Bank Millennium SA (MIL) AI Stock Analysis

• Market Cap: zł17.88B
• Dividend Yield: N/A
• Average Volume (3M): 805.63K
• Price to Earnings (P/E): 20.5
• Beta (1Y): 1.35
• Revenue Growth: 9.01%
• EPS Growth: 51.90%
• Country: PL
• Employees: 6,700
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 1,213,116,800
• 10 Day Avg. Volume: 744,158
• 30 Day Avg. Volume: 805,632
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: zł16.01
• Price Target Upside: 8.59% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 63 Neutral
• Price Target: zł16.00 ▲(8.55% Upside)

Bank Millennium SA's overall stock score is driven primarily by its solid financial performance, particularly in revenue growth and cash flow generation. However, the stock's valuation and technical indicators suggest moderate attractiveness, with room for improvement in profitability and leverage management. The absence of a dividend yield and neutral technical signals further moderate the score.

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 current accounts; saving products; renewable, cash loans, loans secured with assets accumulated in the Bank, and loans for purchase of securities, as well as mortgage loans; brokerage services; investment funds and solutions; payment cards; letter of credit; bank guarantee and document collection services; factoring; trade finance; foreign currency exchange services; custody services; pension schemes; overdraft; life and non-life insurance; and custodial services. It also provides leasing and financing services for cars and vans, machinery and equipment industries, road, rail, water, and air, as well as real estate properties; and internet, ATM, transactional, and mobile banking services. The company serves its services to individual customers on the mass market, affluent customers, and sole traders, as well as services to small companies, medium and large companies, and public sector entities. It operates 655 branches. The company was formerly known as BIG Bank GDANSKI SA and changed its name to Bank Millennium S.A. in January 2003. Bank Millennium S.A. was founded in 1989 and is headquartered in Warsaw, Poland. Bank Millennium S.A. operates as a subsidiary of Banco Comercial Português, S.A.

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 banking services, such as account maintenance, transaction fees, and investment services. The bank also earns money through the sale of insurance products and asset management services. Additionally, interest income from investments in securities and other financial instruments contributes to its revenue. Strategic partnerships with financial technology firms enhance its service offerings and customer reach, thereby supporting its overall earnings.

Bank Millennium SA Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
Total Debt
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Stockholders Equity
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Bank Millennium SA Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 14.74
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

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 14.74 is above the 20-day moving average (MA) of 14.61, below the 50-day MA of 14.88, and above the 200-day MA of 13.23, indicating a neutral trend. The MACD of -0.02 indicates Negative momentum. The RSI at 50.22 is Neutral, neither overbought nor oversold. The STOCH value of 38.23 is Neutral, 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ING	75 Outperform	zł39.88B	8.75	25.89%	8.22%	7.35%	3.83%
BHW	73 Outperform	zł13.69B	9.04	17.84%	9.82%	-1.33%	-19.83%
MIL	63 Neutral	zł17.88B	20.48	11.11%	―	9.01%	51.90%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%