ING Bank Slaski S.A. Logo

ING Bank Slaski S.A.

ING.WA

(2.5)
Stock Price

252,50 PLN

1.76% ROA

27.64% ROE

7.68x PER

Market Cap.

33.695.900.000,00 PLN

125.54% DER

12.88% Yield

33.16% NPM

ING Bank Slaski S.A. Stock Analysis

ING Bank Slaski S.A. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

ING Bank Slaski S.A. Fundamental Stock Analysis
# Analysis Rating
1 ROE

ROE surpassing expectations (26.11%) highlights strong profitability and efficient use of shareholders' equity, making it an appealing investment prospect.

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 Assets Growth

This company's revenue has experienced steady growth over the last five years, indicating a reliable and prosperous financial trajectory.

4 ROA

The stock's ROA (1.18%) indicates that it's doing well in making money from the things it owns. This makes it a good option to invest and make consistent profits.

5 PBV

The stock's PBV ratio (2.4x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

6 DER

The stock has a reasonable amount of debt compared to its ownership (64%), suggesting a balanced financial position and a moderate level of risk.

7 Buffet Intrinsic Value

The company's stock seems undervalued (991) by Warren Buffett's formula, indicating a promising investment opportunity as its intrinsic value exceeds the market price.

8 Net Profit Growth

Despite the passage of five years, this company's net profit has not shown any improvement, highlighting a lack of growth and making it a less appealing investment prospect.

9 Graham Number

The Graham number calculation reveals that this company's stock price is potentially inflated, implying that it may not be a desirable investment option.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

No dividends from the company in the past three years raises doubts about its profitability for shareholders.

ING Bank Slaski S.A. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

ING Bank Slaski S.A. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Hold
2 MACD Sell
3 RSI Hold
4 Stoch RSI Hold

ING Bank Slaski S.A. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

ING Bank Slaski S.A. Revenue
Year Revenue Growth
2006 1.813.687.000
2007 2.026.073.000 10.48%
2008 2.087.312.000 2.93%
2009 2.480.202.000 15.84%
2010 2.690.453.000 7.81%
2011 2.740.800.000 1.84%
2012 3.170.300.000 13.55%
2013 3.252.500.000 2.53%
2014 3.499.300.000 7.05%
2015 3.757.200.000 6.86%
2016 4.311.100.000 12.85%
2017 4.742.100.000 9.09%
2018 5.239.700.000 9.5%
2019 5.810.100.000 9.82%
2020 6.233.000.000 6.78%
2021 6.877.500.000 9.37%
2022 7.707.600.000 10.77%
2023 10.646.400.000 27.6%
2023 15.464.000.000 31.15%
2024 15.646.400.000 1.17%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

ING Bank Slaski S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2006 0
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 0 0%
2015 0 0%
2016 0 0%
2017 0 0%
2018 0 0%
2019 0 0%
2020 0 0%
2021 0 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

ING Bank Slaski S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2006 1.092.446.000
2007 1.377.292.000 20.68%
2008 1.506.880.000 8.6%
2009 1.487.756.000 -1.29%
2010 1.582.920.000 6.01%
2011 688.100.000 -130.04%
2012 439.100.000 -56.71%
2013 388.200.000 -13.11%
2014 506.500.000 23.36%
2015 465.600.000 -8.78%
2016 449.000.000 -3.7%
2017 505.000.000 11.09%
2018 598.900.000 15.68%
2019 404.900.000 -47.91%
2020 454.600.000 10.93%
2021 524.100.000 13.26%
2022 1.082.100.000 51.57%
2023 1.083.600.000 0.14%
2023 226.100.000 -379.26%
2024 1.234.800.000 81.69%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

ING Bank Slaski S.A. EBITDA
Year EBITDA Growth
2006 1.961.872.000
2007 2.374.628.000 17.38%
2008 2.942.945.000 19.31%
2009 2.536.918.000 -16%
2010 2.376.268.000 -6.76%
2011 2.784.200.000 14.65%
2012 2.946.800.000 5.52%
2013 2.929.000.000 -0.61%
2014 2.916.700.000 -0.42%
2015 2.740.900.000 -6.41%
2016 2.824.500.000 2.96%
2017 2.914.000.000 3.07%
2018 3.141.000.000 7.23%
2019 2.534.600.000 -23.92%
2020 2.205.900.000 -14.9%
2021 3.301.600.000 33.19%
2022 5.180.300.000 36.27%
2023 6.261.600.000 17.27%
2023 356.900.000 -1654.44%
2024 32.000.000 -1015.31%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

