Santander Bank Polska (SPL.WA) Stock Price

Santander Bank Polska Price

GPW·CLOSED
637.00PLN-10.60 (-1.65 %)
Market closed

Revenue has compounded at 10.4% per year over the past 19 years to 16.88 B PLN. Earnings per share have grown at 10.0% per year over the last 19 years. Santander Bank Polska's net margin stands at 38.4%, up from 11.3% several years earlier. Santander Bank Polska currently offers a dividend yield of about 7.28%. The payout ratio is around 73% of earnings. The dividend has grown at 11.4% per year over the past 19 years. Analysts set a median price target of 581.40 PLN, implying 8.7% below the current price. Of 12 analysts, 5 rate the stock a buy — an overall Hold consensus. The stock trades about 36% above its 52-week low.

Santander Bank Polska stock price

Volume
Ex-Dividend
Details

Stock Price

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How to Read This Chart

This chart tracks the historical stock price of Santander Bank Polska over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Santander Bank Polska stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Santander Bank Polska's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Santander Bank Polska Stock Price History
DateSantander Bank Polska Price
6/29/2026637.00 PLN
6/26/2026647.60 PLN
6/25/2026646.40 PLN
6/24/2026642.20 PLN
6/23/2026644.80 PLN
6/22/2026642.00 PLN
6/19/2026648.00 PLN
6/18/2026643.80 PLN
6/17/2026652.40 PLN
6/16/2026645.00 PLN
6/15/2026634.20 PLN
6/12/2026638.80 PLN
6/11/2026613.80 PLN
6/10/2026609.00 PLN
6/9/2026609.20 PLN
6/8/2026610.20 PLN
6/5/2026600.20 PLN
6/3/2026607.00 PLN
6/2/2026602.80 PLN
6/1/2026596.00 PLN
5/29/2026613.60 PLN
5/28/2026611.40 PLN
5/27/2026613.60 PLN
5/26/2026613.20 PLN
5/25/2026619.00 PLN
5/22/2026606.80 PLN
5/21/2026591.80 PLN
5/20/2026590.60 PLN
5/19/2026576.80 PLN
5/18/2026593.00 PLN
5/15/2026584.00 PLN
5/14/2026609.60 PLN
5/13/2026579.00 PLN
5/12/2026564.40 PLN
5/11/2026620.60 PLN
5/8/2026613.20 PLN
5/7/2026625.40 PLN
5/6/2026634.20 PLN
5/5/2026611.40 PLN
5/4/2026611.40 PLN
4/30/2026616.00 PLN
4/29/2026624.20 PLN
4/28/2026625.80 PLN
4/27/2026620.00 PLN
4/24/2026629.80 PLN
4/23/2026637.60 PLN
4/22/2026646.20 PLN
4/21/2026654.60 PLN
4/20/2026656.00 PLN
4/17/2026667.40 PLN
4/16/2026654.00 PLN
4/15/2026655.80 PLN
4/14/2026658.40 PLN
4/13/2026651.20 PLN
4/10/2026658.60 PLN
4/9/2026639.60 PLN
4/8/2026643.40 PLN
4/7/2026606.00 PLN
4/2/2026601.00 PLN
4/1/2026600.00 PLN
3/31/2026583.00 PLN
3/30/2026572.20 PLN
3/27/2026580.40 PLN
3/26/2026571.00 PLN
3/25/2026573.20 PLN
3/24/2026565.00 PLN
3/23/2026572.40 PLN
3/20/2026555.40 PLN
3/19/2026555.60 PLN
3/18/2026559.60 PLN
3/17/2026560.00 PLN
3/16/2026548.60 PLN
3/13/2026548.20 PLN
3/12/2026553.40 PLN
3/11/2026557.60 PLN
3/10/2026557.60 PLN
3/9/2026545.20 PLN
3/6/2026548.60 PLN
3/5/2026563.00 PLN
3/4/2026563.40 PLN
3/3/2026558.00 PLN
3/2/2026582.20 PLN
2/27/2026591.20 PLN
