(BHW) Bank Handlowy w Warszawie - Ratings and Ratios
Banking Services, Credit, Deposit, Investment, Asset Management
BHW EPS (Earnings per Share)
BHW Revenue
Description: BHW Bank Handlowy w Warszawie
Bank Handlowy w Warszawie SA is a Polish bank offering a range of banking services to individual and corporate clients. The bank operates through two main segments: Institutional Bank and Consumer Bank, providing services such as credit and deposit activities, cash management, trade financing, and investment banking.
The Institutional Bank segment caters to business entities, local government units, and the public sector, offering services like treasury products, brokerage, and custody services in securities. The Consumer Bank segment serves individuals, micro-enterprises, and individual entrepreneurs, providing bank accounts, credit, deposits, and asset management services. With a history dating back to 1870, the bank is headquartered in Warsaw, Poland, and operates as a subsidiary of Citibank Europe PLC.
From a financial perspective, Bank Handlowy w Warszawie SA has a market capitalization of approximately 14.6 billion PLN. The banks Return on Equity (RoE) stands at 17.76%, indicating a relatively strong profitability. The Price-to-Earnings (P/E) ratio is 8.41, suggesting that the stock may be undervalued compared to its earnings. To further evaluate the banks performance, other key metrics such as the Net Interest Margin (NIM), Cost-to-Income ratio, and Loan-to-Deposit ratio could be analyzed.
Additional KPIs that could provide insight into the banks performance include the Return on Assets (RoA), Efficiency Ratio, and Capital Adequacy Ratio. These metrics can help assess the banks asset utilization, operational efficiency, and capital strength. By examining these indicators, a more comprehensive understanding of Bank Handlowy w Warszawie SAs financial health and growth prospects can be gained.
BHW Stock Overview
| Market Cap in USD | 3,824m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
BHW Stock Ratings
| Growth Rating | 92.8% |
| Fundamental | 60.1% |
| Dividend Rating | 88.1% |
| Return 12m vs S&P 500 | 6.04% |
| Analyst Rating | - |
BHW Dividends
| Dividend Yield 12m | 9.93% |
| Yield on Cost 5y | 42.38% |
| Annual Growth 5y | 74.59% |
| Payout Consistency | 78.3% |
| Payout Ratio | 88.8% |
BHW Growth Ratios
| Growth Correlation 3m | -22% |
| Growth Correlation 12m | 85.9% |
| Growth Correlation 5y | 97.5% |
| CAGR 5y | 33.02% |
| CAGR/Max DD 3y | 1.76 |
| CAGR/Mean DD 3y | 8.00 |
| Sharpe Ratio 12m | 1.48 |
| Alpha | 7.69 |
| Beta | 0.852 |
| Volatility | 25.80% |
| Current Volume | 15.8k |
| Average Volume 20d | 27.6k |
| Stop Loss | 103.4 (-3%) |
| Signal | 0.29 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (1.51b TTM) > 0 and > 6% of Revenue (6% = 253.5m TTM) |
| FCFTA 0.13 (>2.0%) and ΔFCFTA 23.41pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.13 (>3.0%) and CFO 11.22b > Net Income 1.51b (YES >=105%, WARN >=100%) |
| error: Net Debt/EBITDA cannot be calculated |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (130.5m) change vs 12m ago 0.00% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 100.0%; Δ 0.0pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.37% (prev 5.56%; Δ -0.19pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.27 (EBITDA TTM 2.71b / Interest Expense TTM 1.19b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 60.13
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield data missing |
| 3. FCF Margin data missing |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC 19.37% = 12.50 |
| 7. RoE 15.42% = 1.28 |
| 8. Rev. Trend -1.64% = -0.12 |
| 9. EPS Trend -40.71% = -2.04 |
What is the price of BHW shares?
Over the past week, the price has changed by +0.38%, over one month by -3.62%, over three months by +1.90% and over the past year by +26.07%.
Is Bank Handlowy w Warszawie a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of BHW is around 139.61 PLN . This means that BHW is currently undervalued and has a potential upside of +30.97% (Margin of Safety).
Is BHW a buy, sell or hold?
What are the forecasts/targets for the BHW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 119 | 11.6% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 156.6 | 46.9% |
BHW Fundamental Data Overview
Market Cap PLN = 13.81b (13.81b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 11.18b PLN (Cash only, last quarter)
P/E Trailing = 7.628
P/S = 3.0542
P/B = 1.4947
Beta = 0.737
Revenue TTM = 4.22b PLN
EBIT TTM = 2.71b PLN
EBITDA TTM = 2.71b PLN
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = unknown
Enterprise Value = 2.63b PLN (13.81b + (null Debt) - CCE 11.18b)
Interest Coverage Ratio = 2.27 (Ebit TTM 2.71b / Interest Expense TTM 1.19b)
FCF Yield = 421.1% (FCF TTM 11.07b / Enterprise Value 2.63b)
FCF Margin = 262.2% (FCF TTM 11.07b / Revenue TTM 4.22b)
Net Margin = 35.81% (Net Income TTM 1.51b / Revenue TTM 4.22b)
Gross Margin = unknown ((Revenue TTM 4.22b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 4.46 (Enterprise Value 2.63b / Book Value Of Equity 589.4m)
Interest Expense / Debt = unknown (Interest Expense 288.8m / Debt none)
Taxrate = 23.97% (555.0m / 2.32b)
NOPAT = 2.06b (EBIT 2.71b * (1 - 23.97%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = unknown Debt (none)
Debt / EBITDA = unknown (Net Debt none / EBITDA 2.71b)
Debt / FCF = none (Debt none / FCF TTM 11.07b)
Total Stockholder Equity = 9.81b (last 4 quarters mean)
RoA = 1.79% (Net Income 1.51b, Total Assets 84.30b )
RoE = 15.42% (Net Income TTM 1.51b / Total Stockholder Equity 9.81b)
RoCE = unknown (Ebit 2.71b / (Equity 9.81b + L.T.Debt none))
RoIC = 19.37% (NOPAT 2.06b / Invested Capital 10.62b)
WACC = unknown (E(13.81b)/V(0.0) * Re(9.15%)) + (D(none)/V(0.0) * Rd(none%) * (1-Tc(0.24)))
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Discount Rate = 9.15% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 65.61% ; FCFE base≈11.07b ; Y1≈7.27b ; Y5≈3.33b
Fair Price DCF = 419.8 (DCF Value 54.78b / Shares Outstanding 130.5m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: -40.71 | EPS CAGR: -17.77% | SUE: N/A | # QB: N/A
Revenue Correlation: -1.64 | Revenue CAGR: 3.16%