Bank Millennium S.A. Logo

Bank Millennium S.A.

MIL.WA

(2.0)
Stock Price

9,00 PLN

0.42% ROA

8.22% ROE

17.48x PER

Market Cap.

10.044.633.600,00 PLN

74.67% DER

0% Yield

7.17% NPM

Bank Millennium S.A. Stock Analysis

Bank Millennium 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.

Bank Millennium S.A. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (29%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity.

3 PBV

The stock's PBV ratio (1.47x) indicates a justifiable valuation, presenting a compelling choice for investors seeking reasonable returns.

4 Net Profit Growth

This company's net profit has consistently grown over the past three years, showcasing a positive financial trend and making it an appealing investment opportunity.

5 Assets Growth

This company's revenue has shown remarkable growth over the past three years, making it an excellent choice for seeking a consistently prosperous investment.

6 Buffet Intrinsic Value

Warren Buffett's formula suggests that the company's stock is undervalued (1.428), making it an appealing investment prospect with its intrinsic value surpassing the current market price.

7 ROE

The stock's ROE indicates a negative return (-6.92%) on shareholders' equity, suggesting poor financial performance.

8 ROA

The stock's ROA (-0.34%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

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

Investors should note the company's stagnant dividend growth over the past three years, indicating limited profitability and potentially diminishing returns.

11 Dividend

Investors should be cautious as the company hasn't distributed dividends in the last three years, possibly indicating financial challenges.

Bank Millennium 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.

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

Bank Millennium 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.

Bank Millennium S.A. Revenue
Year Revenue Growth
2005 1.519.861.000
2006 1.320.341.000 -15.11%
2007 1.741.071.000 24.17%
2008 1.719.826.000 -1.24%
2009 1.197.078.000 -43.67%
2010 1.771.661.000 32.43%
2011 1.950.904.000 9.19%
2012 1.990.864.000 2.01%
2013 2.060.081.000 3.36%
2014 2.291.398.000 10.1%
2015 2.231.385.000 -2.69%
2016 2.605.603.000 14.36%
2017 2.625.263.000 0.75%
2018 2.737.803.000 4.11%
2019 3.538.758.000 22.63%
2020 3.764.847.000 6.01%
2021 3.815.351.000 1.32%
2022 4.216.703.000 9.52%
2023 6.663.124.000 36.72%
2023 6.732.000.000 1.02%
2024 9.294.664.000 27.57%

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.

Bank Millennium S.A. Research and Development Expenses
Year Research and Development Expenses Growth
2005 0
2006 0 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.

Bank Millennium S.A. General and Administrative Expenses
Year General and Administrative Expenses Growth
2005 670.030.000
2006 795.736.000 15.8%
2007 969.897.000 17.96%
2008 1.119.171.000 13.34%
2009 942.707.000 -18.72%
2010 1.007.004.000 6.38%
2011 1.059.246.000 4.93%
2012 233.745.000 -353.16%
2013 212.162.000 -10.17%
2014 220.216.000 3.66%
2015 228.098.000 3.46%
2016 236.841.000 3.69%
2017 252.292.000 6.12%
2018 320.654.000 21.32%
2019 480.898.000 33.32%
2020 462.003.000 -4.09%
2021 431.962.000 -6.95%
2022 768.072.000 43.76%
2023 463.660.000 -65.65%
2023 518.532.000 10.58%
2024 377.924.000 -37.21%

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.

Bank Millennium S.A. EBITDA
Year EBITDA Growth
2005 1.512.087.000
2006 1.073.179.000 -40.9%
2007 1.511.069.000 28.98%
2008 2.102.231.000 28.12%
2009 1.856.600.000 -13.23%
2010 1.914.905.000 3.04%
2011 2.233.918.000 14.28%
2012 2.610.543.000 14.43%
2013 2.187.014.000 -19.37%
2014 2.022.885.000 -8.11%
2015 1.685.900.000 -19.99%
2016 1.779.626.000 5.27%
2017 1.680.664.000 -5.89%
2018 1.823.276.000 7.82%
2019 1.016.215.000 -79.42%
2020 421.346.000 -141.18%
2021 -799.348.000 152.71%
2022 1.140.773.000 170.07%
2023 1.335.972.000 14.61%
2023 1.000.000 -133497.2%
2024 -1.410.164.000 100.07%

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.

