Bank Ochrony Srodowiska S.A. (BOS) AI Stock Analysis

• Market Cap: zł932.82M
• Dividend Yield: N/A
• Average Volume (3M): 33.03K
• Price to Earnings (P/E): 7.5
• Beta (1Y): 1.32
• Revenue Growth: -1.18%
• EPS Growth: 49.92%
• Country: PL
• Employees: 1,642
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 0.07
• Shares Outstanding: 92,947,670
• 10 Day Avg. Volume: 26,137
• 30 Day Avg. Volume: 33,027
• PEG Ratio: 4.81
• Price to Book (P/B): 0.41
• Price to Sales (P/S): 0.54
• P/FCF Ratio: -4.04
• 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): 3.5
• Revenue Forecast (FY): zł3.75B

• Rating: 62 Neutral
• Price Target: zł12.00 ▲(6.76% Upside)

The overall stock score of 62 reflects strong revenue growth and a stable balance sheet, offset by significant cash flow challenges and operational inefficiencies. Technical indicators suggest neutral to bearish momentum, while the valuation appears reasonable. The absence of earnings call data and corporate events limits additional insights.

Bank Ochrony Srodowiska S.A. Business Overview & Revenue Model

Company Description

Bank Ochrony Środowiska S.A. (BOS) is a leading financial institution in Poland that specializes in providing banking services with a focus on environmental protection and sustainable development. Established to support eco-friendly projects, BOS operates in various sectors including retail banking, corporate banking, and investment services. Core products include loans for renewable energy projects, green bonds, and other financial solutions tailored to promote environmental sustainability.

How the Company Makes Money

BOS generates revenue through a diversified model primarily based on interest income from loans and fees from financial services. The bank receives interest from loans extended to individuals and businesses, particularly those involved in environmentally friendly initiatives. Key revenue streams include the issuance of green bonds, which attract investors interested in sustainable finance, and fees from advisory services related to environmental projects. Additionally, partnerships with governmental and non-governmental organizations aimed at promoting green initiatives enhance BOS's ability to fund eco-friendly projects, providing further income avenues while reinforcing its commitment to sustainability.

Bank Ochrony Srodowiska S.A. Financial Statement Overview

Summary

Bank Ochrony Srodowiska S.A. shows strong revenue growth and a stable balance sheet, but faces profitability and cash flow challenges. The income statement indicates robust top-line expansion, but declining profit margins suggest operational inefficiencies. The balance sheet is stable with a manageable debt-to-equity ratio, but cash flow issues are significant, with negative free cash flow growth and operating cash flow.

Income Statement

The income statement shows a strong revenue growth rate of 43.44% in the latest year, indicating robust top-line expansion. However, the net profit margin has decreased to 4.74% from 7.58% the previous year, suggesting increased costs or other financial pressures. The gross profit margin remains healthy at 63.67%, but the decline in EBIT and EBITDA margins indicates potential challenges in operational efficiency.

Balance Sheet

The balance sheet reflects a stable debt-to-equity ratio of 0.51, which is manageable and indicates a balanced approach to leveraging. However, the return on equity has slightly decreased to 3.57%, suggesting reduced profitability relative to shareholder equity. The equity ratio stands at 9.82%, indicating a solid equity base relative to total assets.

Cash Flow

The cash flow statement reveals significant challenges, with a negative free cash flow growth rate of -80.77% and negative operating cash flow, indicating cash management issues. The free cash flow to net income ratio is positive at 1.30, suggesting that despite negative cash flow, the company is generating cash relative to net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	1.76B	1.68B	1.03B	1.43B	700.30M	771.09M
Gross Profit	1.09B	1.07B	1.03B	983.12M	644.16M	623.49M
EBITDA	258.50M	227.95M	214.90M	256.87M	135.11M	-232.85M
Net Income	124.34M	79.66M	78.37M	128.24M	47.46M	-306.93M
Balance Sheet
Total Assets	24.94B	22.72B	22.03B	22.01B	20.23B	20.51B
Cash, Cash Equivalents and Short-Term Investments	5.74B	4.31B	4.02B	791.49M	710.88M	308.97M
Total Debt	1.15B	682.18M	983.77M	1.05B	1.06B	1.24B
Total Liabilities	22.61B	20.49B	19.88B	20.04B	18.36B	18.59B
Stockholders Equity	2.34B	2.23B	2.15B	1.96B	1.87B	1.91B
Cash Flow
Free Cash Flow	1.48B	-225.63M	-1.00B	1.93B	1.16B	928.69M
Operating Cash Flow	1.52B	-173.03M	-944.87M	2.00B	1.20B	967.03M
Investing Cash Flow	344.07M	648.14M	-328.90M	-281.60M	-39.78M	-141.27M
Financing Cash Flow	443.31M	-196.72M	43.03M	-68.60M	-32.03M	-33.84M

Bank Ochrony Srodowiska S.A. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 11.24
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:BOS, the sentiment is Negative. The current price of 11.24 is above the 20-day moving average (MA) of 10.31, above the 50-day MA of 11.08, and above the 200-day MA of 11.10, indicating a bearish trend. The MACD of -0.36 indicates Negative momentum. The RSI at 34.68 is Neutral, neither overbought nor oversold. The STOCH value of 57.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for PL:BOS.

Bank Ochrony Srodowiska S.A. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ING	75 Outperform	€45.21B	9.90	25.90%	7.51%	7.35%	3.83%
BHW	73 Outperform	€13.72B	9.06	18.15%	13.46%	-1.33%	-19.83%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
MIL	63 Neutral	€19.41B	18.89	12.54%	―	9.01%	51.90%
BOS	62 Neutral	zł932.82M	7.50	5.47%	―	-1.18%	49.92%