Bank Handlowy w Warszawie SA

Bank Handlowy w Warszawie SA

BHW · WAR · Financial Services / Banks - Regional

121.4PLN+0.20 (+0.17%)

Price History

Full chart

Market Stats

Previous Close121.2
Open121.2
Day Range119.8 – 121.8
52-Week Range91.98 – 128.4
Volume33.15K
Market Cap15.65B
P/E (TTM)10.05
Forward P/E12.94
EPS11.94
Dividend Yield19.61%
Beta0.57
50-Day Avg120.92
200-Day Avg118.1

About

Bank Handlowy w Warszawie S.A., together with its subsidiaries, provides a range of banking services for individual and corporate clients in Poland and internationally. The company operates in two segments, the Institutional Bank and Consumer Bank. The Institutional Bank segment offers traditional banking services, including credit and deposit services; cash management, trade financing, leasing, brokerage, and custody services in securities; treasury products on financial and commodity markets; investment banking services on the local and international capital markets, such as advisory services and underwriting financing via public and non-public issues of financial instruments; and proprietary transactions in the equity, debt, and derivative instruments markets to business entities, local government units, and the public sector. The Consumer Bank segment provides bank accounts, credit, deposits, cash loans, mortgage loans, credit cards, and asset management services, as well as acts as an agent in the sale of investment and insurance products to individuals, micro-enterprises, and individual entrepreneurs. The company was founded in 1870 and is headquartered in Warsaw, Poland. Bank Handlowy w Warszawie S.A. is a subsidiary of Citibank Europe plc.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMs. Elzbieta Swiatopelk-Czetwertynska
  • Employees3.04K
  • Headquartersul. Senatorska 16, Warsaw, Poland, 00-923, Poland
  • Websitehttps://www.citibank.pl

Leadership

  • Ms. Elzbieta Swiatopelk-CzetwertynskaMD, Citi Country Officer of Poland, CEO of Citi Handlowy & President of the Management Board
  • Ms. Barbara SobalaVice President of Management Board
  • Mr. Maciej KropidlowskiVice President of Management Board
  • Mr. Andrzej WilkDeputy CEO & VP of Management Board
  • Mr. Patrycjusz WojcikVice President of the Management Board
  • Mr. Tomasz DziurzynskiMember of the Management Board
  • Mr. Sebastian PerczakMember of the Management Board
  • Mr. Adam PiotrakInvestor Relations Head

Financials

Income Statement

Line item2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue2.96B2.36B2.95B2.55B2.44B3.23B2.63B2.46B3.38B3.03B2.47B2.39B2.39B2.38B2.39B2.50B2.12B2.48B4.28B5.67B5.72B4.17B
Cost of Revenue2.96B-605.82M-596.00K-593.56M--6.64M587.98M404.18M-255.81M255.03M269.26M196.94M252.75M-36.19M591.93M1.12B1.20B1.03B
Gross Profit-2.36B2.34B2.56B2.44B2.63B2.63B2.47B2.79B2.63B2.47B2.13B2.13B2.11B2.19B2.25B2.12B2.45B3.68B4.55B4.51B3.14B
Operating Income643.78M757.63M832.11M989.66M906.33M655.27M1.18B994.66M1.24B1.22B1.16B790.77M764.33M707.08M828.67M658.19M763.87M950.94M1.99B2.86B2.32B2.15B
EBITDA765.62M916.44M962.30M1.14B856.28M734.11M1.00B979.82M1.30B1.28B1.24B861.20M834.25M780.17M900.05M744.69M423.93M1.06B2.10B2.97B2.43B2.19B
Net Income494.96M618.10M657.06M824.22M600.43M504.40M754.81M736.41M970.13M972.71M947.31M626.42M601.58M535.57M638.85M480.12M172.40M717.47M1.55B2.26B1.76B1.67B
Interest Expense-648.50M605.82M772.43M952.87M593.56M474.59M493.04M587.98M404.18M325.13M255.81M255.03M269.26M196.94M252.75M117.20M36.19M591.93M1.12B1.20B1.00B