2/26/2026600.20 PLN
2/25/2026605.00 PLN
2/24/2026599.20 PLN
2/23/2026612.20 PLN
2/20/2026605.60 PLN
2/19/2026601.60 PLN
2/18/2026610.00 PLN
2/17/2026600.80 PLN
2/16/2026598.00 PLN
2/13/2026587.00 PLN
2/12/2026606.00 PLN
2/11/2026593.00 PLN
2/10/2026590.00 PLN
2/9/2026587.80 PLN
2/6/2026580.00 PLN
2/5/2026583.20 PLN
2/4/2026602.60 PLN
2/3/2026603.40 PLN
2/2/2026574.20 PLN
1/30/2026559.20 PLN
1/29/2026553.60 PLN
1/28/2026565.20 PLN
1/27/2026570.20 PLN
1/26/2026558.00 PLN
1/23/2026546.80 PLN
1/22/2026560.00 PLN
1/21/2026540.80 PLN
1/20/2026534.00 PLN
1/19/2026540.80 PLN
1/16/2026541.40 PLN
1/15/2026542.00 PLN
1/14/2026542.80 PLN
1/13/2026550.40 PLN
1/12/2026559.60 PLN
1/9/2026556.20 PLN
1/8/2026567.20 PLN
1/7/2026569.20 PLN
1/5/2026556.20 PLN
1/2/2026560.20 PLN
12/30/2025545.40 PLN
12/29/2025543.80 PLN
12/23/2025542.40 PLN
12/22/2025544.00 PLN
12/19/2025538.80 PLN
12/18/2025520.40 PLN
12/17/2025523.80 PLN
12/16/2025522.80 PLN
12/15/2025524.80 PLN
12/12/2025516.00 PLN
12/11/2025511.60 PLN
12/10/2025497.50 PLN
12/9/2025494.00 PLN
12/8/2025483.90 PLN
12/5/2025479.00 PLN
12/4/2025482.00 PLN
12/3/2025482.00 PLN
12/2/2025481.70 PLN
12/1/2025511.60 PLN
11/28/2025515.00 PLN
11/27/2025518.00 PLN
11/26/2025516.00 PLN
11/25/2025510.20 PLN
11/24/2025492.00 PLN
11/21/2025490.70 PLN
11/20/2025498.30 PLN
11/19/2025498.00 PLN
11/18/2025483.90 PLN
11/17/2025491.80 PLN
11/14/2025495.10 PLN
11/13/2025501.20 PLN
11/12/2025508.20 PLN
11/10/2025495.40 PLN
11/7/2025504.60 PLN
11/6/2025503.20 PLN
11/5/2025491.10 PLN
11/4/2025497.20 PLN
11/3/2025496.50 PLN
10/31/2025487.20 PLN
10/30/2025503.00 PLN
10/29/2025503.20 PLN
10/28/2025512.60 PLN
10/27/2025503.60 PLN
10/24/2025505.20 PLN
10/23/2025507.60 PLN
10/22/2025507.00 PLN
10/21/2025497.80 PLN
10/20/2025491.20 PLN
10/17/2025482.00 PLN
10/16/2025482.20 PLN
10/15/2025495.10 PLN
10/14/2025482.00 PLN
10/13/2025481.60 PLN
10/10/2025489.80 PLN
10/9/2025486.10 PLN
10/8/2025486.70 PLN
10/7/2025486.60 PLN
10/6/2025482.50 PLN
10/3/2025491.60 PLN
10/2/2025491.00 PLN
10/1/2025487.80 PLN
9/30/2025472.80 PLN
9/29/2025474.80 PLN
9/26/2025483.80 PLN
9/25/2025467.20 PLN
9/24/2025470.30 PLN
9/23/2025475.30 PLN
9/22/2025470.60 PLN
9/19/2025485.80 PLN
9/18/2025483.10 PLN
9/17/2025488.00 PLN
9/16/2025490.40 PLN
9/15/2025504.40 PLN
9/12/2025496.90 PLN
9/11/2025503.80 PLN
9/10/2025495.00 PLN
9/9/2025502.20 PLN
9/8/2025507.60 PLN
9/5/2025492.90 PLN
9/4/2025501.80 PLN
9/3/2025496.90 PLN
9/2/2025502.80 PLN
9/1/2025493.00 PLN
8/29/2025506.00 PLN
8/28/2025514.00 PLN
8/27/2025519.20 PLN
8/26/2025529.40 PLN
8/25/2025523.00 PLN
8/22/2025509.80 PLN
8/21/2025555.40 PLN
8/20/2025550.00 PLN
8/19/2025555.20 PLN
8/18/2025545.00 PLN
8/14/2025549.00 PLN
8/13/2025567.20 PLN
8/12/2025572.20 PLN
8/11/2025564.00 PLN
8/8/2025567.60 PLN
8/7/2025553.20 PLN
8/6/2025539.80 PLN
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Santander Bank Polska Revenue, Pre-Provision Profit, Net Income

