Bank Millennium SA

Chart & Performance

D1W1MN

P/E

23.95

P/S

2.66

EPS

0.59

Div Yield, %

—

Shrs. gr., 5y

—

Rev. gr., 5y

12.83%

Revenues

6.47b

-3.88%

Net income

719m

+24.92%

CFO

12.41b

-13.78%

Dividend

May 05, 20140.22 PLN/sh

Earnings

Jul 24, 2025

Profile

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.

URL

https://www.bankmillennium.pl/

IPO date

Aug 13, 1992

Employees

6,746

Domiciled in

Incorporated in

Valuation

Order:

Title PLN in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title PLN in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	6,470,726 -3.88%	6,732,000 59.65%	4,216,703 10.52%
Cost of revenue	672,014	590,814	833,614
Unusual Expense (Income)
NOPBT	5,798,712	6,141,186	3,383,089
NOPBT Margin	89.61%	91.22%	80.23%
Operating Taxes	155,815	736,770	283,811
Tax Rate	2.69%	12.00%	8.39%
NOPAT	5,642,897	5,404,416	3,099,278
Net income	719,209 24.92%	575,717 -156.75%	(1,014,566) -23.82%
Dividends
Dividend yield
Proceeds from repurchase of equity
BB yield
Debt
Debt current			215,137
Long-term debt		395,658	2,470,304
Deferred revenue			64,772
Other long-term liabilities		4,564,587	(2,640,831)
Net debt	(60,342,215)	(47,224,174)	(28,680,164)
Cash flow
Cash from operating activities	12,411,879	14,395,773	9,994,922
CAPEX	(249,115)	(187,888)	(157,008)
Cash from investing activities	(19,179,868)	(12,187,857)	1,218,949
Cash from financing activities	2,433,392	2,060,342	(355,026)
FCF	5,399,127	6,748,420	2,793,916
Balance
Cash	5,619,181	5,890,456	10,266,352
Long term investments	54,723,034	41,729,376	21,099,253
Excess cash	60,018,679	47,283,232	31,154,770
Stockholders' equity	6,684,137	5,747,414	5,389,209
Invested Capital	132,467,395	117,823,957	104,864,702
ROIC	4.51%	4.85%	3.06%
ROCE	4.17%	4.97%	3.05%
EV
Common stock shares outstanding	1,213,117	1,213,117	1,213,117
Price	8.90 6.46%	8.36 82.53%	4.58 -44.11%
Market cap	10,796,739 6.46%	10,141,656 82.53%	5,556,075 -44.11%
EV	(49,545,476)	(37,082,518)	(22,081,805)
EBITDA	6,024,903	6,352,703	3,592,011
EV/EBITDA
Interest	3,293,183	3,182,284	1,662,606
Interest/NOPBT	56.79%	51.82%	49.14%