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Bank Millennium S.A. (MIL) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Bank Millennium S.A.

MILMarket cap $7.23BPrice $6.0

Country🇵🇱Poland

SectorFinancials

IndustryBanks

Runs one of Poland's largest retail and corporate banks, serving millions of customers through branches and digital platforms. Once battled massive losses from Swiss franc mortgage lawsuits, yet still clawed back to consistent profitability and investor trust.

In Bastion Portfolios?

52W Return+47%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+30%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+2%–

Rev CAGR (5y)+2%2

Earnings Forecast

EPS Growth Y+1+16%8

EPS Growth Y+2+51%9

EPS Growth Y+3+16%8

Quality

Margins

EBIT Margin0%6

Net Income Margin20%8

Free Cash Flow Margin-71%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE14%6

ROA1%3

Earnings Stability88

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)156

P/E Ratio (Forward 3y)117

P/BV2.56

EV Multiples

EV/EBITDA Fwd06

EV/EBIT Fwd06

Yield

Free Cash Flow Yield0.0%5

Dividend Yieldna–

Momentum

Short term

1 month return+7%10

3 month return+15%9

YTD return+38%9

Mid term

Price vs 52wHigh98%10

1 year return+54%9

Long term

3 year return+262%10

5 year return+185%9

Risk Shield

Price Risk

Beta0.86

Volatility31%7

Free Cash Flow

Free Cash Flow Margin-71%1

Free Cash Flow Yield0.0%5

Quality

ROCE13%3

Earnings Stability88

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

MILBank Millennium S.A.

Revenue FY25$2.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+30%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+2%–

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+16%8

EPS growth, FY27E+51%9

EPS growth, FY28E+16%8

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 16%/yr vs revenue 2%/yr), so margins should widen.

WATCH

Revenue grew 30%/yr over the last 3 years; forecasts see it cooling to 2%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MILBank Millennium S.A.

Total return Current308%

Price return Current308%

MOMENTUM RATING↗

VERY STRONG98 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return+15%9

YTD return+38%9

MID & LONG-TERM▾SCORE

% of 52-week high98%10

1-year return+54%9

3-year return+262%10

5-year return+185%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +262% over three years and +185% over five, ahead of 90% of the market.

It's up 54% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+7%), over three months (+15%) and so far this year (+38%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Millennium S.A.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

MILBank Millennium S.A.

Revenue FY25$2.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+30%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+2%–

Revenue, next 5Y, CAGR+2%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E+16%8

EPS growth, FY27E+51%9

EPS growth, FY28E+16%8

GROWTH ASSESSMENT

STRENGTHS

Earnings are set to grow faster than sales (EPS about 16%/yr vs revenue 2%/yr), so margins should widen.

WATCH

Revenue grew 30%/yr over the last 3 years; forecasts see it cooling to 2%/yr.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 2%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 2%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

MILBank Millennium S.A.

Total return Current308%

Price return Current308%

MOMENTUM RATING↗

VERY STRONG98 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+7%10

3-month return+15%9

YTD return+38%9

MID & LONG-TERM▾SCORE

% of 52-week high98%10

1-year return+54%9

3-year return+262%10

5-year return+185%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +262% over three years and +185% over five, ahead of 90% of the market.

It's up 54% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+7%), over three months (+15%) and so far this year (+38%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Millennium S.A.. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community