Bank Millennium S.A. Gross Profit
Year Gross Profit Growth
2005 1.519.861.000
2006 1.320.341.000 -15.11%
2007 1.741.071.000 24.17%
2008 1.719.826.000 -1.24%
2009 1.197.078.000 -43.67%
2010 1.771.661.000 32.43%
2011 1.950.904.000 9.19%
2012 1.990.864.000 2.01%
2013 2.060.081.000 3.36%
2014 2.291.398.000 10.1%
2015 2.231.385.000 -2.69%
2016 2.605.603.000 14.36%
2017 2.625.263.000 0.75%
2018 2.737.803.000 4.11%
2019 3.538.758.000 22.63%
2020 3.764.847.000 6.01%
2021 3.815.351.000 1.32%
2022 4.216.703.000 9.52%
2023 6.663.124.000 36.72%
2023 6.732.000.000 1.02%
2024 9.294.664.000 27.57%

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.

Bank Millennium S.A. Net Profit
Year Net Profit Growth
2005 567.054.000
2006 300.787.000 -88.52%
2007 461.595.000 34.84%
2008 413.409.000 -11.66%
2009 1.495.000 -27552.78%
2010 325.997.000 99.54%
2011 466.464.000 30.11%
2012 472.181.000 1.21%
2013 535.795.000 11.87%
2014 650.920.000 17.69%
2015 546.525.000 -19.1%
2016 701.252.000 22.06%
2017 681.227.000 -2.94%
2018 760.651.000 10.44%
2019 560.732.000 -35.65%
2020 22.817.000 -2357.52%
2021 -1.331.866.000 101.71%
2022 -1.014.566.000 -31.27%
2023 410.800.000 346.97%
2023 575.717.000 28.65%
2024 914.028.000 37.01%

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.

Bank Millennium S.A. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2005 1
2006 0 0%
2007 0 0%
2008 0 0%
2009 0 0%
2010 0 0%
2011 0 0%
2012 0 0%
2013 0 0%
2014 1 0%
2015 0 0%
2016 1 0%
2017 1 0%
2018 1 0%
2019 0 0%
2020 0 0%
2021 -1 100%
2022 -1 0%
2023 0 0%
2023 0 0%
2024 1 0%

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.

Bank Millennium S.A. Free Cashflow
Year Free Cashflow Growth
2005 340.477.000
2006 -4.993.549.000 106.82%
2007 -1.849.446.000 -170%
2008 591.449.000 412.7%
2009 1.753.511.000 66.27%
2010 -124.643.000 1506.83%
2011 593.263.000 121.01%
2012 3.829.505.000 84.51%
2013 2.937.258.000 -30.38%
2014 -530.163.000 654.03%
2015 4.355.785.000 112.17%
2016 2.845.148.000 -53.1%
2017 2.031.207.000 -40.07%
2018 4.209.184.000 51.74%
2019 -767.208.000 648.64%
2020 -3.211.546.000 76.11%
2021 2.692.832.000 219.26%
2022 9.837.914.000 72.63%
2023 7.339.384.000 -34.04%
2023 14.207.885.000 48.34%
2024 1.534.173.000 -826.09%

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.

Bank Millennium S.A. Operating Cashflow
Year Operating Cashflow Growth
2005 357.983.000
2006 -4.918.088.000 107.28%
2007 -1.754.882.000 -180.25%
2008 700.982.000 350.35%
2009 1.786.951.000 60.77%
2010 -91.456.000 2053.89%
2011 628.972.000 114.54%
2012 3.856.571.000 83.69%
2013 2.965.573.000 -30.04%
2014 -477.552.000 720.99%
2015 4.413.224.000 110.82%
2016 2.891.446.000 -52.63%
2017 2.106.858.000 -37.24%
2018 4.255.280.000 50.49%
2019 -570.674.000 845.66%
2020 -3.137.601.000 81.81%
2021 2.787.342.000 212.57%
2022 9.994.922.000 72.11%
2023 7.384.334.000 -35.35%
2023 14.395.773.000 48.7%
2024 1.589.912.000 -805.44%

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.