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  • Max

Revenue
Pre-Provision Profit
Net Income
Details
Date
Revenue
Pre-Provision Profit
Net Income
Jan 1, 2022
13.37 B PLN
5.25 B PLN
2.80 B PLN
Jan 1, 2023
17.02 B PLN
8.00 B PLN
4.83 B PLN
Jan 1, 2024
16.16 B PLN
7.96 B PLN
5.21 B PLN
Jan 1, 2025
16.88 B PLN
8.85 B PLN
6.48 B PLN
Jan 1, 2026 (e)
15.88 B PLN
0.00 PLN
5.19 B PLN
Jan 1, 2027 (e)
16.60 B PLN
0.00 PLN
6.50 B PLN
Jan 1, 2028 (e)
17.30 B PLN
0.00 PLN
7.18 B PLN
Jan 1, 2029 (e)
17.54 B PLN
0.00 PLN
6.61 B PLN

Santander Bank Polska Income Statement, Balance Sheet, Cash Flow Statement

Last updated Aug 5, 2026, 2:29 PM
 
REVENUEB PLN
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB PLN
Net Interest IncomeB PLN
Non-Interest IncomeB PLN
Loan Loss ProvisionsB PLN
Pre-Provision Profit (PPOP)B PLN
NET INCOMEB PLN
NET INCOME GROWTH%
DIV.PLN
DIV. GROWTH%
SHARESM
2014201520162017201820192020202120222023202420252026e2027e2028e2029e
8.679.449.449.5910.6811.9110.2010.2516.2522.3123.0221.3415.8816.6017.3017.54
3.888.94-0.051.6111.3811.49-14.300.4358.6037.303.15-7.27-25.604.574.171.42
129.74119.09119.15117.26105.2894.43110.18109.7169.1750.3848.8452.6869.1769.1769.1769.17
11.2411.2411.2411.2411.2411.2411.2411.2411.2411.2411.2411.2410.9811.4911.9612.13
4.004.314.775.285.746.585.895.969.6513.1212.2712.70––––
2.943.733.373.063.463.443.313.883.713.903.894.17––––
0.840.810.790.691.091.221.641.000.891.150.720.59––––
3.483.993.914.034.514.463.523.065.258.007.968.85––––
1.922.332.172.212.362.141.041.112.804.835.216.485.196.507.186.61
-3.3821.51-6.882.126.78-9.52-51.507.23151.7172.607.8924.29-19.8725.2410.41-7.95
10.70–13.00––19.72–4.325.3646.5089.2646.3755.6466.7780.13–
40.79–––––––24.07767.5491.96-48.0519.9920.0020.01–
96.0099.0099.0099.00100.00102.00102.00102.00102.19102.19102.19102.19102.19102.19102.19102.19
Details

Income Statement Key Figures

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Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Santander Bank Polska generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Santander Bank Polska retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Santander Bank Polska's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Santander Bank Polska has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Santander Bank Polska's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Santander Bank Polska stock margins

The Santander Bank Polska margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Santander Bank Polska. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Santander Bank Polska.

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Cost-Income Ratio
Profit margin
Details
Date
Cost-Income Ratio
Profit margin
Jan 1, 2021
68.92 %
11.29 %
Jan 1, 2022
60.74 %
20.94 %
Jan 1, 2023
53.00 %
28.38 %
Jan 1, 2024
50.75 %
32.26 %
Jan 1, 2025
47.59 %
38.39 %
Jan 1, 2026 (e)
0.00 %
32.69 %
Jan 1, 2027 (e)
0.00 %
39.16 %
Jan 1, 2028 (e)
0.00 %
41.50 %

Santander Bank Polska Revenue per Share, Earnings per Share

The Santander Bank Polska earnings per share therefore indicates how much revenue Santander Bank Polska has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.

