Bank Millennium SA (PL:MIL)
:MIL
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Bank Millennium SA
(MIL)
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Rating:64Neutral
Price Target:
zł15.50
▼(-9.36% Downside)
Action:N/ADate:09/14/25
Bank Millennium SA's overall stock score of 64 is primarily driven by its strong financial performance, with notable revenue and cash flow growth, though tempered by modest profitability and balance sheet risks. Technical analysis and valuation contribute neutrally due to limited data and a reasonable but unremarkable P/E ratio, reflecting a cautiously optimistic outlook with areas for improvement.
Positive Factors
Revenue Growth
Consistent revenue growth indicates strong market position and demand for the bank's services, supporting long-term business expansion.
Negative Factors
Leverage Management
Increased leverage can strain financial stability, limiting the bank's ability to invest in growth and manage economic downturns.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth indicates strong market position and demand for the bank's services, supporting long-term business expansion.
Read all positive factors
Bank Millennium SA (MIL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
zł21.65B
Dividend YieldN/A
Average Volume (3M)877.44K
Price to Earnings (P/E)16.5
Beta (1Y)1.50
Revenue Growth5.56%
EPS Growth71.83%
CountryPL
Employees6,700
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)1.09
Shares Outstanding1,213,116,800
10 Day Avg. Volume1,075,416
30 Day Avg. Volume877,443
Financial Highlights & Ratios
PEG Ratio0.25
Price to Book (P/B)2.21
Price to Sales (P/S)1.90
P/FCF Ratio1.51
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)1.15
Revenue Forecast (FY)zł6.71B
Bank Millennium SA Business Overview & Revenue Model
Company Description
Bank Millennium S.A. provides various banking products and services in Poland. It operates through Retail Customer; Corporate Customer; FX Mortgage Loans; and Treasury, Assets and Liabilities Management and Other segments. The company offers curre...
How the Company Makes Money
Bank Millennium generates revenue primarily through interest income from loans and advances to customers, which include retail and corporate lending. A significant portion of its earnings comes from fees and commissions generated through various b...
Bank Millennium SA Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
65
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.57B | 10.63B | 9.76B | 10.16B | 5.87B | 3.94B |
| Gross Profit | 6.23B | 7.27B | 6.47B | 6.97B | 4.21B | 3.82B |
| EBITDA | 1.98B | 1.84B | 1.10B | 1.52B | -521.83M | -799.35M |
| Net Income | 1.32B | 1.20B | 719.21M | 575.72M | -1.01B | -1.33B |
Balance Sheet | ||||||
| Total Assets | 161.90B | 155.67B | 139.15B | 125.52B | 110.94B | 103.91B |
| Cash, Cash Equivalents and Short-Term Investments | 6.02B | 4.71B | 5.62B | 5.89B | 10.27B | 3.95B |
| Total Debt | 9.21B | 9.30B | 7.95B | 5.16B | 2.24B | 2.29B |
| Total Liabilities | 151.20B | 146.55B | 131.38B | 118.63B | 105.45B | 97.22B |
| Stockholders Equity | 10.70B | 9.13B | 7.77B | 6.89B | 5.49B | 6.70B |
Cash Flow | ||||||
| Free Cash Flow | 5.72B | 13.35B | 12.16B | 14.21B | 9.84B | 2.69B |
| Operating Cash Flow | 6.01B | 13.63B | 12.41B | 14.40B | 9.99B | 2.79B |
| Investing Cash Flow | -23.00B | -13.72B | -19.18B | -12.19B | 1.22B | -556.58M |
| Financing Cash Flow | 9.15B | 821.74M | 2.43B | 2.06B | -355.03M | -444.95M |
Bank Millennium SA Technical Analysis
Positive
17.10
Price Trends
17.00
Positive
16.82
Positive
15.96
Positive
Market Momentum
0.73
Negative
71.70
Negative
88.57
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:MIL, the sentiment is Positive. The current price of 17.1 is below the 20-day moving average (MA) of 17.47, above the 50-day MA of 17.00, and above the 200-day MA of 15.96, indicating a bullish trend. The MACD of 0.73 indicates Negative momentum. The RSI at 71.70 is Negative, neither overbought nor oversold. The STOCH value of 88.57 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:MIL.
Bank Millennium SA Peers Comparison
UnderperformOutperform
Sector (68)
PL:MIL
Bank Millennium SA
17.85
3.36
23.19%
PL:BNP
BNP Paribas Bank Polska Spolka Akcyjna
148.00
47.83
47.75%
PL:BHW
Bank Handlowy w Warszawie S.A.
114.40
10.85
10.48%
PL:ING
ING Bank Slaski S.A.
392.20
103.87
36.02%
PL:ALR
Alior Bank SA
123.75
30.99
33.40%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.