B

Bank Handlowy w Warszawie SA
WSE:BHW

Watchlist Manager
Bank Handlowy w Warszawie SA
WSE:BHW
Watchlist
Price: 90 PLN -0.55% Market Closed
Market Cap: 11.7B PLN
Have any thoughts about
Bank Handlowy w Warszawie SA?
Write Note

Intrinsic Value

The intrinsic value of one BHW stock under the Base Case scenario is 104.75 PLN. Compared to the current market price of 90 PLN, Bank Handlowy w Warszawie SA is Undervalued by 14%.

The Intrinsic Value is calculated as the average of DCF and Relative values:

BHW Intrinsic Value
104.75 PLN
Undervaluation 14%
Intrinsic Value
Price
B
Worst Case
Base Case
Best Case

Valuation Backtest
Bank Handlowy w Warszawie SA

Backtest Intrinsic Value
Dive into the past to invest in the future

Uncover deeper insights with the Valuation Backtest. Learn how current stock valuations stack up against historical averages to gauge true investment potential.

Start backtest now and learn if your stock is truly undervalued or overvalued!

Run Backtest
Backtest Conclusion
Very Attractive
Current Valuation
+45%
Avg Valuation
-12%
Worst Valuation
-49%
Best Valuation
+45%

Stock is trading at its lowest valuation over the past 5 years.

Backtest Example
Register to View Results
Register to View Results

To access the results of this valuation backtest, please register an account with us. Registration is quick and gives you instant access to insights on 3 stocks per week for free.

Backtest Unavailable

The backtest for BHW cannot be conducted due to limitations such as insufficient data or other constraints. Please select a different stock or adjust your settings.

Backtest In Progress...
Backtest In Progress...
How do you feel about BHW?
Bearish
Neutral
Bullish

Fundamental Analysis

Risks & Rewards

 

 

 

 

View All Risks & Rewards
Company Quality
No Indicators Selected
Select Indicators

Select up to 3 indicators:

Insider Trading
0-3
Months
0-6
Months
0-12
Months
0-36
Months
No Periods Selected
Select Periods

Select up to 2 periods:

Notes
AI Assistant
AI Assistant
Ask me anything about Bank Handlowy w Warszawie SA

Provide an overview of the primary business activities
of Bank Handlowy w Warszawie SA.

What unique competitive advantages
does Bank Handlowy w Warszawie SA hold over its rivals?

What risks and challenges
does Bank Handlowy w Warszawie SA face in the near future?

Summarize the latest earnings call
of Bank Handlowy w Warszawie SA.

Is it considered overvalued or undervalued
based on the latest financial data?

Show all valuation multiples
for Bank Handlowy w Warszawie SA.

Provide P/S
for Bank Handlowy w Warszawie SA.

Provide P/E
for Bank Handlowy w Warszawie SA.

Provide P/B
for Bank Handlowy w Warszawie SA.

Show me price targets
for Bank Handlowy w Warszawie SA made by professional analysts.

What are the Revenue projections
for Bank Handlowy w Warszawie SA?

How accurate were the past Revenue estimates
for Bank Handlowy w Warszawie SA?

What are the Net Income projections
for Bank Handlowy w Warszawie SA?

How accurate were the past Net Income estimates
for Bank Handlowy w Warszawie SA?

What are the EPS projections
for Bank Handlowy w Warszawie SA?

How accurate were the past EPS estimates
for Bank Handlowy w Warszawie SA?

What are the EBIT projections
for Bank Handlowy w Warszawie SA?

How accurate were the past EBIT estimates
for Bank Handlowy w Warszawie SA?

Compare the revenue forecasts
for Bank Handlowy w Warszawie SA with those of its competitors based on recent analyst estimates.

Compare the intrinsic valuations
of Bank Handlowy w Warszawie SA and its key competitors using the latest financial data.

Compare historical revenue growth rates
of Bank Handlowy w Warszawie SA against its competitors.

Analyze the profit margins
(gross, operating, and net) of Bank Handlowy w Warszawie SA compared to its peers.

Compare the P/E ratios
of Bank Handlowy w Warszawie SA against its peers.

Discuss the investment returns and shareholder value creation
comparing Bank Handlowy w Warszawie SA with its peers.

Analyze the financial leverage
of Bank Handlowy w Warszawie SA compared to its main competitors.

Show all profitability ratios
for Bank Handlowy w Warszawie SA.

Provide ROE
for Bank Handlowy w Warszawie SA.

Provide ROA
for Bank Handlowy w Warszawie SA.

Provide Net Interest Margin
for Bank Handlowy w Warszawie SA.