ING Bank Slaski S.A. Gross Profit
Year Gross Profit Growth
2006 1.813.687.000
2007 2.026.073.000 10.48%
2008 2.087.312.000 2.93%
2009 2.480.202.000 15.84%
2010 2.690.453.000 7.81%
2011 2.740.800.000 1.84%
2012 3.170.300.000 13.55%
2013 3.252.500.000 2.53%
2014 3.499.300.000 7.05%
2015 3.757.200.000 6.86%
2016 4.311.100.000 12.85%
2017 4.742.100.000 9.09%
2018 5.239.700.000 9.5%
2019 5.810.100.000 9.82%
2020 6.233.000.000 6.78%
2021 6.877.500.000 9.37%
2022 7.707.600.000 10.77%
2023 10.646.400.000 27.6%
2023 15.464.000.000 31.15%
2024 9.502.000.000 -62.74%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

ING Bank Slaski S.A. Net Profit
Year Net Profit Growth
2006 597.951.000
2007 636.822.000 6.1%
2008 445.418.000 -42.97%
2009 595.066.000 25.15%
2010 753.139.000 20.99%
2011 880.100.000 14.43%
2012 832.300.000 -5.74%
2013 961.500.000 13.44%
2014 1.040.700.000 7.61%
2015 1.127.000.000 7.66%
2016 1.253.000.000 10.06%
2017 1.403.100.000 10.7%
2018 1.525.900.000 8.05%
2019 1.658.700.000 8.01%
2020 1.337.600.000 -24.01%
2021 2.308.300.000 42.05%
2022 1.714.400.000 -34.64%
2023 4.648.000.000 63.12%
2023 4.440.900.000 -4.66%
2024 3.858.800.000 -15.09%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

ING Bank Slaski S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2006 5
2007 5 0%
2008 3 -33.33%
2009 5 25%
2010 6 20%
2011 7 16.67%
2012 6 0%
2013 7 14.29%
2014 8 12.5%
2015 9 0%
2016 10 11.11%
2017 11 10%
2018 12 9.09%
2019 13 8.33%
2020 10 -20%
2021 18 41.18%
2022 13 -30.77%
2023 36 62.86%
2023 34 -2.94%
2024 30 -17.24%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

ING Bank Slaski S.A. Free Cashflow
Year Free Cashflow Growth
2006 3.505.614.000
2007 -2.986.868.000 217.37%
2008 -596.050.000 -401.11%
2009 -1.506.821.000 60.44%
2010 -1.442.666.000 -4.45%
2011 -2.130.600.000 32.29%
2012 -1.721.100.000 -23.79%
2013 2.908.700.000 159.17%
2014 -1.135.500.000 356.16%
2015 -55.500.000 -1945.95%
2016 -524.400.000 89.42%
2017 5.409.200.000 109.69%
2018 -3.456.500.000 256.49%
2019 -429.400.000 -704.96%
2020 19.248.600.000 102.23%
2021 314.100.000 -6028.18%
2022 2.686.900.000 88.31%
2023 -2.660.600.000 200.99%
2023 3.421.600.000 177.76%
2024 -257.200.000 1430.33%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

ING Bank Slaski S.A. Operating Cashflow
Year Operating Cashflow Growth
2006 3.597.191.000
2007 -2.854.474.000 226.02%
2008 -445.684.000 -540.47%
2009 -1.362.946.000 67.3%
2010 -1.290.434.000 -5.62%
2011 -1.914.500.000 32.6%
2012 -1.540.900.000 -24.25%
2013 3.063.500.000 150.3%
2014 -925.300.000 431.08%
2015 211.300.000 537.91%
2016 -333.400.000 163.38%
2017 5.578.200.000 105.98%
2018 -3.225.900.000 272.92%
2019 -235.400.000 -1270.39%
2020 19.413.700.000 101.21%
2021 437.000.000 -4342.49%
2022 2.955.100.000 85.21%
2023 -2.342.000.000 226.18%
2023 3.481.800.000 167.26%
2024 -215.300.000 1717.19%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