Bank Millennium S.A. Capital Expenditure
Year Capital Expenditure Growth
2005 17.506.000
2006 75.461.000 76.8%
2007 94.564.000 20.2%
2008 109.533.000 13.67%
2009 33.440.000 -227.55%
2010 33.187.000 -0.76%
2011 35.709.000 7.06%
2012 27.066.000 -31.93%
2013 28.315.000 4.41%
2014 52.611.000 46.18%
2015 57.439.000 8.41%
2016 46.298.000 -24.06%
2017 75.651.000 38.8%
2018 46.096.000 -64.12%
2019 196.534.000 76.55%
2020 73.945.000 -165.78%
2021 94.510.000 21.76%
2022 157.008.000 39.81%
2023 44.950.000 -249.29%
2023 187.888.000 76.08%
2024 55.739.000 -237.09%

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.

Bank Millennium S.A. Equity
Year Equity Growth
2005 2.390.823.000
2006 2.215.321.000 -7.92%
2007 2.519.932.000 12.09%
2008 2.814.883.000 10.48%
2009 2.787.336.000 -0.99%
2010 4.090.972.000 31.87%
2011 4.586.245.000 10.8%
2012 4.824.170.000 4.93%
2013 5.363.133.000 10.05%
2014 5.765.479.000 6.98%
2015 6.443.165.000 10.52%
2016 6.941.205.000 7.18%
2017 7.772.599.000 10.7%
2018 8.384.386.000 7.3%
2019 8.941.519.000 6.23%
2020 9.090.976.000 1.64%
2021 6.697.246.000 -35.74%
2022 5.494.406.000 -21.89%
2023 6.646.374.000 17.33%
2023 6.894.895.000 3.6%
2024 7.344.358.000 6.12%

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.

Bank Millennium S.A. Assets
Year Assets Growth
2005 22.151.139.000
2006 24.692.125.000 10.29%
2007 30.530.106.000 19.12%
2008 47.114.922.000 35.2%
2009 44.913.824.000 -4.9%
2010 46.984.418.000 4.41%
2011 50.838.099.000 7.58%
2012 52.742.499.000 3.61%
2013 57.016.715.000 7.5%
2014 60.740.482.000 6.13%
2015 66.235.256.000 8.3%
2016 68.792.787.000 3.72%
2017 71.141.415.000 3.3%
2018 80.458.914.000 11.58%
2019 98.055.942.000 17.95%
2020 97.771.785.000 -0.29%
2021 103.913.908.000 5.91%
2022 110.941.969.000 6.33%
2023 123.909.376.000 10.47%
2023 125.520.004.000 1.28%
2024 136.126.899.000 7.79%

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.

Bank Millennium S.A. Liabilities
Year Liabilities Growth
2005 19.760.316.000
2006 22.476.804.000 12.09%
2007 28.010.174.000 19.75%
2008 44.300.039.000 36.77%
2009 42.126.488.000 -5.16%
2010 42.893.446.000 1.79%
2011 46.251.854.000 7.26%
2012 47.918.329.000 3.48%
2013 51.653.582.000 7.23%
2014 54.975.003.000 6.04%
2015 59.792.091.000 8.06%
2016 61.851.582.000 3.33%
2017 63.368.816.000 2.39%
2018 72.074.528.000 12.08%
2019 89.114.423.000 19.12%
2020 88.680.809.000 -0.49%
2021 97.216.662.000 8.78%
2022 105.447.563.000 7.81%
2023 117.263.002.000 10.08%
2023 118.625.109.000 1.15%
2024 128.782.541.000 7.89%

Bank Millennium S.A. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
6.61
Net Income per Share
0.47
Price to Earning Ratio
17.48x
Price To Sales Ratio
1.25x
POCF Ratio
0.89
PFCF Ratio
0.91
Price to Book Ratio
1.37
EV to Sales
1.15
EV Over EBITDA
283.5
EV to Operating CashFlow
0.81
EV to FreeCashFlow
0.83
Earnings Yield
0.06
FreeCashFlow Yield
1.1
Market Cap
10,04 Bil.
Enterprise Value
9,19 Bil.
Graham Number
8.03
Graham NetNet
-103.62

