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Bank Millennium S.a. financial health, profit and balance sheet · Scorvest

Poland

Bank Millennium S.a.

Fiscal year ends in December · Figures in PLN

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In shortBank Millennium S.a. is loss-making.

Financial health

Weak

Built from five areas over the last five annual reports. Tap an area to see the figures behind it. Bank or insurer: tests that do not apply to them are left out.

How is this score calculated? →

Profitability0

Operating marginShare of each sale left after running the business, before interest and tax.	–	n/a
Net marginShare of each sale left as profit after every cost, interest and tax.	–	n/a
Return on equityProfit earned on the money shareholders put in. Above 15% is strong.	-16.6%	0/100

Weight in the score: 25%

Balance sheet12
Equity / assets 5.0% 12/100
Weight in the score: 25%

Equity / assets	5.0%	12/100

Cash generation–

Free cash flow marginCash left from each sale after investments. The money that can pay dividends or reduce debt.	–	n/a
Free cash flow / net incomeHow much accounting profit turns into real cash. Near 1 or above is healthy.	–	n/a
Years with positive free cash flow (last 5)	2 of 4	n/a

Weight in the score: 20%

Stability50
Profitable years (last 5) 2 of 4 50/100
Years of revenue decline (last 5) – n/a
Revenue growth volatility – n/a
Operating margin volatility – n/a
Weight in the score: 20%
Growth–
Revenue growth, 3-year average – n/a
EPS growth, 3-year average – n/a
Weight in the score: 10%

Profitable years (last 5)	2 of 4	50/100
Years of revenue decline (last 5)	–	n/a
Revenue growth volatility	–	n/a
Operating margin volatility	–	n/a

Revenue growth, 3-year average	–	n/a
EPS growth, 3-year average	–	n/a

Fiscal year 2022 · change vs prior year

Revenue: –; –
Net income: −zł 1.0B; ▲ 23.8%
Total assets: zł 110.9B; ▲ 6.8%
Operating margin: –; –
Cash & investments: zł 14.2B; –
Total debt: –; –
Diluted EPS: –; –
Return on equity: −16.6%; –

European data comes from annual reports in ESEF format (since 2020). Industry and ticker are not provided by this source.

Trends

Annual figures as reported. Hover a bar or point for the exact value.

Revenue and net income

RevenueNet income

Margins

No data reported.

Cash versus debt

Statements

The last 4 fiscal years from the company's annual reports.

PLN millions; negative values in parentheses.

Fiscal year	FY19	FY20	FY21	FY22
Interest expense	938	544	129	1,663
Pre-tax income	835	211	(1,001)	(731)
Income tax	275	188	331	284
Net income	561	23	(1,332)	(1,015)
Diluted shares (millions)	–	–	1,213	1,213

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Risk checks

Altman Z'' score

Not computed: the model does not apply to banks and insurers.

Piotroski F-score

Not computed: it needs two consecutive complete years.

Sources

Annual reportPeriod ending Dec 31, 2022Open the report ↗
Annual reportPeriod ending Dec 31, 2021Open the report ↗
Annual reportPeriod ending Dec 31, 2020Open the report ↗

All figures: filings.xbrl.org (ESEF). Ratios and scores are computed by Scorvest (see how it works). Information only, not investment advice. How it works

Latest annual report: Dec 31, 2022 · Data updated Dec 31, 2022