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Bank Handlowy w Warszawie S.A. (BHW) AI Stock Analysis
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Bank Handlowy w Warszawie S.A.
(Warsaw:BHW)
Strong financial fundamentals and compelling valuation—particularly the low P/E and high dividend yield—provide primary strength for Bank Handlowy’s stock. The lack of technical signals limits the score’s upside, since market trend data is unavailable. Close monitoring is warranted due to mild margin and cash flow volatility observed in recent results.
Bank Handlowy w Warszawie S.A. (BHW) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- PLN 15.81B
- Dividend Yield
- 10.94%
- Average Volume (3M)
- 38.81K
- Price to Earnings (P/E)
- 8.9
- Beta (1Y)
- 1.08
- Revenue Growth
- -21.59%
- EPS Growth
- 17.18%
- Country
- PL
- Employees
- 3,045
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Bank Handlowy w Warszawie S.A. Business Overview & Revenue Model
Company Description
Bank Handlowy w Warszawie S.A., founded in 1870 and headquartered in Warsaw, Poland, provides a broad spectrum of banking solutions to individual and corporate clients within Poland and on an international scale. The institution's activities are orga...
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 ma...
Bank Handlowy w Warszawie S.A. Financial Statement Overview
Summary
Bank Handlowy offers stable profitability, high gross margins, strong equity, and extremely low leverage. However, there is mild pressure on both net margins and ROE, with recent results showing a modest slowdown in growth and some volatility in operating cash flows. Financial health is solid but slightly diminished from prior peak performance.
Income Statement
85Very PositiveBalance Sheet
80PositiveCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 4.31B | 4.17B | 5.72B | 5.67B | 4.28B | 2.48B |
| Gross Profit | 3.19B | 3.14B | 4.51B | 4.55B | 3.68B | 2.45B |
| EBITDA | 2.09B | 2.20B | 2.43B | 2.97B | 2.10B | 1.06B |
| Net Income | 1.77B | 1.67B | 1.76B | 2.26B | 1.55B | 717.47M |
Balance Sheet | ||||||
| Total Assets | 72.57B | 78.85B | 72.48B | 72.57B | 68.47B | 61.86B |
| Cash, Cash Equivalents and Short-Term Investments | 2.81B | 21.61B | 5.83B | 1.30B | 1.64B | 6.62B |
| Total Debt | 9.91B | 3.99B | 1.19B | 113.10M | 121.81M | 125.67M |
| Total Liabilities | 63.25B | 68.81B | 62.61B | 62.84B | 60.51B | 54.48B |
| Stockholders Equity | 9.32B | 10.04B | 9.87B | 9.73B | 7.96B | 7.38B |
Cash Flow | ||||||
| Free Cash Flow | 4.60B | 1.00B | 4.96B | 1.22B | -5.18B | 2.16B |
| Operating Cash Flow | 1.41B | 1.05B | 5.13B | 1.42B | -5.04B | 2.25B |
| Investing Cash Flow | -16.81B | -1.64B | -142.82M | -197.63M | -113.16M | -36.42M |
| Financing Cash Flow | 7.03B | 4.23B | -434.37M | -1.19B | -726.29M | -168.45M |
Bank Handlowy w Warszawie S.A. Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:BHW, the sentiment is Neutral. The current price of 121.00 is above the 20-day moving average (MA) of 120.99, above the 50-day MA of 120.28, and above the 200-day MA of 114.98, indicating a bullish trend. The MACD of 0.31 indicates Negative momentum. The RSI at 49.84 is Neutral, neither overbought nor oversold. The STOCH value of 76.79 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for PL:BHW.
Bank Handlowy w Warszawie S.A. Peers Comparison
Overall Rating
- PL:BHW76Outperform
PL:ING74Outperform
PL:MIL61Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| PL:BHW | 76Outperform | PLN 15.81B | 8.90 | 18.27% | 10.94% | -21.59% | 17.18% |
| PL:ING | 74Outperform | PLN 59.04B | 13.07 | 22.44% | 5.89% | 3.62% | -1.09% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| PL:MIL | 61Neutral | PLN 27.84B | 18.97 | 14.21% | ― | -1.94% | 41.60% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| PL:BHW | Bank Handlowy w Warszawie S.A. | 121.00 | 23.17 | 23.69% | |
| PL:PEO | BANK POLSKA KASA OPIEKI SA | 262.50 | 87.44 | 49.95% | |
| PL:BNP | BNP Paribas Bank Polska Spolka Akcyjna | 169.40 | 63.61 | 60.13% | |
| PL:ING | ING Bank Slaski S.A. | 453.80 | 155.57 | 52.17% | |
| PL:MIL | Bank Millennium SA | 22.95 | 7.31 | 46.74% | |
| PL:MBK | mBank SA | 1632.00 | 617.50 | 60.87% |
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.
Date of analysis: Sep 16, 2025