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STOCKS

BNP Paribas Bank Polska Spolka Akcyjna (DE:82MA)

FRANKFURT:82MA

82MA

BNP Paribas Bank Polska Spolka Akcyjna

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BNP Paribas Bank Polska Spolka Akcyjna (82MA) Ratios

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BNP Paribas Bank Polska Spolka Akcyjna Ratios

DE:82MA's free cash flow for Q4 2025 was zł0.64. For the 2025 fiscal year, DE:82MA's free cash flow was decreased by zł and operating cash flow was zł0.33. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.00	0.00	0.15	0.19	0.12
Quick Ratio	0.00	0.00	0.15	0.19	0.12
Cash Ratio	0.00	0.00	0.14	0.12	0.11
Solvency Ratio	0.02	0.02	0.02	<0.01	<0.01
Operating Cash Flow Ratio	0.00	0.00	0.11	0.05	0.13
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	zł -150.22B	zł -150.22B	zł -132.46B	zł -123.12B	zł -124.16B
Leverage Ratios
Debt-to-Assets Ratio	0.09	0.09	0.08	0.08	0.08
Debt-to-Equity Ratio	0.86	0.86	0.83	0.99	1.06
Debt-to-Capital Ratio	0.46	0.46	0.45	0.50	0.51
Long-Term Debt-to-Capital Ratio	0.45	0.45	0.45	0.50	0.51
Financial Leverage Ratio	10.09	10.09	10.88	12.52	13.33
Debt Service Coverage Ratio	0.87	0.77	0.64	0.32	0.29
Interest Coverage Ratio	0.94	0.94	0.66	0.38	0.29
Debt to Market Cap	0.68	0.77	1.02	1.01	1.44
Interest Debt Per Share	130.29	130.40	116.99	117.54	100.84
Net Debt to EBITDA	1.25	1.37	-1.59	-1.43	-1.18
Profitability Margins
Gross Profit Margin	66.53%	63.52%	64.00%	61.92%	64.93%
EBIT Margin	30.98%	32.86%	23.61%	14.59%	10.23%
EBITDA Margin	34.18%	32.86%	27.72%	18.37%	15.06%
Operating Profit Margin	30.98%	32.86%	23.61%	14.59%	10.23%
Pretax Profit Margin	30.98%	32.86%	23.61%	14.59%	10.23%
Net Profit Margin	25.26%	26.80%	18.85%	8.38%	5.18%
Continuous Operations Profit Margin	25.26%	26.80%	18.85%	8.38%	5.18%
Net Income Per EBT	81.55%	81.55%	79.83%	57.43%	50.63%
EBT Per EBIT	100.00%	100.00%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.69%	1.69%	1.41%	0.63%	0.29%
Return on Equity (ROE)	18.38%	17.06%	15.32%	7.87%	3.92%
Return on Capital Employed (ROCE)	2.07%	2.07%	8.40%	5.44%	2.99%
Return on Invested Capital (ROIC)	1.69%	1.69%	6.71%	3.13%	1.52%
Return on Tangible Assets	1.70%	1.70%	1.42%	0.63%	0.30%
Earnings Yield	14.29%	15.79%	18.73%	8.01%	5.34%
Efficiency Ratios
Receivables Turnover	0.00	0.00	8.98	1.33	6.63
Payables Turnover	0.00	0.00	21.39	27.04	17.33
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	12.77	12.04	13.21	12.59	7.97
Asset Turnover	0.07	0.06	0.07	0.08	0.06
Working Capital Turnover Ratio	-0.23	-0.23	-0.12	-0.12	-0.08
Cash Conversion Cycle	0.00	0.00	23.60	261.62	33.95
Days of Sales Outstanding	0.00	0.00	40.66	275.12	55.01
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	17.06	13.50	21.06
Operating Cycle	0.00	0.00	40.66	275.12	55.01
Cash Flow Ratios
Operating Cash Flow Per Share	7.27	29.38	99.05	39.79	104.33
Free Cash Flow Per Share	4.12	26.23	95.91	36.77	102.04
CapEx Per Share	3.15	3.15	3.15	3.02	2.29
Free Cash Flow to Operating Cash Flow	0.57	0.89	0.97	0.92	0.98
Dividend Paid and CapEx Coverage Ratio	0.65	2.67	15.11	13.18	45.55
Capital Expenditure Coverage Ratio	2.31	9.32	31.49	13.18	45.55
Operating Cash Flow Coverage Ratio	0.07	0.28	1.14	0.46	1.29
Operating Cash Flow to Sales Ratio	0.09	0.38	1.17	0.49	1.81
Free Cash Flow Yield	2.87%	20.10%	112.57%	42.96%	182.22%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.14	6.33	5.34	12.48	18.72
Price-to-Sales (P/S) Ratio	1.80	1.70	1.01	1.05	0.97
Price-to-Book (P/B) Ratio	1.22	1.08	0.82	0.98	0.73
Price-to-Free Cash Flow (P/FCF) Ratio	35.54	4.98	0.89	2.33	0.55
Price-to-Operating Cash Flow Ratio	20.23	4.44	0.86	2.15	0.54
Price-to-Earnings Growth (PEG) Ratio	0.51	0.22	0.04	0.10	0.13
Price-to-Fair Value	1.22	1.08	0.82	0.98	0.73
Enterprise Value Multiple	6.50	6.54	2.04	4.26	5.26
Enterprise Value	26.45B	24.52B	7.08B	9.45B	6.75B
EV to EBITDA	6.39	6.54	2.04	4.26	5.26
EV to Sales	2.18	2.15	0.57	0.78	0.79
EV to Free Cash Flow	43.24	6.30	0.50	1.74	0.45
EV to Operating Cash Flow	24.50	5.62	0.48	1.61	0.44
Tangible Book Value Per Share	114.11	114.22	97.58	80.76	70.75
Shareholders’ Equity Per Share	120.61	120.72	104.18	87.10	76.32
Tax and Other Ratios
Effective Tax Rate	0.18	0.18	0.20	0.43	0.49
Revenue Per Share	81.47	76.88	84.68	81.84	57.76
Net Income Per Share	20.58	20.60	15.96	6.86	2.99
Tax Burden	0.82	0.82	0.80	0.57	0.51
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.09	0.15	0.09	0.08	0.14
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	<0.01
Income Quality	0.35	1.43	6.21	5.80	34.87

Currency in PLN