ING Bank Slaski S.A. Capital Expenditure
Year Capital Expenditure Growth
2006 91.577.000
2007 132.394.000 30.83%
2008 150.366.000 11.95%
2009 143.875.000 -4.51%
2010 152.232.000 5.49%
2011 216.100.000 29.55%
2012 180.200.000 -19.92%
2013 154.800.000 -16.41%
2014 210.200.000 26.36%
2015 266.800.000 21.21%
2016 191.000.000 -39.69%
2017 169.000.000 -13.02%
2018 230.600.000 26.71%
2019 194.000.000 -18.87%
2020 165.100.000 -17.5%
2021 122.900.000 -34.34%
2022 268.200.000 54.18%
2023 318.600.000 15.82%
2023 60.200.000 -429.24%
2024 41.900.000 -43.68%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

ING Bank Slaski S.A. Equity
Year Equity Growth
2006 3.778.393.000
2007 3.840.502.000 1.62%
2008 4.224.429.000 9.09%
2009 4.886.711.000 13.55%
2010 5.653.105.000 13.56%
2011 6.416.000.000 11.89%
2012 8.136.100.000 21.14%
2013 8.628.600.000 5.71%
2014 10.456.600.000 17.48%
2015 10.680.500.000 2.1%
2016 10.477.200.000 -1.94%
2017 11.794.800.000 11.17%
2018 13.336.300.000 11.56%
2019 15.223.300.000 12.4%
2020 18.618.300.000 18.23%
2021 13.531.400.000 -37.59%
2022 9.344.300.000 -44.81%
2023 15.182.400.000 38.45%
2023 16.736.000.000 9.28%
2024 14.173.600.000 -18.08%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

ING Bank Slaski S.A. Assets
Year Assets Growth
2006 48.466.705.000
2007 52.010.860.000 6.81%
2008 69.610.475.000 25.28%
2009 59.883.456.000 -16.24%
2010 64.517.528.000 7.18%
2011 69.723.400.000 7.47%
2012 78.266.800.000 10.92%
2013 86.750.600.000 9.78%
2014 99.860.700.000 13.13%
2015 108.893.100.000 8.29%
2016 117.477.700.000 7.31%
2017 126.013.900.000 6.77%
2018 141.589.600.000 11%
2019 158.610.700.000 10.73%
2020 186.595.700.000 15%
2021 201.654.200.000 7.47%
2022 217.266.100.000 7.19%
2023 232.840.200.000 6.69%
2023 245.361.400.000 5.1%
2024 249.278.500.000 1.57%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

ING Bank Slaski S.A. Liabilities
Year Liabilities Growth
2006 44.688.312.000
2007 48.170.358.000 7.23%
2008 65.386.046.000 26.33%
2009 54.996.745.000 -18.89%
2010 58.864.423.000 6.57%
2011 63.307.400.000 7.02%
2012 70.130.700.000 9.73%
2013 78.122.000.000 10.23%
2014 89.404.100.000 12.62%
2015 98.212.600.000 8.97%
2016 107.000.500.000 8.21%
2017 114.219.100.000 6.32%
2018 128.253.300.000 10.94%
2019 143.387.400.000 10.55%
2020 167.977.400.000 14.64%
2021 188.122.800.000 10.71%
2022 207.921.800.000 9.52%
2023 217.657.800.000 4.47%
2023 228.625.400.000 4.8%
2024 235.104.900.000 2.76%

ING Bank Slaski S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
101.73
Net Income per Share
33.73
Price to Earning Ratio
7.68x
Price To Sales Ratio
2.54x
POCF Ratio
13.71
PFCF Ratio
15.33
Price to Book Ratio
2.38
EV to Sales
3.64
EV Over EBITDA
15.73
EV to Operating CashFlow
19.59
EV to FreeCashFlow
21.9
Earnings Yield
0.13
FreeCashFlow Yield
0.07
Market Cap
33,70 Bil.
Enterprise Value
48,16 Bil.
Graham Number
287.49
Graham NetNet
-1802.98

Income Statement Metrics

Net Income per Share
33.73
Income Quality
0.56
ROE
0.28
Return On Assets
0.02
Return On Capital Employed
0.06
Net Income per EBT
0.79
EBT Per Ebit
1.39
Ebit per Revenue
0.3
Effective Tax Rate
0.22