Balance Sheet

Line item2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets34.08B32.88B35.99B38.91B42.55B37.63B37.52B42.28B43.51B45.40B49.84B49.51B45.21B43.04B49.30B51.98B60.94B61.86B68.47B72.57B72.48B78.85B
Total Liabilities27.84B27.63B30.57B33.30B36.92B31.43B31.02B35.83B36.12B38.09B42.43B42.66B38.42B36.10B42.25B44.90B53.36B54.48B60.51B62.84B62.61B68.81B
Total Equity6.24B5.25B5.42B5.60B5.63B6.20B6.49B6.44B7.39B7.31B7.41B6.85B6.79B6.94B7.06B7.07B7.58B7.38B7.96B9.73B9.87B10.04B
Cash-7.32B535.62M3.32B3.53B4.11B3.21B1.16B1.62B1.74B2.14B2.39B678.21M520.38M7.86B4.18B4.52B6.62B1.64B1.30B5.83B9.21B
Total Debt4.96B------582.31M324.95M374.90M351.53M198.20M128.03M36.47M1.33M143.27M138.38M125.67M121.81M113.10M1.19B3.99B
Net Debt4.96B-7.32B-535.62M-3.32B-3.53B-4.11B-3.21B-574.44M-1.30B-1.36B-1.79B-2.19B-550.18M-483.92M-7.86B-4.04B-4.38B-6.49B-1.52B-1.19B-4.64B-5.22B

Cash Flow

Line item2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow202.03M2.19B557.18M2.64B297.35M913.23M-55.37M-1.44B1.13B360.12M1.57B1.78B-951.21M622.53M7.64B-3.10B837.00M2.25B-5.04B1.42B5.13B1.05B
Investing Cash Flow569.72M-90.86M122.51M-82.80M-70.85M-20.21M-27.31M-69.58M-56.27M-79.94M-15.05M-48.81M-42.90M-88.16M-116.76M-69.03M-106.40M-36.42M-113.16M-197.63M-142.82M-1.64B
Financing Cash Flow-1.01B-2.06B-360.27M-121.17M-418.59M-366.23M-752.06M-769.30M-553.08M-702.77M-958.25M-1.12B-692.03M-680.19M-572.95M-504.27M-13.84M-168.45M-726.29M-1.19B-434.37M4.23B
Capital Expenditure96.07M125.41M64.36M95.30M93.95M47.29M55.29M78.32M119.00M91.47M47.14M55.38M44.39M131.25M127.13M101.04M119.37M85.79M142.79M209.57M171.62M43.81M
Free Cash Flow105.96M2.06B492.82M2.54B203.40M865.95M-110.66M-1.52B1.01B268.66M1.52B1.72B-995.60M491.27M7.51B-3.21B717.63M2.16B-5.18B1.22B4.96B1.00B
Dividends Paid241.72M1.56B470.38M535.70M621.60M54.00K492.59M747.37M360.90M756.52M934.60M970.92M611.59M592.21M537.01M488.67M156.79M156.79M714.71M1.18B1.45B1.79B

