Bank Millennium stock
MIL.WAWSEBank Millennium S.A., Financial ServicesISIN PLBIG0000016
74Score 74 out of 100, Strong
Price and trend
87 / 100
Price history
+52% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 23% above it.
Since January 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 64).
The price is at its 52-week high. Largest decline in 20 years: 91% (October 2007 to February 2009).
Chart figures for advanced users
- SMA 50$5.65
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$4.96
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)64
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$3.73
- The lowest closing price of the last twelve months.
- Resistance$6.08
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Bank Millennium S.A. belongs to the Banks (Regional) industry (Poland) and, with a market value of $7.37B, is number 140 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $302.4M (up 67.1% year on year).
- For fiscal 2026, analysts expect on average adjusted earnings per share of $0.34.
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- MEQIRI Score 74 out of 100 (Strong): rank 265 of 975 in Financial Services, median 68.
- The P/E is 20.1 (Banks (Regional) median 12.2, own median of recent years 15.5).
- Our model puts fair value at $2.42, with the price 152% above it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 121% a year since 2020.Growth 100
Weaknesses
- Above fair valuePrice 152% above the fair value of $2.42.Valuation 38
- Richly valuedP/E 20.1, Banks (Regional) median 12.2, own median 15.5.Valuation 38
Its standout strengths are growth and momentum, while valuation holds the score back.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among smaller stocks.
From 2016 to 2025, 14 in 100 such stocks fell 30% or more within a year, against a group average of 23 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- calm price action
- price near its 52-week high
- stable momentum
Valuation
Valuation signal
Significantly overvaluedIn our model the price counts as cheap below $1.73 and expensive above $4.03 (uncertainty high, one part of the fair value is more than twice the other).
The two parts of the fair value come to $1.14 (excess return model) and $3.69 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is above both.
Calculated with a cost of equity of 10.6%. At 11.6% the fair value would be $2.32, at 9.6% it would be $2.56.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 2.6% on the twelve months before. Revenue has grown solidly since 2006, at about 9% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 22%, net 17%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 2 Feb 2027in 81 days
- Last reported
- 27 Oct 2026EPS reported $0.14
Analyst estimates
- Earnings per share
- $0.34+6.4%
- Revenue
- $1.74B+2.4%
- Earnings per share
- $0.50+4.0%
- Revenue
- $1.86B+3.1%
MEQIRI has stored the estimates since 25 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
What happened at Bank Millennium
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 74
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- IndusInd BankINDUSINDBK.NS $7.71B47
- Bank of MaharashtraMAHABANK.NS $7.5B77
- Banca GeneraliBGN.MI $7.42B77
- IDFC First BankIDFCFIRSTB.NS $7.42B60
- Kyoto Financial Group,Inc.5844.T $7.35B67
- KakaoBank323410.KS $7.23B55
- Hachijuni Bank8359.T $7.1B68
- BNP Paribas Bank PolskaBNP.WA $6.94B78
ETFs that hold Bank Millennium
Held by 36 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares MSCI Poland UCITS ETFIBCJ | 2.58% | 0.74% | €998.89M |
| iShares STOXX Europe Small 200 UCITS ETF (DE)EXSE | 0.45% | 0.20% | €632.25M |
| iShares STOXX Europe 600 Banks UCITS ETF (DE)EXV1 | 0.16% | 0.46% | €2.98B |
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| WisdomTree Emerging Markets ex-State Owned Enterprises UCITS ETF AccumUSDXSOE | 0.08% | 0.32% | €17.98M |
| Avantis Emerging Markets Equity UCITS ETF USD AccAVEM | 0.07% | 0.35% | €284.54M |
| iShares Core MSCI EM IMI UCITS ETFIS3N | 0.04% | 0.18% | €37.98B |
| L&G Europe ex UK Equity UCITS ETFETLN | 0.03% | 0.10% | €458.82M |
| iShares MSCI EM UCITS ETF USD (Acc)EUNM | 0.03% | 0.18% | €9.24B |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = PLN 3.9742)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 27 Oct 2026)
- Valuation signal Overvalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.