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Bank Millennium SA (PL:MIL)
:MIL
Poland Market
MIL
Bank Millennium SA
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Bank Millennium SA (MIL) Ratios

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Bank Millennium SA Ratios

PL:MIL's free cash flow for Q2 2026 was zł0.70. For the 2026 fiscal year, PL:MIL's free cash flow was decreased by zł and operating cash flow was zł0.26. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.05 0.04 0.07 0.07 0.12
Quick Ratio
 0.05 0.04 0.07 0.07 0.12
Cash Ratio
 0.04 0.04 0.05 0.05 0.10
Solvency Ratio
 0.01 <0.01 <0.01 <0.01 >-0.01
Operating Cash Flow Ratio
 0.06 0.10 0.11 0.13 0.10
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
zł -153.03Bzł -141.07Bzł -123.50Bzł -110.85Bzł -93.79B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.06 0.06 0.04 0.02
Debt-to-Equity Ratio
 1.04 1.02 1.02 0.75 0.41
Debt-to-Capital Ratio
 0.51 0.50 0.51 0.43 0.29
Long-Term Debt-to-Capital Ratio
 0.51 0.50 0.51 0.43 0.29
Financial Leverage Ratio
 15.13 17.06 17.91 18.20 20.19
Debt Service Coverage Ratio
 0.51 0.42 0.29 0.25 -0.48
Interest Coverage Ratio
 0.63 0.48 0.27 0.41 -0.44
Debt to Market Cap
 0.43 0.46 0.74 0.50 0.40
Interest Debt Per Share
 12.35 10.44 9.27 6.81 3.21
Net Debt to EBITDA
 2.51 2.49 2.12 -0.48 15.39
Profitability Margins
Gross Profit Margin
65.33%68.35%66.27%68.67%71.68%
EBIT Margin
21.41%15.24%8.96%12.92%-12.45%
EBITDA Margin
23.98%17.35%11.28%15.00%-8.89%
Operating Profit Margin
21.41%15.24%8.96%12.92%-12.45%
Pretax Profit Margin
21.41%15.24%8.96%12.92%-12.45%
Net Profit Margin
14.91%11.30%7.37%5.67%-17.28%
Continuous Operations Profit Margin
14.91%11.30%7.37%5.67%-17.28%
Net Income Per EBT
69.63%74.20%82.19%43.86%138.84%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.82%0.77%0.52%0.46%-0.91%
Return on Equity (ROE)
14.02%13.17%9.25%8.35%-18.47%
Return on Capital Employed (ROCE)
6.78%6.51%4.06%7.41%-5.95%
Return on Invested Capital (ROIC)
4.72%4.82%3.33%3.25%-5.95%
Return on Tangible Assets
0.82%0.78%0.52%0.46%-0.92%
Earnings Yield
5.17%5.96%6.66%5.62%-18.26%
Efficiency Ratios
Receivables Turnover
 514.85 15.37 4.31 5.39 4.23
Payables Turnover
 14.12 13.52 10.35 8.86 6.27
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 17.62 19.09 16.58 17.96 10.25
Asset Turnover
 0.05 0.07 0.07 0.08 0.05
Working Capital Turnover Ratio
 -0.07 -0.09 -0.09 -0.11 -0.07
Cash Conversion Cycle
 -25.13 -3.25 49.36 26.52 27.99
Days of Sales Outstanding
 0.71 23.75 84.62 67.74 86.23
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 25.84 27.00 35.27 41.22 58.24
Operating Cycle
 0.71 23.75 84.62 67.74 86.23
Cash Flow Ratios
Operating Cash Flow Per Share
 6.72 11.23 10.23 11.75 8.24
Free Cash Flow Per Share
 6.56 11.00 10.03 11.60 8.11
CapEx Per Share
 0.17 0.23 0.21 0.15 0.13
Free Cash Flow to Operating Cash Flow
 0.97 0.98 0.98 0.99 0.98
Dividend Paid and CapEx Coverage Ratio
 39.89 49.43 49.82 76.62 63.66
Capital Expenditure Coverage Ratio
 39.89 49.43 49.82 76.62 63.66
Operating Cash Flow Coverage Ratio
 0.69 1.46 1.56 2.79 4.47
Operating Cash Flow to Sales Ratio
 0.87 1.28 1.27 1.42 1.70
Free Cash Flow Yield
29.35%66.18%112.65%138.74%177.07%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 19.26 16.80 15.08 17.79 -5.48
Price-to-Sales (P/S) Ratio
 2.88 1.90 1.11 1.01 0.95
Price-to-Book (P/B) Ratio
 2.40 2.21 1.39 1.49 1.01
Price-to-Free Cash Flow (P/FCF) Ratio
 3.41 1.51 0.89 0.72 0.56
Price-to-Operating Cash Flow Ratio
 3.32 1.48 0.87 0.71 0.56
Price-to-Earnings Growth (PEG) Ratio
 0.32 0.25 0.59 -0.11 0.23
Price-to-Fair Value
 2.40 2.21 1.39 1.49 1.01
Enterprise Value Multiple
 14.54 13.43 11.92 6.24 4.74
Enterprise Value
 32.72B 24.77B 13.13B 9.51B -2.47B
EV to EBITDA
 14.54 13.43 11.92 6.24 4.74
EV to Sales
 3.49 2.33 1.34 0.94 -0.42
EV to Free Cash Flow
 4.12 1.86 1.08 0.67 -0.25
EV to Operating Cash Flow
 4.01 1.82 1.06 0.66 -0.25
Tangible Book Value Per Share
 8.80 7.02 5.95 5.24 4.17
Shareholders’ Equity Per Share
 9.31 7.52 6.41 5.63 4.53
Tax and Other Ratios
Effective Tax Rate
 0.30 0.26 0.18 0.56 -0.39
Revenue Per Share
 7.75 8.76 8.05 8.29 4.84
Net Income Per Share
 1.15 0.99 0.59 0.47 -0.84
Tax Burden
 0.70 0.74 0.82 0.44 1.39
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
 0.15 0.06 0.07 0.05 0.13
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 5.82 11.34 17.26 25.00 -9.85
Currency in PLN