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  • Max

Revenue per Share
Earnings per Share
Details
Date
Revenue per Share
Earnings per Share
Jan 1, 2021
96.53 PLN
10.90 PLN
Jan 1, 2022
130.80 PLN
27.39 PLN
Jan 1, 2023
166.56 PLN
47.28 PLN
Jan 1, 2024
158.13 PLN
51.01 PLN
Jan 1, 2025
165.16 PLN
63.40 PLN
Jan 1, 2026 (e)
155.39 PLN
50.81 PLN
Jan 1, 2027 (e)
162.48 PLN
63.62 PLN
Jan 1, 2028 (e)
169.26 PLN
70.25 PLN

Santander Bank Polska business model & stock analysis

Santander Bank Polska SA is a Polish bank that was founded on October 23, 1988. It was initially called Bank Zachodni SA and has undergone several name changes over the years until its current name in 2018. The bank employs nearly 17,000 people and serves over 5 million customers in Poland and internationally. The business model of Santander Bank Polska SA is based on four main areas: Retail Banking, Corporate & Investment Banking, Asset Management, and Santander Consumer Finance. Each of these areas is focused on different customers and market segments. The company has heavily focused on Retail Banking in recent years and has established itself as one of the leading banks in the Polish market. In Retail Banking, the bank offers various products and services tailored to the needs of its customers. These include savings accounts, checking accounts, credit cards, online banking, and various credit and financing solutions. The bank also offers insurance products such as car insurance and home insurance to support its customers in all their financial needs. In Corporate & Investment Banking, the company supports small and medium-sized enterprises as well as large corporations in financing deals and investments. This includes syndicated loans, trade finance, foreign exchange and interest rate hedging, and advisory services for mergers and acquisitions. Asset Management is another important area for the company, focusing on managing assets for institutional clients and private clients. The company offers various investment products such as mutual funds, retirement savings products, and wealth management services. Lastly, the company offers various financing solutions for consumer goods through its Santander Consumer Finance brand, such as car leasing and financing for the purchase of household appliances. The company has also formed partnerships with retailers and car manufacturers to provide customers with comprehensive financing options for their purchases. In recent years, the company has also developed a variety of digital solutions for its customers to make its services available online and through mobile devices. This includes mobile apps for bank accounts and credit cards, online loan applications, and an online chatbot to assist customers with their banking transactions. Overall, Santander Bank Polska SA has become one of the leading banks in Poland, solidifying its position in the market through its wide range of products and services, its commitment to customer orientation, and innovative digital solutions.

Santander Bank Polska SWOT Analysis

Strengths

  • Established presence and reputation in the Polish banking industry
  • Strong financial performance and stable growth
  • Diversified product portfolio catering to various customer segments
  • Extensive branch network and customer base
  • Well-regarded customer service and user-friendly digital banking solutions

Weaknesses

  • Relatively higher costs compared to some local competitors
  • Limited international presence and exposure
  • Vulnerability to economic downturns and regulatory changes
  • Potential brand perception limitations due to association with foreign ownership

Opportunities

  • Growing demand for digital banking services and fintech collaborations
  • Expansion into untapped markets and customer segments
  • Potential for mergers and acquisitions to strengthen market position
  • Implementation of innovative technologies to enhance operational efficiency

Threats

  • Intense competition from local and foreign banks
  • Economic and political uncertainties impacting the banking industry
  • Stricter regulatory requirements and compliance costs
  • Cybersecurity threats and evolving customer preferences

Santander Bank Polska Eulerpool Fair Value

Details

Fair Value Estimate

ⓘ

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Santander Bank Polska historical P/E ratio, EBIT multiple, and P/S ratio

Santander Bank Polska annual returns

Details

Annual Return

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What This Chart Shows

This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Santander Bank Polska shares outstanding

The number of shares of Santander Bank Polska was 102.19 M in 2025. This indicates how many shares Santander Bank Polska is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
102.00 M Stocks
Jan 1, 2022
102.19 M Stocks
Jan 1, 2023
102.19 M Stocks
Jan 1, 2024
102.19 M Stocks
Jan 1, 2025
102.19 M Stocks
Jan 1, 2026 (e)
102.19 M Stocks
Jan 1, 2027 (e)
102.19 M Stocks
Jan 1, 2028 (e)
102.19 M Stocks

