Stock BHW BANK HANDLOWY W WARSZAWIE S.A.
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Financials Bank Handlowy w Warszawie S.A.

Equities

BHW

PLBH00000012

Banks

Delayed Warsaw S.E.
Other stock markets
 08:26:33 27/06/2024 BST 		5-day change 1st Jan Change
97.3 PLN -0.41% Intraday chart for Bank Handlowy w Warszawie S.A. -10.73% -4.04%
05-09 Bank Handlowy w Warszawie S.A. Reports Earnings Results for the First Quarter Ended March 31, 2024 CI
05-08 Bank Handlowy Recommends Dividend for the Year 2023, Payable on July 4, 2024 CI

Valuation

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Capitalization 1 6,768 4,593 7,709 9,878 13,249 12,761 - -
Enterprise Value (EV) 1 6,768 4,593 7,709 9,878 13,249 12,761 12,761 12,761
P/E ratio 14.1 x 26.6 x 10.7 x 6.39 x - 6.56 x 7.46 x 8.31 x
Yield - - 2.03% 7.24% - 11.2% 11.5% 11.8%
Capitalization / Revenue 3.05 x 2.22 x 3.22 x 2.71 x 2.94 x 2.97 x 3.06 x 3.21 x
EV / Revenue 3.05 x 2.22 x 3.22 x 2.71 x 2.94 x 2.97 x 3.06 x 3.21 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 0.96 x 0.61 x 1.04 x 1.24 x - 1.2 x 1.2 x 1.14 x
Nbr of stocks (in thousands) 130,660 130,660 130,660 130,660 130,660 130,611 - -
Reference price 2 51.80 35.15 59.00 75.60 101.4 97.70 97.70 97.70
Announcement Date 13/02/20 11/02/21 17/02/22 08/02/23 14/02/24 - - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net sales 1 2,217 2,068 2,391 3,648 4,509 4,297 4,172 3,979
EBITDA - - - - - - - -
EBIT 1 1,002 846 1,188 2,310 3,069 2,622 2,484 2,266
Operating Margin 45.18% 40.91% 49.69% 63.33% 68.06% 61.02% 59.52% 56.94%
Earnings before Tax (EBT) 1 666.1 317 988 2,208 2,861 2,664 2,431 2,173
Net income 1 486.5 172 747 1,546 2,256 1,940 1,728 1,515
Net margin 21.95% 8.32% 31.24% 42.38% 50.03% 45.15% 41.41% 38.07%
EPS 2 3.670 1.320 5.490 11.83 - 14.90 13.10 11.76
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 - - 1.200 5.470 - 10.90 11.22 11.49
Announcement Date 13/02/20 11/02/21 17/02/22 08/02/23 14/02/24 - - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2021 Q4 2022 Q1 2022 Q2 2022 S1 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 S1 2023 Q3 2023 Q4 2024 Q1
Net sales 1 572 835.7 1,012 1,848 760.4 1,039 1,242 1,150 2,392 1,136 980 1,081
EBITDA - - - - - - - - - - - -
EBIT 1 288 425.2 711.5 1,137 453 723 827.3 710 1,637 802.8 629 612.2
Operating Margin 50.35% 50.88% 70.29% 61.51% 59.57% 69.59% 66.59% 61.74% 68.44% 70.67% 64.18% 56.63%
Earnings before Tax (EBT) 1 238 367.7 643.1 1,011 364.9 674 768.4 771 1,539 749.1 572 577.4
Net income 1 186 282 500.3 782.3 283.8 479 603.8 611.5 1,215 591.6 449 454
Net margin 32.52% 33.74% 49.42% 42.33% 37.32% 46.1% 48.6% 53.17% 50.81% 52.08% 45.82% 42%
EPS - - - - - - - - - - - -
Dividend per Share - - - - - - - - - - - -
Announcement Date 17/02/22 09/05/22 30/08/22 30/08/22 14/11/22 08/02/23 11/05/23 30/08/23 30/08/23 09/11/23 14/02/24 08/05/24
1PLN in Million
Estimates

Balance Sheet Analysis

Fiscal Period: December 2019 2020 2021 2022 2023 2024 2025 2026
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 6.89% 5.3% 9.96% 20.1% - 18.7% 16.5% 14%
ROA (Net income/ Total Assets) 0.96% 0.7% 1.22% 2.35% - 2.61% 2.2% 1.88%
Assets 1 50,629 24,571 61,401 65,832 - 74,330 78,526 80,584
Book Value Per Share 2 54.20 58.00 56.50 60.90 - 81.60 81.30 85.90
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 13/02/20 11/02/21 17/02/22 08/02/23 14/02/24 - - -
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Bank Handlowy w Warszawie S.A.

Trading Rating
Investor Rating
ESG Refinitiv
A-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
7
Last Close Price
97.7 PLN
Average target price
114 PLN
Spread / Average Target
+16.73%
Consensus

EPS Revisions

Estimates Revisions

Quarterly revenue - Rate of surprise

Company calendar

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