Erste Bank Polska S.A.(DE:BZI)
€181.35+0.95 (+2.69%)
DE:BZI
Erste Bank Polska S.A. financials statements
€181.35
At close:+0.95 (+2.69%)
Erste Bank Polska S.A. (BZI) Ratios
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Erste Bank Polska S.A. Ratios
DE:BZI's free cash flow for Q3 2026 was zł336.28M. For the 2026 fiscal year, DE:BZI's free cash flow was decreased by zł-222.20M and operating cash flow was zł558.48M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 4.79 | 0.07 | 0.06 | 0.07 | 0.07 |
| Quick Ratio | 4.79 | 0.07 | 0.06 | 0.07 | 0.07 |
| Cash Ratio | 1.56 | 0.05 | 0.06 | 0.07 | 0.06 |
| Solvency Ratio | 0.03 | 0.02 | 0.02 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.54 | 0.01 | 0.04 | 0.04 | 0.05 |
| Short-Term Operating Cash Flow Coverage | 0.54 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | zł -230.67B | zł -254.34B | zł -229.73B | zł -214.28B | zł -203.54B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.06 | 0.05 | 0.06 | 0.08 |
| Debt-to-Equity Ratio | 0.63 | 0.55 | 0.47 | 0.59 | 0.81 |
| Debt-to-Capital Ratio | 0.39 | 0.36 | 0.32 | 0.37 | 0.45 |
| Long-Term Debt-to-Capital Ratio | 0.34 | 0.36 | 0.32 | 0.37 | 0.45 |
| Financial Leverage Ratio | 8.70 | 9.36 | 8.71 | 9.66 | 9.52 |
| Debt Service Coverage Ratio | 0.53 | 1.12 | 1.04 | 1.22 | 5.13 |
| Interest Coverage Ratio | 1.85 | 1.38 | 1.29 | 1.51 | 5.77 |
| Debt to Market Cap | 0.48 | 0.38 | 0.30 | 0.60 | 0.58 |
| Interest Debt Per Share | 262.13 | 226.68 | 196.49 | 182.92 | 204.72 |
| Net Debt to EBITDA | 0.99 | 0.65 | 0.42 | 0.48 | 3.61 |
| Profitability Margins | |||||
| Gross Profit Margin | 89.59% | 76.47% | 75.08% | 80.99% | 96.20% |
| EBIT Margin | 45.55% | 32.54% | 32.24% | 28.66% | 21.90% |
| EBITDA Margin | 48.90% | 35.29% | 34.92% | 32.11% | 28.07% |
| Operating Profit Margin | 46.19% | 32.54% | 32.24% | 28.66% | 21.90% |
| Pretax Profit Margin | 45.55% | 32.54% | 32.24% | 28.66% | 21.90% |
| Net Profit Margin | 36.23% | 23.34% | 22.74% | 18.43% | 11.83% |
| Continuous Operations Profit Margin | 35.89% | 23.49% | 23.29% | 19.81% | 13.33% |
| Net Income Per EBT | 79.54% | 71.74% | 70.53% | 64.30% | 54.02% |
| EBT Per EBIT | 98.61% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 2.10% | 1.71% | 1.75% | 1.09% | 0.46% |
| Return on Equity (ROE) | 18.29% | 16.03% | 15.21% | 10.50% | 4.35% |
| Return on Capital Employed (ROCE) | 2.76% | 10.31% | 10.46% | 7.25% | 3.58% |
| Return on Invested Capital (ROIC) | 2.11% | 7.44% | 7.56% | 5.01% | 2.18% |
| Return on Tangible Assets | 2.12% | 1.73% | 1.76% | 1.10% | 0.46% |
| Earnings Yield | 11.62% | 11.15% | 9.65% | 10.56% | 3.12% |
| Efficiency Ratios | |||||
| Receivables Turnover | 0.00 | 8.87 | 16.21 | 14.10 | 9.18 |
| Payables Turnover | 38.85 | 172.86 | 85.28 | 66.48 | 5.55 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 13.68 | 17.39 | 16.87 | 12.81 | 7.52 |
| Asset Turnover | 0.06 | 0.07 | 0.08 | 0.06 | 0.04 |
| Working Capital Turnover Ratio | -0.19 | -0.11 | -0.11 | -0.09 | -0.06 |
| Cash Conversion Cycle | -9.40 | 39.02 | 18.24 | 20.40 | -25.98 |
| Days of Sales Outstanding | 0.00 | 41.13 | 22.52 | 25.89 | 39.76 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 9.40 | 2.11 | 4.28 | 5.49 | 65.74 |
| Operating Cycle | 0.00 | 41.13 | 22.52 | 25.89 | 39.76 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 46.71 | 31.36 | 90.52 | 85.39 | 97.75 |
| Free Cash Flow Per Share | 40.44 | 25.17 | 84.31 | 81.00 | 93.60 |
| Dividend Paid and CapEx Coverage Ratio | 0.88 | 0.61 | 3.03 | 10.92 | 13.86 |
| Capital Expenditure Coverage Ratio | 7.45 | 5.06 | 14.57 | 19.43 | 23.54 |
| Operating Cash Flow Coverage Ratio | 0.21 | 0.18 | 0.63 | 0.55 | 0.49 |
| Operating Cash Flow to Sales Ratio | 0.27 | 0.14 | 0.44 | 0.57 | 1.06 |
| Free Cash Flow Yield | 7.42% | 5.50% | 17.21% | 31.22% | 26.86% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.60 | 8.97 | 10.36 | 9.47 | 32.04 |
| Price-to-Sales (P/S) Ratio | 3.12 | 2.09 | 2.36 | 1.75 | 3.79 |
| Price-to-Book (P/B) Ratio | 1.57 | 1.44 | 1.58 | 0.99 | 1.39 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 13.49 | 18.18 | 5.81 | 3.20 | 3.72 |
| Price-to-Operating Cash Flow Ratio | 11.68 | 14.59 | 5.41 | 3.04 | 3.57 |
| Price-to-Earnings Growth (PEG) Ratio | 0.35 | 1.14 | 0.14 | 0.06 | 4.52 |
| Enterprise Value Multiple | 7.36 | 6.59 | 7.17 | 5.92 | 17.11 |
| Enterprise Value | 64.36B | 51.92B | 53.18B | 28.85B | 45.12B |
| EV to EBITDA | 7.36 | 6.59 | 7.17 | 5.92 | 17.11 |
| EV to Sales | 3.60 | 2.33 | 2.50 | 1.90 | 4.80 |
| EV to Free Cash Flow | 15.57 | 20.19 | 6.17 | 3.49 | 4.72 |
| EV to Operating Cash Flow | 13.48 | 16.20 | 5.75 | 3.31 | 4.52 |
| Tangible Book Value Per Share | 321.26 | 310.69 | 304.31 | 254.55 | 242.77 |
| Shareholders’ Equity Per Share | 346.67 | 318.31 | 310.82 | 260.97 | 249.85 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.28 | 0.28 | 0.31 | 0.39 |
| Revenue Per Share | 175.00 | 218.52 | 207.91 | 148.61 | 91.94 |
| Net Income Per Share | 63.40 | 51.01 | 47.28 | 27.39 | 10.88 |
| Tax Burden | 0.80 | 0.72 | 0.71 | 0.64 | 0.54 |
| 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 | 0.07 | 0.06 | 0.10 | 0.11 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.76 | 0.44 | 1.35 | 2.00 | 4.85 |
Currency in PLN