Santander Bank Polska Dividend History

22 years of dividend payments · 4 consecutive increases

YearAnnual DividendYoY ChangePayments
202546.37PLN↑ 3.9%1×
May 12, 202546.37PLN↑ 3.9%1/1
202444.63PLN↑ 92.0%1×
202323.25PLN↑ 767.5%1×
20222.68PLN↑ 24.1%1×
20212.16PLN↓ 89.0%1×
201919.72PLN↑ 536.1%1×
20183.10PLN↓ 42.6%1×
20175.40PLN↓ 58.5%1×
201613.00PLN↑ 21.5%1×
201410.70PLN↑ 40.8%1×

Santander Bank Polska dividend history and estimates

In 2025, Santander Bank Polska paid a dividend amounting to 46.37 PLN. Dividend means that Santander Bank Polska distributes a portion of its profits to its owners.

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Dividend
Dividend (Estimate)
Special dividend
Details
Date
Dividend
Dividend (Estimate)
Special dividend
Jan 1, 2021 (e)
2.16 PLN
2.16 PLN
3.10 PLN
Jan 1, 2022 (e)
2.68 PLN
2.68 PLN
0.00 PLN
Jan 1, 2023 (e)
23.25 PLN
23.25 PLN
0.00 PLN
Jan 1, 2024 (e)
44.63 PLN
44.63 PLN
0.00 PLN
Jan 1, 2025
46.37 PLN
0.00 PLN
0.00 PLN
Jan 1, 2026 (e)
0.00 PLN
55.64 PLN
0.00 PLN
Jan 1, 2027 (e)
0.00 PLN
66.77 PLN
0.00 PLN
Jan 1, 2028 (e)
0.00 PLN
80.13 PLN
0.00 PLN

Santander Bank Polska dividend payout ratio

In 2025, Santander Bank Polska had a payout ratio of 73.14%. The payout ratio indicates the percentage of the company's profits that Santander Bank Polska distributes as dividends.

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Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
19.82 %
Jan 1, 2022
9.78 %
Jan 1, 2023
49.18 %
Jan 1, 2024
87.49 %
Jan 1, 2025
73.14 %
Jan 1, 2026 (e)
109.52 %
Jan 1, 2027 (e)
104.95 %
Jan 1, 2028 (e)
114.06 %

Current Santander Bank Polska forecasts and price targets in August 2026

Analyst Price Targets 2026
Δ MOM Price Target
0.35 %
Buy
41.67 % (5)
Hold
50.00 % (6)
Sell
8.33 % (1)
12M Price Target
581.40
Last Price
637.00
Currency
PLN
12M Return Potential
-8.73 %
LTM Return
0 %

Santander Bank Polska Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
4/23/20248.96PLN-3.05 BPLN-2024 Q1
2/2/20247.95PLN-2.44 BPLN-2023 Q4

EESG©

Eulerpool ESG Scorecard© for the Santander Bank Polska stock

91/100
92
Environment
99
Social
80
Governance
E

Environment

20
Scope 1 - Direct Emissions5,138.9
Scope 2 - Indirect emissions from purchased energy23,944.5
Scope 3 - Indirect emissions within the value chain1,463.2
Total CO₂ emissions29,083.4
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather—
Pesticides—
Palm Oil—
Tobacco
Genetically modified organisms
Climate concept—
Sustainable forestry—
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

20
Percentage of female employees67.271
Percentage of women in management—
Percentage of Asian employees—
Share of Asian management—
Percentage of Hispanic/Latino employees—
Hispano/Latino Management share—
Percentage of Black employees—
Black Management Share—
Percentage of white employees—
White Management Share—
Adult content
Alcohol
Weapons—
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept—
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

4
Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Santander Bank Polska shareholder structure

% Name
49.00344%
Erste Group Bank AG
Erste Group Bank AG
9.69904%
Banco Santander SA
Banco Santander SA
5.77751%
Nationale-Nederlanden Powszechne Towarzystwo Emerytalne S.A.
Nationale-Nederlanden Powszechne Towarzystwo Emerytalne S.A.
5.23236%
PTE Allianz Polska S.A.
PTE Allianz Polska S.A.
1.48287%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
0.83387%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
...

