BNP Paribas Bank Polska SA

BNP Paribas Bank Polska SA has a liquidity ratio of 0.92, indicating that its total liabilities exceed its equity, which may pose a liquidity risk. The company's return on equity is 4.58%, and its return on assets is 0.39%, both of which are below the industry median for banks, suggesting lower profitability relative to its peers.

The company's capital structure is heavily leveraged, with a debt-to-equity ratio of 0.92. This indicates that the company relies more on debt financing than equity, which could increase its financial risk during periods of economic downturn. The operating cash flow of 4,667,754,000 PLN supports its operations, but the free cash flow of 655,714,000 PLN is relatively modest, limiting its ability to reinvest or return capital to shareholders.

The company's revenue is concentrated in Poland, with no disclosed international operations. This geographic concentration may expose the company to local economic and regulatory risks. The absence of detailed segment reporting limits the ability to assess the performance of different business lines.

Looking ahead, the company's revenue is expected to grow, but the exact rate is not specified. The capital expenditure of -210,251,000 PLN suggests that the company is not investing heavily in new assets, which may affect its long-term growth potential. The company's liquidity risk is rated as medium, and its dilution risk is low, indicating that it is unlikely to issue additional shares in the near term.

Recent events, such as regulatory changes and economic conditions in Poland, may impact the company's performance. However, no specific recent filings or transcripts are available to provide further insight into the company's strategic direction or operational challenges.

Net income surged 29.7% year-over-year to PLN 3.06 billion, demonstrating strong profitability growth momentum.

The company achieved a 104.1% net income CAGR over four years, significantly outpacing revenue growth.

Cash conversion ratio of 7.49 is best-in-class compared to the cohort median of 1.15.

Analysts maintain a buy recommendation with a mean price target implying 2.8% upside.

Return on equity of 4.6% lags the banking cohort median of 6.2%, indicating lower capital efficiency.

Return on assets of 0.4% remains low, suggesting limited profitability relative to the total asset base.

Debt-to-equity ratio of 0.92 exceeds the cohort median of 0.29, reflecting higher financial leverage.

Revenue growth slowed to 2.6% year-over-year, indicating decelerating top-line expansion compared to historical trends.

The company faces medium liquidity risk, which could constrain operational flexibility during market stress.

Revenue PLN 1.45B, −3,2% YoY; Net income −49,4% YoY.

• ▍Revenue PLN 1.45B, −3,2% YoY
• ▍Net income −49,4% YoY
• ▍Free cash flow −42,0% YoY
• ▍Net margin 26.0%

Revenue PLN 1.47B, −4,7% YoY; Net income +74,2% YoY.

• ▍Revenue PLN 1.47B, −4,7% YoY
• ▍Net income +74,2% YoY
• ▍Free cash flow +67,7% YoY
• ▍Net margin 60.4%

Revenue PLN 1.46B, −7,8% YoY; Net income +9,4% YoY.

• ▍Revenue PLN 1.46B, −7,8% YoY
• ▍Net income +9,4% YoY
• ▍Free cash flow +9,6% YoY
• ▍Net margin 47.7%

Revenue PLN 1.47B, +20,8% YoY; Net income +17,8% YoY.

• ▍Revenue PLN 1.47B, +20,8% YoY
• ▍Net income +17,8% YoY
• ▍Free cash flow +16,3% YoY
• ▍Net margin 49.8%

Revenue PLN 1.49B; Net margin 49.6%.

• ▍Revenue PLN 1.49B
• ▍Net margin 49.6%

Revenue PLN 1.54B; Net margin 33.1%.

• ▍Revenue PLN 1.54B
• ▍Net margin 33.1%

Revenue PLN 1.58B; Net margin 40.2%.

• ▍Revenue PLN 1.58B
• ▍Net margin 40.2%

Revenue PLN 1.22B; Net margin 51.1%.

• ▍Revenue PLN 1.22B
• ▍Net margin 51.1%

Revenue PLN 5.89B, +2,6% YoY; Net income +29,7% YoY.

• ▍Revenue PLN 5.89B, +2,6% YoY
• ▍Net income +29,7% YoY
• ▍Free cash flow +2,8% YoY
• ▍Net margin 51.9%

Revenue PLN 5.74B, +9,9% YoY; Net income +132,9% YoY.

• ▍Revenue PLN 5.74B, +9,9% YoY
• ▍Net income +132,9% YoY
• ▍Free cash flow +86,0% YoY
• ▍Net margin 41.1%

Revenue PLN 5.23B, +49,6% YoY; Net income +129,3% YoY.

• ▍Revenue PLN 5.23B, +49,6% YoY
• ▍Net income +129,3% YoY
• ▍Free cash flow +98,7% YoY
• ▍Net margin 19.4%

Revenue PLN 3.49B, +11,2% YoY; Net income +150,4% YoY.

• ▍Revenue PLN 3.49B, +11,2% YoY
• ▍Net income +150,4% YoY
• ▍Free cash flow +120,7% YoY
• ▍Net margin 12.6%