Earnings

Report DateMar 31, 2007Jun 30, 2007Sep 30, 2007Feb 7, 2008Mar 31, 2008Aug 12, 2008Nov 5, 2008Feb 12, 2009Mar 31, 2009Aug 13, 2009Nov 4, 2009Mar 17, 2010Mar 31, 2010Aug 6, 2010Nov 10, 2010Feb 10, 2011May 12, 2011Aug 9, 2011Nov 1, 2011Feb 7, 2012May 14, 2012Aug 14, 2012Nov 5, 2012Mar 20, 2013May 9, 2013Aug 8, 2013Nov 7, 2013Mar 20, 2014May 9, 2014Aug 1, 2014Nov 5, 2014Feb 12, 2015May 8, 2015Aug 13, 2015Nov 9, 2015Feb 17, 2016May 13, 2016Aug 24, 2016Nov 14, 2016Feb 14, 2017Apr 7, 2017Aug 22, 2017Nov 14, 2017Feb 14, 2018May 11, 2018Aug 23, 2018Nov 14, 2018Feb 14, 2019May 6, 2019Aug 22, 2019Nov 14, 2019Feb 13, 2020May 14, 2020Aug 25, 2020Nov 6, 2020Feb 11, 2021Apr 29, 2021Aug 20, 2021Nov 9, 2021Feb 17, 2022May 9, 2022Jul 15, 2022Nov 14, 2022Feb 8, 2023May 11, 2023Aug 30, 2023Nov 10, 2023Feb 14, 2024May 9, 2024Aug 30, 2024Nov 13, 2024Mar 13, 2025May 7, 2025Aug 28, 2025Nov 13, 2025Mar 18, 2026May 6, 2026Aug 27, 2026
EPS Estimate---1.48-1.631.631.43-0.780.771.09-1.341.42-1.571.521.35-1.491.471.601.74-1.701.25-1.611.771.541.681.631.521.261.430.61-----------------------------------------
EPS Actual1.511.851.371.591.381.304.620.940.350.553.080.781.161.511.621.491.391.161.401.691.861.771.921.872.722.301.261.161.902.041.751.571.661.151.080.910.801.701.111.000.331.211.311.251.121.401.211.160.461.020.871.380.200.680.88-0.443.020.560.711.202.163.832.173.674.624.684.533.443.483.024.172.823.331.273.604.572.962.46
Surprise---7.43%--20.25%183.44%-34.27%--29.49%300.00%-28.44%-12.69%14.08%--11.46%-23.68%3.70%-24.83%20.41%20.00%7.47%-35.29%0.80%-18.01%15.25%13.64%-6.61%1.84%-24.38%-14.29%-36.69%31.15%-----------------------------------------
Timing---Pre-market-Pre-marketPre-marketPre-market-Pre-marketPre-marketPre-market-Pre-marketPre-market-Pre-marketPre-marketAfter-hours-After-hoursAfter-hoursAfter-hoursAfter-hours-After-hoursPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketAfter-hours--After-hours-Pre-market-Pre-market-

Key Statistics & Ratios

Market Cap15.65B
Enterprise Value5.17B
Trailing P/E10.05
Forward P/E12.94
PEG Ratio1.54
Price / Sales5.09
Price / Book1.74
EPS11.94
Book Value71.44
Revenue (TTM)3.07B
Gross Profit (TTM)3.07B
Profit Margin57.69%
Operating Margin61.63%
Return on Equity16.72%
Return on Assets1.98%
Shares Outstanding130.39M
Shares Float32.48M
Beta0.57
Dividend Yield19.61%
Dividend Rate23.53
Payout Ratio97.46%

Dividends

20261×
9.80Jun 24, 2026
20252×
3.44Oct 20, 202510.29Jul 4, 2025
20241×
11.15Jun 26, 2024
20231×
9.00May 5, 2023
20221×
5.47Jun 30, 2022
20211×
1.20Sep 14, 2021
20191×
3.74Jun 12, 2019
20181×
4.11Jun 15, 2018
20171×
4.53Jun 30, 2017
20161×
4.68Jul 1, 2016
20151×
7.43Jul 3, 2015
20141×
7.15Jul 3, 2014
20131×
5.79Jul 3, 2013
20121×
2.76Jul 3, 2012
20111×
5.72Jun 14, 2011
20101×
3.77Jul 1, 2010
20081×
4.75Jul 2, 2008
20071×
4.10Jul 3, 2007
20061×
3.60Jul 3, 2006
20051×
8.80Jul 21, 2005
20041×
1.85Jul 22, 2004
20031×
1.85Jul 23, 2003
20021×
1.25Jul 24, 2002