Santander Bank Polska (SPL.WA) Stock Price

Santander Bank Polska Price

GPW·CLOSED
791.60
​
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 5.86%. 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 26.6% below the current price. Of 12 analysts, 5 rate the stock a buy — an overall Hold consensus.

Santander Bank Polska stock price

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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.

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 -25.8 % versus the latest price. The consensus is based on 12 analyst ratings.

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 15.93 B PLN and earnings per share of 52.26 PLN.

Converted at the current exchange rate, the Santander Bank Polska share trades at 180.77 EUR (791.60 PLN).

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

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 15.93 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 5.34 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 15.15. 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 5.08. 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.

Fair ValueTerminal
672.86 PLN
Over-/UndervaluationTerminal
Fairly valued
Sector
Industry
Banks
Number of shares
Employees
Revenue per Employee
1.49 M PLN
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website santander.pl
Country
Poland
Currency
PLN
Initial public offering
Jun 25, 2001
ISIN
PLBZ00000044
Cusip
X0646L107
Sedol
7153639
Market capitalization
80.89 B PLNLarge Cap
52-Week Range
PEG
2.28
P/E ratio
P/Ee 2026
15.15
P/Ee 2027
12.96
P/Ee 2028
11.27
P/Ee 2029
12.24
P/S
P/Se
5.08
EV/EBIT
—
P/B Ratio
2.28
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
11.89 %
Dividend
Dividend yield
5.86 %
Est. Dividend Yield
7.03 %
Payout Ratio
73.14 %
Dividend growth Ø5Y
43.58 %
Dividend payments per year
1
Dividend paid since
5 years
Dividend not reduced since
5 years
Dividend increased since
5 years
Dividend withholding tax
19.00 %
Last updated Oct 8, 2026, 7:48 PM

Santander Bank Polska Ticker

FRANKFURT · BZI.FLONDON · 0DVR.LOTC · BKZHFSIX · BZI.SWWARSAW · SPL.WAWSE · SPL.WA

Santander Bank Polska FIGI

BKZHF:US · BBG000BJ9WF9BKZHF:PQ · BBG000BJB4G7BKZHF:UV · BBG000BJB556SPL:PW · BBG000DP4F92SPL:EO · BBG000JZQ8T4SPL:XH · BBG000JZQBJ8SPL:XC · BBG000JZQC15SPL:XF · BBG000JZQCV2SPL:XE · BBG000JZQFQ1SPL:XJ · BBG000JZQGP0SPL:XL · BBG000JZQHF9SPL:XG · BBG000JZQJL8