Santander Bank Polska Beneficial Ownership Filings (SEC 13D/G)

Free Float
32.6%
Float Shares
-
Shares Outstanding
-

Santander Bank Polska Executives and Management Board

20 members · avg. age 59 · 35 % women

MG

Mr. Michal Gajewski

President of the Management Board, Chief Executive Officer · since 2024

7.15 M PLN

Management

JA

Mr. Juan de Porras Aguirre (61)

Vice President of the Management Board - Corporate and Investment Banking Division and Wealth Management and Insurance Division

4.27 M PLN
AB

Mr. Andrzej Burliga (58)

Vice President of the Management Board - Risk Management Division

2.89 M PLN

Board of Directors

LG

Mr. Lech Galkowski

Member of the Management Board - Business and Corporate Banking Division

2.95 M PLN
MR

Mr. Maciej Reluga

Member of the Management Board - Financial Management Division and Digital Transformation Division

2.74 M PLN
DS

Ms. Dorota Strojkowska

Member of the Management Board - Business Partnership Division

2.53 M PLN
MP

Mrs. Magdalena Proga-Stepien

Member of the Management Board - Retail Banking Division and Branch Network

2.15 M PLN
AG

Mr. Artur Glembocki

Member of the Management Board - Compliance and FCC Division

1.54 M PLN
WS

Mr. Wojciech Skalski

Member of the Management Board - Financial Accounting and Control Division

1.31 M PLN

Frequently asked questions about Santander Bank Polska

The business model of Santander Bank Polska SA revolves around providing comprehensive financial services to its customers. As one of the leading banks in Poland, Santander Bank Polska focuses on offering retail banking, corporate banking, and asset and wealth management solutions. The bank aims to meet the diverse financial needs of individuals, businesses, and institutions through its wide range of products and services. Santander Bank Polska is committed to delivering innovative and customer-centric solutions, ensuring convenience, security, and efficiency in its operations. With its strong presence in the Polish market, Santander Bank Polska SA strives to contribute to the growth and development of the local economy.

Santander Bank Polska SA is primarily active in the banking and financial services industry.

The main competitors of Santander Bank Polska SA in the market are other major banks operating in Poland, such as PKO Bank Polski, Bank Millennium, and ING Bank Śląski. These competitors pose a challenge to Santander Bank Polska SA in terms of market share, customer base, and product offerings. Despite the competition, Santander Bank Polska SA has established a strong presence in the banking industry in Poland, offering a wide range of financial services and aiming to provide exceptional customer experience.

Founded in 1990, Santander Bank Polska SA is a leading bank in Poland, offering a wide range of financial services. Originally known as Bank Zachodni WBK, it became a part of the Santander Group in 2011 after the acquisition. With a rich history of over three decades, Santander Bank Polska has established a strong presence in the Polish market and is recognized for its expertise in retail and corporate banking. The bank is committed to providing innovative and customer-centric solutions to meet the evolving needs of its clients. Continuously expanding its network and product portfolio, Santander Bank Polska remains a trusted and reliable financial institution in Poland.

Santander Bank Polska SA has achieved several significant milestones throughout its history. Being one of the largest banks in Poland, it has successfully expanded its market presence and customer base. Santander Bank Polska SA has been recognized for its strong financial performance and stability, demonstrated by consistent revenue growth and profitability. The company has also focused on innovation and digital transformation, offering advanced banking solutions to its customers. Furthermore, Santander Bank Polska SA has actively contributed to the development of local communities through various corporate social responsibility initiatives. These achievements have solidified Santander Bank Polska SA as a leading and respected financial institution in Poland.

Santander Bank Polska SA is primarily present in Poland.

As the leading financial institution in Poland, Santander Bank Polska SA represents strong values and a robust corporate philosophy. With a focus on customer satisfaction, the bank strives to provide innovative and tailored financial solutions. Santander Bank Polska SA upholds transparency, integrity, and a strong ethical framework in all its operations. The company prioritizes responsible banking practices, contributing to sustainable development in the local communities it serves. Santander Bank Polska SA aims to foster trust, build long-term relationships, and be a reliable partner for its customers, shareholders, and employees.

