Bank Millennium SA(PL:MIL)
zł 23.80+0.57 (+4.71%)
PL:MIL
Bank Millennium SA financials statements
zł 23.80
At close:+0.57 (+4.71%)
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Bank Millennium SA (MIL) Ratios
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Bank Millennium SA Ratios
PL:MIL's free cash flow for Q3 2026 was zł682.48M. For the 2026 fiscal year, PL:MIL's free cash flow was decreased by zł-74.21M and operating cash flow was zł756.69M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.04 | 0.07 | 0.07 | 0.12 | 0.05 |
| Quick Ratio | 0.04 | 0.07 | 0.07 | 0.12 | 0.05 |
| Cash Ratio | 0.04 | 0.05 | 0.05 | 0.10 | 0.04 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | -0.01 | -0.01 |
| Operating Cash Flow Ratio | 0.10 | 0.11 | 0.13 | 0.10 | 0.03 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | zł -141.07B | zł -123.50B | zł -110.85B | zł -93.79B | zł -92.40B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.06 | 0.06 | 0.04 | 0.02 | 0.02 |
| Debt-to-Equity Ratio | 1.02 | 1.02 | 0.75 | 0.41 | 0.34 |
| Debt-to-Capital Ratio | 0.50 | 0.51 | 0.43 | 0.29 | 0.25 |
| Long-Term Debt-to-Capital Ratio | 0.50 | 0.51 | 0.43 | 0.29 | 0.25 |
| Financial Leverage Ratio | 17.06 | 17.91 | 18.20 | 20.19 | 15.52 |
| Debt Service Coverage Ratio | 0.42 | 0.29 | 0.25 | -0.48 | -8.77 |
| Interest Coverage Ratio | 0.48 | 0.27 | 0.41 | -0.44 | -7.76 |
| Debt to Market Cap | 0.46 | 0.74 | 0.50 | 0.40 | 0.23 |
| Interest Debt Per Share | 10.44 | 9.27 | 6.81 | 3.21 | 1.99 |
| Net Debt to EBITDA | 2.49 | 2.12 | -0.48 | 15.39 | 2.08 |
| Profitability Margins | |||||
| Gross Profit Margin | 68.35% | 66.27% | 68.67% | 71.68% | 96.73% |
| EBIT Margin | 15.24% | 8.96% | 12.92% | -12.45% | -25.38% |
| EBITDA Margin | 17.35% | 11.28% | 15.00% | -8.89% | -20.27% |
| Operating Profit Margin | 15.24% | 8.96% | 12.92% | -12.45% | -25.38% |
| Pretax Profit Margin | 15.24% | 8.96% | 12.92% | -12.45% | -25.38% |
| Net Profit Margin | 11.30% | 7.37% | 5.67% | -17.28% | -33.77% |
| Continuous Operations Profit Margin | 11.30% | 7.37% | 5.67% | -17.28% | -33.77% |
| Net Income Per EBT | 74.20% | 82.19% | 43.86% | 138.84% | 133.06% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 0.77% | 0.52% | 0.46% | -0.91% | -1.28% |
| Return on Equity (ROE) | 13.17% | 9.25% | 8.35% | -18.47% | -19.89% |
| Return on Capital Employed (ROCE) | 6.51% | 4.06% | 7.41% | -5.95% | -8.24% |
| Return on Invested Capital (ROIC) | 4.82% | 3.33% | 3.25% | -5.95% | -8.24% |
| Return on Tangible Assets | 0.78% | 0.52% | 0.46% | -0.92% | -1.29% |
| Earnings Yield | 5.96% | 6.66% | 5.62% | -18.26% | -13.40% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.37 | 4.31 | 5.39 | 4.23 | 4.55 |
| Payables Turnover | 13.52 | 10.35 | 8.86 | 6.27 | 4.26 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 19.09 | 16.58 | 17.96 | 10.25 | 7.17 |
| Asset Turnover | 0.07 | 0.07 | 0.08 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.09 | -0.09 | -0.11 | -0.07 | -0.05 |
| Cash Conversion Cycle | -3.25 | 49.36 | 26.52 | 27.99 | -5.51 |
| Days of Sales Outstanding | 23.75 | 84.62 | 67.74 | 86.23 | 80.17 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 27.00 | 35.27 | 41.22 | 58.24 | 85.68 |
| Operating Cycle | 23.75 | 84.62 | 67.74 | 86.23 | 80.17 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 11.23 | 10.23 | 11.75 | 8.24 | 2.30 |
| Free Cash Flow Per Share | 11.00 | 10.03 | 11.60 | 8.11 | 2.22 |
| Dividend Paid and CapEx Coverage Ratio | 49.43 | 49.82 | 76.62 | 63.66 | 29.49 |
| Capital Expenditure Coverage Ratio | 49.43 | 49.82 | 76.62 | 63.66 | 29.49 |
| Operating Cash Flow Coverage Ratio | 1.46 | 1.56 | 2.79 | 4.47 | 1.22 |
| Operating Cash Flow to Sales Ratio | 1.28 | 1.27 | 1.42 | 1.70 | 0.71 |
| Free Cash Flow Yield | 66.18% | 112.65% | 138.74% | 177.07% | 27.09% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 16.80 | 15.08 | 17.79 | -5.48 | -7.46 |
| Price-to-Sales (P/S) Ratio | 1.90 | 1.11 | 1.01 | 0.95 | 2.52 |
| Price-to-Book (P/B) Ratio | 2.21 | 1.39 | 1.49 | 1.01 | 1.48 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 1.51 | 0.89 | 0.72 | 0.56 | 3.69 |
| Price-to-Operating Cash Flow Ratio | 1.48 | 0.87 | 0.71 | 0.56 | 3.57 |
| Price-to-Earnings Growth (PEG) Ratio | 0.25 | 0.59 | -0.11 | 0.23 | 0.00 |
| Enterprise Value Multiple | 13.43 | 11.92 | 6.24 | 4.74 | -10.35 |
| Enterprise Value | 24.77B | 13.13B | 9.51B | -2.47B | 8.28B |
| EV to EBITDA | 13.43 | 11.92 | 6.24 | 4.74 | -10.35 |
| EV to Sales | 2.33 | 1.34 | 0.94 | -0.42 | 2.10 |
| EV to Free Cash Flow | 1.86 | 1.08 | 0.67 | -0.25 | 3.07 |
| EV to Operating Cash Flow | 1.82 | 1.06 | 0.66 | -0.25 | 2.97 |
| Tangible Book Value Per Share | 7.02 | 5.95 | 5.24 | 4.17 | 5.20 |
| Shareholders’ Equity Per Share | 7.52 | 6.41 | 5.63 | 4.53 | 5.52 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.26 | 0.18 | 0.56 | -0.39 | -0.33 |
| Revenue Per Share | 8.76 | 8.05 | 8.29 | 4.84 | 3.25 |
| Net Income Per Share | 0.99 | 0.59 | 0.47 | -0.84 | -1.10 |
| Tax Burden | 0.74 | 0.82 | 0.44 | 1.39 | 1.33 |
| 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 | 0.06 | 0.07 | 0.05 | 0.13 | 0.11 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 11.34 | 17.26 | 25.00 | -9.85 | -2.09 |
Currency in PLN