Provide Net Margin
for Bank Handlowy w Warszawie SA.

Show all solvency ratios
for Bank Handlowy w Warszawie SA.

Loans/Deposits Ratio
for Bank Handlowy w Warszawie SA.

What is the historical Revenue growth
over the last 5 years for Bank Handlowy w Warszawie SA?

What is the historical Net Income growth
over the last 5 years for Bank Handlowy w Warszawie SA?

What is the current Free Cash Flow
of Bank Handlowy w Warszawie SA?

Discuss the annual earnings per share (EPS)
trend over the past five years for Bank Handlowy w Warszawie SA.

Financials
Annual
Quarterly
TTM
Annual
Quarterly
TTM

Balance Sheet Decomposition
Bank Handlowy w Warszawie SA

Net Loans 21.2B
Investments 49.2B
PP&E 536.7m
Intangibles 1.1B
Other Assets 990.3m
Total Deposits 57.4B
Short Term Debt 9.9m
Long Term Debt 120m
Other Liabilities 6.3B
Earnings Calls

The bank showcased a robust quarter, with net income at PLN 1.8 billion over nine months surpassing the full-year record of 2022. Third-quarter revenues hit PLN 1.1 billion, while net profits were PLN 592 million, yielding a strong return on equity of 13.7%. Despite moderate demand for loans, there were positive signs with an 8% growth in deposits. The total capital ratio stood at 23%, compliant with TLAC criteria. Consumer Banking dipped by 5% due to one-off events, yet core client revenue grew by 10% with a 13% expansion in Citigold private client portfolios. Investment product sales surged by 18%, and FX volume remained stable despite a 1% increase. The bank's Treasury activity flourished, and costs reflected disciplined management with a 2% quarter-over-quarter decrease. The bank also affirmed its sustainability commitment, targeting net-zero for operations by 2030 and promoting renewable energy usage.

What is Earnings Call?

Wall St
Price Targets

BHW Price Targets Summary
Bank Handlowy w Warszawie SA

Wall Street analysts forecast BHW stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for BHW is 115.44 PLN with a low forecast of 93.93 PLN and a high forecast of 137.45 PLN.

Lowest
Price Target
93.93 PLN
4% Upside
Average
Price Target
115.44 PLN
28% Upside
Highest
Price Target
137.45 PLN
53% Upside
View Analyst Estimates
View Analyst Estimates
Want to learn more about Wall St estimates for BHW?

Click here to dive deeper.

Dividends

Dividend Yield
Lowest
Average
Highest
Dividend Per Share
N/A
Growth 3Y
Growth 5Y
Growth 10Y
Dividend Safety Score
Very
Unsafe
Unsafe
Safe
Very
Safe
0
25
50
75
100
Shareholder Yield

Current shareholder yield for BHW is .

Shareholder yield represents the total return a company provides to its shareholders, calculated as the sum of dividend yield, buyback yield, and debt paydown yield. What is shareholder yield?

Shareholder Yield
Dividend Yield
Lowest
Average
Highest
Buyback Yield
Lowest
Average
Highest

Profile

Bank Handlowy w Warszawie SA

Country

Poland

Industry

Banking

Market Cap

11.7B PLN

Dividend Yield

12.39%

Description

Bank Handlowy w Warszawie SA engages in the provision of banking services for individuals and corporate clients in domestic and foreign markets. The company is headquartered in Warsaw, Woj. Mazowieckie and currently employs 2,903 full-time employees. The company offers its products and services under Citibank Handlowy brand. The Bank operates through two segments: Corporate and Investment Banking; and Retail Banking. The Bank’s offer includes cash management, trade services, treasury services, corporate finance, debt instruments, syndicated loans, structured trade finance, securitization services, asset management services, management buy-outs and acquisitions advisory services, custodian services and brokerage. In addition, through its subsidiaries, the Bank is engaged in vendor leasing and other leasing activities; the management of pension funds; the provision of insurance, and the management of securities portfolios. The Bank’s parent entity is Citibank Overseas Investment Corporation (COIC).

Contact

WOJ. MAZOWIECKIE
Warsaw
ul. Senatorska 16
+48226577200.0
www.citibank.pl

IPO

1997-06-30

Employees

2 903

Officers

See Also

Discover More
What is the Intrinsic Value of one BHW stock?

The intrinsic value of one BHW stock under the Base Case scenario is 104.75 PLN.

Is BHW stock undervalued or overvalued?

Compared to the current market price of 90 PLN, Bank Handlowy w Warszawie SA is Undervalued by 14%.

Back to Top