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Santander Bank Polska

WSE:SPL · PLBZ00000044
BanksMedium

360

49
Profit price53
Cash yield93
Price/Sales54
EV / Gross Profit63
Price/Book38
Returns on capital93
Profit margins—
Cash Conversion60
Accruals42
Owner Earnings Margin44
Sales growth30
Profit Growth67
Owner Earnings Growth52
Reinvestment14
Price momentum56
Debt load62
Debt serviceability41
Liquidity91
Analyst ratings37
Opinion Changes63
Price Target Upside30
Market mood81
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Santander Bank Polska generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountrySpain
IndustryBanks
SizeMedium
TypePublic Company
ExchangeWSE
Founded2001
Employees5,486
Websitesantander.pl
ISINPLBZ00000044
Last UpdateApr 2, 2026
Indices
WIG 20 (Poland)
Themes
BankingFinanceFinancial Services

Description

Analysis

Quality compounder

Erste Bank Polska S.A. earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 11.2×; owner earnings: the cash an owner could take out each year.

Growth is tepid; the safety picture is adequate. The company scores 17/20 on our value-creation score: strong value creator. Analyst sentiment is cautious.

No flags apply to this company at this time: accounts, balance sheet, and cash quality all pass. A clean bill of health is meaningful, not just the absence of a warning. This analysis describes numbers; it is not investment advice.

360° rank · history

1007550250
81
2023202420252026

All-time high

81

Jun 2026

All-time low

8

Jan 2025

Average rank

51

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
54
21
7
14
Price/Earnings
67
23
5
3
Price/Book
38
14
10
10
Dividend Yield
93
91
34
27
Value (overall)
72
43
11
1

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →