profit from every PLN 100 of sales.
PLN 0PLN 100
Bank Millennium
PLN 23.80+2.45% today
+49.7% in 1 year
1-year low PLN 15.651-year high PLN 23.80
Trading close to its highest price of the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay PLN 24.00 for every PLN 1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Bank Millennium sold, what it kept, and what it did with the cash.
Sales went from PLN 4.21 billion in 2022 to PLN 7.20 billion in 2025, with PLN 1.20 billion of profit last year.
SalesProfit
Bank Millennium vs. similar companies
Bank Millennium grows in the middle of these 5 and is the most expensive for its profits.
| Company | Profit from PLN 100 of sales | Sales growth a year | Price per PLN 1 of profit |
|---|---|---|---|
| Bank Millennium | 24.0× · Fair price | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Bank Millennium's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of PLN | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 4,208 | 6,975 | 6,874 | 7,200 | |
| – | – | – | – | |
| – | – | – | – | |
| – | – | – | – | |
| -1,015 | 576 | 719 | 1,202 | |
| -0.84 | 0.47 | 0.59 | 0.99 | |
| – | – | – | – | |
| – | – | – | – | |
| -24.1% | 8.3% | 10.5% | 16.7% |
Balance sheet
| In millions of PLN | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 110,942 | 125,291 | 138,864 | 155,673 |
| Cash | 10,266 | 5,888 | 5,619 | 4,710 |
| Total debt | 2,236 | 5,387 | 8,298 | 9,850 |
| Total liabilities | 105,448 | 118,486 | 131,182 | 146,548 |
| 5,494 | 6,805 | 7,682 | 9,126 | |
| 1,213 | 1,213 | 1,213 | 1,213 | |
| – | – | – | – | |
| -18.5% | 8.5% | 9.4% | 13.2% |
Cash flow
| In millions of PLN | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 9,995 | 14,396 | 10,282 | 13,626 | |
| 157 | 188 | 222 | 276 | |
| 9,838 | 14,208 | 10,060 | 13,350 | |
| Dividends paid | – | – | – | – |
| 0 | 0 | 0 | 0 | |
| – | – | – | – |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 24.0×
- –
- –
- 2.6×
- 4.0×
- 4.2%
- –
Profitability
- 16.7%
- –
- –
- –
- –
Growth
- +19.6%
- –
- –
- +0.0%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Bottom 24%of 874
Top 27%of 887
Top 3%of 933
News
China’s central bank vows ample liquidity and yuan stability in Q3 monetary policy reportSeeking Alpha · Nov 12, 2026Mitsui Chemicals to buy chip materials maker JSR with Development Bank of Japan in $8.8B dealSeeking Alpha · Nov 9, 2026Bank of America has unexpected advice for tech stock investors after midtermsYahoo Finance · Nov 8, 2026Paraguay’s bank collapse topples president, raises investor risksSeeking Alpha · Nov 7, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
Not enough data
Questions about Bank Millennium
Is Bank Millennium a good stock to buy?
A solid business at a fair price. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Bank Millennium AI analysis
What does Bank Millennium do?
Bank Millennium is a Polish retail and corporate bank. It is in Banks - Regional, based in Warsaw, Poland, with 6,885 employees.
Is Bank Millennium stock halal?
No. Bank Millennium does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Bank Millennium stock done over the past year?
Up 49.7% over the past twelve months, to PLN 23.80. It traded between PLN 15.65 and PLN 23.80, close to its high.
Who are Bank Millennium's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Bank Millennium's.
Prices: daily closes to Nov 10, 2026. Fundamentals: company reports via invest-like data.