Income Statement Metrics

Net Income per Share
0.47
Income Quality
19.63
ROE
0.08
Return On Assets
0
Return On Capital Employed
0.04
Net Income per EBT
0.73
EBT Per Ebit
0.34
Ebit per Revenue
0.29
Effective Tax Rate
0.27

Margins

Sales, General, & Administrative to Revenue
0.06
Research & Developement to Revenue
0
Stock Based Compensation to Revenue
0
Gross Profit Margin
1
Operating Profit Margin
0.29
Pretax Profit Margin
0.1
Net Profit Margin
0.07

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
9.3
Free CashFlow per Share
9.12
Capex to Operating CashFlow
0.02
Capex to Revenue
0.03
Capex to Depreciation
0.98
Return on Invested Capital
0.13
Return on Tangible Assets
0
Days Sales Outstanding
31.81
Days Payables Outstanding
0
Days of Inventory on Hand
0
Receivables Turnover
11.47
Payables Turnover
0
Inventory Turnover
0
Capex per Share
0.17

Balance Sheet

Cash per Share
4,80
Book Value per Share
6,05
Tangible Book Value per Share
5.63
Shareholders Equity per Share
6.05
Interest Debt per Share
7.2
Debt to Equity
0.75
Debt to Assets
0.04
Net Debt to EBITDA
-26.52
Current Ratio
0.11
Tangible Asset Value
6,83 Bil.
Net Current Asset Value
-120,95 Bil.
Invested Capital
-64245035000
Working Capital
-65,30 Bil.
Intangibles to Total Assets
0
Average Receivables
0,68 Bil.
Average Payables
0,39 Bil.
Average Inventory
-6059109000
Debt to Market Cap
0.55

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.

Bank Millennium S.A. Dividends
Year Dividends Growth
2000 0
2005 0 0%
2006 1 0%
2007 0 0%
2008 0 0%
2011 0 0%
2014 0 0%

Bank Millennium S.A. Profile

About Bank Millennium S.A.

Bank Millennium S.A. provides various banking products and services in Poland. It operates through Retail Customer; Corporate Customer; FX Mortgage Loans; and Treasury, Assets and Liabilities Management and Other segments. The company offers current accounts; saving products; renewable, cash loans, loans secured with assets accumulated in the Bank, and loans for purchase of securities, as well as mortgage loans; brokerage services; investment funds and solutions; payment cards; letter of credit; bank guarantee and document collection services; factoring; trade finance; foreign currency exchange services; custody services; pension schemes; overdraft; life and non-life insurance; and custodial services. It also provides leasing and financing services for cars and vans, machinery and equipment industries, road, rail, water, and air, as well as real estate properties; and internet, ATM, transactional, and mobile banking services. The company serves its services to individual customers on the mass market, affluent customers, and sole traders, as well as services to small companies, medium and large companies, and public sector entities. It operates 655 branches. The company was formerly known as BIG Bank GDANSKI SA and changed its name to Bank Millennium S.A. in January 2003. Bank Millennium S.A. was founded in 1989 and is headquartered in Warsaw, Poland. Bank Millennium S.A. operates as a subsidiary of Banco Comercial Português, S.A.

CEO
Mr. Joao Nuno Lima Bras Jorge
Employee
6.710
Address
Stanislawa Zaryna 2A
Warsaw, 02-593

Bank Millennium S.A. Executives & BODs

Bank Millennium S.A. Executives & BODs
# Name Age
1 Mr. Dariusz Rosati
Deputy Chairman & Secretary of the Supervisory Board
70
2 Mr. Wojciech Rybak
Member of Management Board
70
3 Mr. Jaroslaw Hermann
Member of Management Board
70
4 Dariusz Górski
Head of Investor Relations Department
70
5 Mr. Tomasz Tomasiak
Head of the Structured Finance Department
70
6 Mr. Joao Nuno Lima Bras Jorge
Chairman of the Management Board
70
7 Mr. Fernando Maria Cardoso Rodrigues Bicho
Deputy Chairman of the Management Board & Chief Financial Officer
70
8 Mr. Wojciech Haase
Member of Management Board
70
9 Mr. Andrzej Glinski
Member of Management Board
70
10 Mr. Antonio Ferreira Pinto Jr.
Member of Management Board
70

Bank Millennium S.A. Competitors