Margins

Sales, General, & Administrative to Revenue
0.04
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
0.88
Operating Profit Margin
0.3
Pretax Profit Margin
0.42
Net Profit Margin
0.33

Dividends

Dividend Yield
0.13
Dividend Yield %
12.88
Payout Ratio
0.99
Dividend Per Share
33.35

Operating Metrics

Operating Cashflow per Share
18.89
Free CashFlow per Share
16.89
Capex to Operating CashFlow
0.11
Capex to Revenue
0.02
Capex to Depreciation
0.76
Return on Invested Capital
0.1
Return on Tangible Assets
0.02
Days Sales Outstanding
222.01
Days Payables Outstanding
30.13
Days of Inventory on Hand
-1161.96
Receivables Turnover
1.64
Payables Turnover
12.11
Inventory Turnover
-0.31
Capex per Share
2

Balance Sheet

Cash per Share
-24,31
Book Value per Share
108,89
Tangible Book Value per Share
105.09
Shareholders Equity per Share
108.89
Interest Debt per Share
161.77
Debt to Equity
1.26
Debt to Assets
0.07
Net Debt to EBITDA
4.72
Current Ratio
0.14
Tangible Asset Value
13,68 Bil.
Net Current Asset Value
-209,59 Bil.
Invested Capital
-156078700000
Working Capital
-157,59 Bil.
Intangibles to Total Assets
0
Average Receivables
7,91 Bil.
Average Payables
0,20 Bil.
Average Inventory
-15470800000
Debt to Market Cap
0.53

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

ING Bank Slaski S.A. Dividends
Year Dividends Growth
2000 4
2001 3 -33.33%
2002 2 -200%
2003 2 50%
2004 1 0%
2005 21 100%
2006 28 25.93%
2007 28 0%
2008 12 -145.45%
2011 15 26.67%
2012 2 -650%
2014 4 50%
2015 4 0%
2016 4 0%
2018 3 -33.33%
2019 4 0%
2020 4 0%
2021 5 40%
2022 5 0%
2024 33 84.85%

ING Bank Slaski S.A. Profile

About ING Bank Slaski S.A.

ING Bank Slaski S.A., together with its subsidiaries, provides various banking products and services in Poland. The company operates in two segments, Retail Banking and Corporate Banking. The Retail Banking segment offers various credit products, such as overdraft facilities, loans related to cards, installment loans, and mortgage loans; deposit products, including current accounts, term deposits, and savings accounts; structured products; ING fund units; brokerage services; and bank cards to individual customers. The Corporate Banking segment provides deposit products, such as current accounts, term deposits and negotiated deposits, and savings accounts; loan products, including working and investment loans; and financial markets products, trust services, and capital market operations to institutional clients and individual entrepreneurs. It is also involved in operation and leasing of real estate properties; and the provision of financial intermediary and advisory services. In addition, the company offers leasing and factoring; accountancy and payroll services; education and promotion for the financial market and TURBO certificates; and holiday and training courses. It operates 312 branches. The company was founded in 1989 and is headquartered in Katowice, Poland. ING Bank Slaski S.A. is a subsidiary of ING Bank NV.

CEO
Mr. Brunon Cezary Bartkiewicz
Employee
8.242
Address
Sokolska Str. 34
Katowice, 40-086

ING Bank Slaski S.A. Executives & BODs

ING Bank Slaski S.A. Executives & BODs
# Name Age
1 Ms. Alicja Zyla
Vice President of the Management Board
70
2 Jolanta Alvarado Rodriguez
Director of Accounting Department & Chief Accountant
70
3 Mr. Michal H. Mrozek
Vice President of Management Board
70
4 Mr. Brunon Cezary Bartkiewicz Mec
President of the Management Board & Chief Executive Officer
70
5 Mr. Marcin Gizycki
Vice-President of the Management Board
70
6 Mr. Slawomir Soszynski
Vice-President of the Management Board
70
7 Ms. Ewa Luniewska
Vice President of Management Board
70
8 Ms. Iza Rokicka
Investor Relations Bureau Director
70
9 Ms. Joanna Erdman
Vice President of the Management Board & Chief Risk Officer
70
10 Ms. Bozena Graczyk
Vice President of the Management Board & Chief Financial Officer
70

ING Bank Slaski S.A. Competitors