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Bank Millennium SA (MIL) AI Stock Analysis
Bank Millennium SA
(Warsaw:MIL)
The score reflects PL:MIL’s improving financial performance and strong free cash flow, balanced against moderate profitability and higher leverage risk. A lack of technical momentum, higher-than-average P/E, and no dividend yield further temper the score. No additional influence from earnings call or corporate events was factored due to missing data.
Bank Millennium SA (MIL) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- PLN 27.84B
- Dividend Yield
- ―
- Average Volume (3M)
- 733.07K
- Price to Earnings (P/E)
- 19.0
- Beta (1Y)
- 1.58
- Revenue Growth
- -1.94%
- EPS Growth
- 41.60%
- Country
- PL
- Employees
- 6,800
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Bank Millennium SA Business Overview & Revenue Model
Company Description
Bank Millennium S.A. is a prominent financial institution operating within Poland. The bank delivers a broad spectrum of banking and financial services, organized into distinct operational segments: retail client services, corporate client services,...
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 bank...
Bank Millennium SA Financial Statement Overview
Summary
PL:MIL demonstrates strong revenue and cash flow growth, with a notable turnaround since 2022. Profitability has improved and free cash flow has surged, but core profit margins remain moderate and leverage has increased, posing some risk.
Income Statement
64PositiveBalance Sheet
59NeutralCash Flow
74Positive| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 9.98B | 10.63B | 9.76B | 10.16B | 5.87B | 3.94B |
| Gross Profit | 6.76B | 7.27B | 6.47B | 6.97B | 4.21B | 3.82B |
| EBITDA | 2.45B | 1.84B | 1.10B | 1.52B | -521.83M | -799.35M |
| Net Income | 1.46B | 1.20B | 719.21M | 575.72M | -1.01B | -1.33B |
Balance Sheet | ||||||
| Total Assets | 169.22B | 155.67B | 139.15B | 125.52B | 110.94B | 103.91B |
| Cash, Cash Equivalents and Short-Term Investments | 5.77B | 4.71B | 5.62B | 5.89B | 10.27B | 3.95B |
| Total Debt | 11.00B | 9.30B | 7.95B | 5.16B | 2.24B | 2.29B |
| Total Liabilities | 159.38B | 146.55B | 131.38B | 118.63B | 105.45B | 97.22B |
| Stockholders Equity | 9.84B | 9.13B | 7.77B | 6.89B | 5.49B | 6.70B |
Cash Flow | ||||||
| Free Cash Flow | 8.70B | 13.35B | 12.16B | 14.21B | 9.84B | 2.69B |
| Operating Cash Flow | 8.92B | 13.63B | 12.41B | 14.40B | 9.99B | 2.79B |
| Investing Cash Flow | -15.13B | -13.72B | -19.18B | -12.19B | 1.22B | -556.58M |
| Financing Cash Flow | 1.63B | 821.74M | 2.43B | 2.06B | -355.03M | -444.95M |
Bank Millennium SA Technical Analysis
Price Trends
Market Momentum
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 22.06 is below the 20-day moving average (MA) of 22.36, below the 50-day MA of 22.13, and above the 200-day MA of 19.48, indicating a bullish trend. The MACD of 0.25 indicates Negative momentum. The RSI at 54.07 is Neutral, neither overbought nor oversold. The STOCH value of 73.36 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
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:MIL | Bank Millennium SA | 22.95 | 7.31 | 46.74% | |
| PL:BNP | BNP Paribas Bank Polska Spolka Akcyjna | 169.40 | 63.61 | 60.13% | |
| PL:BHW | Bank Handlowy w Warszawie S.A. | 121.00 | 23.17 | 23.69% | |
| PL:ING | ING Bank Slaski S.A. | 453.80 | 155.57 | 52.17% | |
| PL:ALR | Alior Bank SA | 133.35 | 36.20 | 37.27% |
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