Analysts currently set an average price target of 587.27 PLN for the Santander Bank Polska stock (median: 581.40 PLN), implying -7.8 % versus the latest price. The consensus is based on 12 analyst ratings.

Santander Bank Polska Analyst Price Targets 2026

13 analysts currently rate the Santander Bank Polska stock: 6 recommend buying, 6 holding and 1 selling. For 2026, analysts expect Santander Bank Polska to generate revenue of 15.88 B PLN and earnings per share of 50.81 PLN.

Santander Bank Polska Analyst Price Targets 2026

Converted at the current exchange rate, the Santander Bank Polska share trades at 148.10 EUR (637.00 PLN).

The Santander Bank Polska share (SPL.WA) is listed on 6 stock exchanges, including: Frankfurt (BZI.F), London (0DVR.L), SIX (Zürich) (BZI.SW).

The Santander Bank Polska, formerly known as Bank Zachodni WBK, is one of the largest banks in Poland and a subsidiary of the Spanish Santander Group. The company is listed on the Warsaw Stock Exchange and offers various financial services, including banking products and services, asset management, insurance, and leasing. Santander Bank Polska offers a wide range of financing solutions in the area of banking products, such as accounts, cards, loans, and mortgages. As a universal bank, the products and services of Santander Bank Polska are aimed at the needs of a wide range of customers, from individuals to small and medium-sized enterprises to large corporations. For example, the bank offers various types of credit cards tailored to the specific needs of customers. Santander Bank Polska also offers a comprehensive range of asset management services, such as investment management, asset management, funds, and brokerage services. The bank offers its customers a wide range of investment options so that they can diversify their investments and match their risk profiles. Customers can also rely on the expertise of the bank's investment advisors to make informed decisions about their investments. Another important business area for Santander Bank Polska is the insurance business. The bank offers a wide range of insurance products, including life insurance, accident and health insurance, as well as insurance for the protection of companies and businesses. The bank aims to provide customers with tailored insurance solutions that meet their needs and requirements. Santander Bank Polska also offers leasing services. The bank offers a variety of leasing options tailored to the needs of customers, from vehicle and equipment leasing to real estate and aircraft leasing. Leasing solutions are often used by business customers to conserve their liquid funds and modernize their equipment. Overall, the business model of Santander Bank Polska is customer-oriented and offers a wide range of financial services. The bank aims to provide tailored solutions that meet each customer's specific needs and requirements. The strength of the bank lies in its wide range of products and services, as well as the expertise of its employees and advisors.

The expected revenue of Santander Bank Polska is 15.88 B PLN. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Santander Bank Polska is 5.19 B PLN. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Santander Bank Polska is currently 12.54. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Santander Bank Polska stock.

The price-to-sales ratio (P/S) of Santander Bank Polska is currently 4.10. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Santander Bank Polska stock.

The Eulerpool Quality Score for Santander Bank Polska is 5/10.

The ISIN of Santander Bank Polska is PLBZ00000044. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Santander Bank Polska is 677298. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Santander Bank Polska is SPL.WA. The ticker symbol is used to trade Santander Bank Polska shares on the stock exchange.

Over the past 12 months, Santander Bank Polska paid a dividend of 46.37 PLN . This corresponds to a dividend yield of about 7.28 %. For the coming 12 months, Santander Bank Polska is expected to pay a dividend of 66.77 PLN.

The current dividend yield of Santander Bank Polska is 7.28 %.

Santander Bank Polska pays a dividend, distributed in the months of , , , .

Santander Bank Polska paid dividends every year for the past 5 years.

For the upcoming 12 months, dividends amounting to 66.77 PLN are expected. This corresponds to a dividend yield of 10.48 %.

Santander Bank Polska is assigned to the 'Finance' sector.

To receive the latest dividend of Santander Bank Polska from amounting to 46.37 PLN, you needed to have the stock in your portfolio before the ex-date on .

The last dividend was paid out on .

In the year 2025, Santander Bank Polska distributed 44.63 PLN as dividends.

The dividends of Santander Bank Polska are distributed in PLN.

All fundamentals and in-depth analysis of Santander Bank Polska

Our stock analysis for Santander Bank Polska stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Santander Bank Polska. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.

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