(SPL) Santander Bank Polska - Ratings and Ratios
Banking, Loans, Mortgages, Investments, Insurance, Services
Description: SPL Santander Bank Polska
Santander Bank Polska S.A. is a Polish banking institution offering a wide range of financial products and services to individuals, small and medium-sized enterprises, corporate clients, and public sector institutions. The banks diverse portfolio includes personal and savings accounts, term deposits, currencies, internet and mobile banking, contactless payments, debit and credit solutions, consumer loans, home mortgages, mutual funds, investment programs, and various insurance products.
As a subsidiary of Banco Santander, S.A., Santander Bank Polska S.A. leverages its parent companys global expertise and resources to provide comprehensive financial solutions. With a strong presence in Poland, the bank has established itself as a major player in the countrys banking sector. Key performance indicators (KPIs) such as Return on Equity (RoE) of 16.76% and a forward Price-to-Earnings (P/E) ratio of 11.19 suggest a relatively strong financial position and growth prospects.
Further analysis of the banks financial health reveals a market capitalization of 52.1 billion PLN, indicating a significant presence in the Polish equity market. The banks diversified product offerings and robust financials position it for continued growth and stability in the region. With a GICS sub-industry classification of Regional Banks, Santander Bank Polska S.A. is well-positioned to capitalize on emerging opportunities in the Polish banking sector.
Additional Sources for SPL Stock
SPL Stock Overview
Market Cap in USD | 15,061m |
Sector | Financial Services |
Industry | Banks - Regional |
GiC Sub-Industry | Regional Banks |
IPO / Inception |
SPL Stock Ratings
Growth Rating | 84.8 |
Fundamental | 29.9 |
Dividend Rating | 83.3 |
Rel. Strength | -6.89 |
Analysts | - |
Fair Price Momentum | 675.26 PLN |
Fair Price DCF | 1531.63 PLN |
SPL Dividends
Dividend Yield 12m | 9.35% |
Yield on Cost 5y | 38.51% |
Annual Growth 5y | 113.20% |
Payout Consistency | 53.2% |
Payout Ratio | 79.2% |
SPL Growth Ratios
Growth Correlation 3m | 28.8% |
Growth Correlation 12m | 70.1% |
Growth Correlation 5y | 90.4% |
CAGR 5y | 34.27% |
CAGR/Max DD 5y | 0.69 |
Sharpe Ratio 12m | 1.05 |
Alpha | -2.18 |
Beta | 0.664 |
Volatility | 29.60% |
Current Volume | 54.5k |
Average Volume 20d | 53.6k |
Stop Loss | 506 (-3.5%) |
As of August 02, 2025, the stock is trading at PLN 524.20 with a total of 54,527 shares traded.
Over the past week, the price has changed by -2.49%, over one month by +7.64%, over three months by -2.89% and over the past year by +12.65%.
Neither. Based on ValueRay´s Fundamental Analyses, Santander Bank Polska is currently (August 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 29.85 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of SPL is around 675.26 PLN . This means that SPL is currently undervalued and has a potential upside of +28.82% (Margin of Safety).
Santander Bank Polska has no consensus analysts rating.
According to our own proprietary Forecast Model, SPL Santander Bank Polska will be worth about 761.6 in August 2026. The stock is currently trading at 524.20. This means that the stock has a potential upside of +45.28%.
Issuer | Target | Up/Down from current |
---|---|---|
Wallstreet Target Price | 560.1 | 6.9% |
Analysts Target Price | - | - |
ValueRay Target Price | 761.6 | 45.3% |