Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
MIL.WA
HOLDREMOVEBank Millennium S.A. · Financial Services · Poland · $6.6B · Avg Vol: $4M/d
Bank Millennium is a regional Polish bank with no alignment to our core structural macro themes. Banking is highly leveraged and sensitive to local regulatory and interest rate cycles, lacking a global moat.
COMPANY DESCRIPTION
Bank Millennium S.A. provides retail and corporate banking services, including consumer loans, mortgages, and asset management in Poland. The bank maintains a competitive edge through its strong digital banking capabilities and highly recognized consumer brand. It is a mid-sized universal bank, majority-owned by Portugal's Millennium BCP, focusing on organic growth and digital transformation.
FINANCIAL SUMMARY (USD)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR |
|---|---|---|---|---|---|
| Revenue | 1.2B | 1.9B | 1.9B | 2.0B | 19.6% |
| EPS | -0.23 | 0.13 | 0.16 | 0.27 | 45.1% |
| Shares | 1.2B | 1.2B | 1.2B | 1.2B | 0.0% |
| Debt | 617M | 1.5B | 2.3B | 2.7B | 63.9% |
| Equity | 1.5B | 1.9B | 2.1B | 2.5B | 18.4% |
| Op CF | 2.8B | 4.0B | 2.8B | 3.8B | 10.9% |
| Inv CF | 336M | -3.4B | -3.8B | -3.8B | — |
| Fin CF | -98M | 568M | 603M | 227M | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of MIL.WA are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| MIL.WA | Bank Millennium S.A.(you) | $6.6B | 57 | HOLD |
| BHW.WA | Bank Handlowy w Warszawie S.A. | $4.5B | 63 | HOLD |
| ING.WA | ING Bank Slaski S.A. | $15.7B | 59 | HOLD |
| BNP.WA | BNP Paribas Bank Polska S.A. | $5.9B | 74 | BUY |
| MBK.WA | mBank S.A. | $15.0B | 65 | HOLD |
| EBP.WA | Erste Bank Polska S.A. | $17.3B | 70 | BUY |
| PEO.WA | Bank Polska Kasa Opieki S.A. | $17.5B | 71 | BUY |
| PKO.WA | Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna | $35.5B | 69 | BUY |
| BOS.WA | Bank Ochrony Srodowiska S.A. | $257M | 23 | SELL |
| ALR.WA | Alior Bank S.A. | $4.5B | 65 | HOLD |
Peer medians: ROE 16.3% · P/E 9.3x · Gross margin 5.6%