Bank Handlowy w Warszawie S.A. (BHW) AI Stock Analysis

• Market Cap: zł14.79B
• Dividend Yield: 12.95%
• Average Volume (3M): 26.07K
• Price to Earnings (P/E): 8.3
• Beta (1Y): 0.90
• Revenue Growth: -1.33%
• EPS Growth: -19.83%
• Country: PL
• Employees: 3,050
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 4.57
• Shares Outstanding: 130,659,600
• 10 Day Avg. Volume: 35,020
• 30 Day Avg. Volume: 26,066
• PEG Ratio: -1.59
• Price to Book (P/B): 1.37
• Price to Sales (P/S): 3.30
• P/FCF Ratio: 13.70
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): 10.82
• Revenue Forecast (FY): zł2.94B

• Rating: 76 Outperform
• Price Target: zł120.00 ▲(6.76% Upside)
• Action: N/A Date: 09/14/25
• Date: Action: N/A 09/14/25

The overall score of 76 for PL:BHW is driven primarily by strong financial performance (score: 85, weight: 50%), reflecting robust profitability, low leverage, and impressive cash flow growth. Valuation (score: 80, weight: 20%) further supports the positive outlook with a reasonable P/E ratio and high dividend yield. Limited technical analysis data (score: 50, weight: 30%) introduces some uncertainty, but financial strength remains the dominant factor.

Bank Handlowy w Warszawie S.A. Business Overview & Revenue Model

Company Description

Bank Handlowy w Warszawie S.A. provides a range of banking services for individual and corporate clients in Poland and internationally. The company operates through two segments, Institutional Bank and Consumer Bank. The Institutional Bank segment...

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Bank Handlowy w Warszawie S.A. provides a range of banking services for individual and corporate clients in Poland and internationally. The company operates through two segments, Institutional Bank and Consumer Bank. The Institutional Bank segment...

How the Company Makes Money

Bank Handlowy generates revenue primarily through interest income from loans and advances made to customers, which is a significant portion of its earnings. Additionally, the bank earns fees and commissions from various services, including account...

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Bank Handlowy generates revenue primarily through interest income from loans and advances made to customers, which is a significant portion of its earnings. Additionally, the bank earns fees and commissions from various services, including account...

Bank Handlowy w Warszawie S.A. Financial Statement Overview

Breakdown	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	4.17B	5.72B	5.67B	4.28B	2.48B
Gross Profit	3.14B	4.51B	4.55B	3.68B	2.45B
EBITDA	2.19B	2.43B	2.97B	2.10B	1.06B
Net Income	1.67B	1.76B	2.26B	1.55B	717.47M
Balance Sheet
Total Assets	78.85B	72.48B	72.57B	68.47B	61.86B
Cash, Cash Equivalents and Short-Term Investments	21.61B	5.83B	1.30B	1.64B	6.62B
Total Debt	3.99B	1.19B	113.10M	121.81M	125.67M
Total Liabilities	68.81B	62.61B	62.84B	60.51B	54.48B
Stockholders Equity	10.04B	9.87B	9.73B	7.96B	7.38B
Cash Flow
Free Cash Flow	1.00B	4.96B	1.22B	-5.18B	2.16B
Operating Cash Flow	1.05B	5.13B	1.42B	-5.04B	2.25B
Investing Cash Flow	-1.64B	-142.82M	-197.63M	-113.16M	-36.42M
Financing Cash Flow	4.23B	-434.37M	-1.19B	-726.29M	-168.45M

Bank Handlowy w Warszawie S.A. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 112.40
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:BHW, the sentiment is Positive. The current price of 112.4 is above the 20-day moving average (MA) of 111.40, below the 50-day MA of 114.57, and above the 200-day MA of 107.33, indicating a neutral trend. The MACD of -0.88 indicates Negative momentum. The RSI at 52.78 is Neutral, neither overbought nor oversold. The STOCH value of 79.77 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:BHW.

Bank Handlowy w Warszawie S.A. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ING	77 Outperform	zł54.45B	9.60	25.90%	7.36%	7.35%	3.83%
BHW	76 Outperform	zł14.79B	8.26	18.15%	12.95%	-1.33%	-19.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MIL	64 Neutral	zł20.44B	16.79	12.54%	―	9.01%	51.90%