 8,255
Net income 1 2,138 1,037 1,112 2,799 4,739 5,868 5,809
Net margin 23.63% 11.99% 12.07% 22.55% 29.73% 35.89% 34.92%
EPS 2 20.92 10.15 10.88 27.39 55.39 57.57 59.45
Free Cash Flow - - - - - - -
FCF margin - - - - - - -
FCF Conversion (EBITDA) - - - - - - -
FCF Conversion (Net income) - - - - - - -
Dividend per Share 2 19.72 - 2.680 2.680 42.71 41.31 42.96
Announcement Date 1/29/20 2/3/21 2/2/22 2/2/23 - - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2024 Q1
Net sales 1 2,502 2,987 3,556 6,460 2,354 3,515 3,746 3,878 7,602 4,062 4,152
EBITDA - - - - - - - - - - -
EBIT 1 804 1,839 2,251 4,007 1,188 2,586 2,480 2,808 5,288 2,874 2,799
Operating Margin 32.13% 61.55% 63.31% 62.03% 50.46% 73.57% 66.2% 72.42% 69.56% 70.75% 67.41%
Earnings before Tax (EBT) 1 447.9 1,426 1,047 2,473 531.2 1,349 1,656 1,556 3,212 2,124 2,097
Net income 1 193.6 959.5 656.9 1,616 279.4 903.3 1,192 1,130 2,322 1,529 1,565
Net margin 7.74% 32.12% 18.48% 25.02% 11.87% 25.7% 31.82% 29.15% 30.55% 37.63% 37.69%
EPS - - 6.430 - 2.730 8.840 - - - - -
Dividend per Share - - - - - - - - - - -
Announcement Date 2/2/22 4/26/22 7/28/22 7/28/22 10/26/22 2/2/23 4/25/23 7/26/23 7/26/23 10/25/23 4/30/24
1PLN in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2024 2025 2026
Net Debt - - - - - - -
Net Cash position - - - - - - -
Leverage (Debt/EBITDA) - - - - - - -
Free Cash Flow - - - - - - -
ROE (net income / shareholders' equity) 9.7% 4.4% 4.7% 12.1% 17.5% 17.6% 16.4%
ROA (Net income/ Total Assets) 1% 0.47% 0.5% 1.1% 1.65% 2% 1.9%
Assets 1 213,835 219,395 222,337 254,463 287,212 293,876 306,274
Book Value Per Share 2 264.0 280.0 266.0 295.0 331.0 349.0 382.0
Cash Flow per Share - - - - - - -
Capex - - - - - - -
Capex / Sales - - - - - - -
Announcement Date 1/29/20 2/3/21 2/2/22 2/2/23 - - -
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Santander Bank Polska S.A.

Trading Rating
Investor Rating
ESG Refinitiv
B
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
HOLD
Number of Analysts
8
Last Close Price
560.8 PLN
Average target price
530.4 PLN
Spread / Average Target
-5.43%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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