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Bank Millennium S.A. (MIL) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank Millennium S.A. stock PLN 11.37, price PLN 22.73, that is 50.0% below the price, quality 57 out of 100. Rating: strongly overvalued. Calculated from audited financials with 4 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services PL · ISIN PLBIG0000016

BM Bank Millennium S.A. logo Some data Nov 4, 2026

Bank Millennium S.A.

MIL · WAR
Solid, but very expensive

Our calculation puts a fair price 50% below what the stock costs today.

Highly profitable · 21.3% net margin (TTM)
Quality 57/100
Mixed Growth (revenue 5y +13.8 %/yr in PLN)
Mixed vs. peers (6/14)
Wide moat 68/100 · thin data
Some data
Fair value 11.37 PLN · Strongly overvalued (−50.0%)

Risks from the AI analysis

🚩FX mortgage lawsuits could require ongoing provisions🚩KNF capital surcharges could constrain growth
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

23.76 PLN 3.25 PLN Fair Value 11.37 PLN Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 4, 2026.

How to read this chart

60‑month range 3.25 PLN – 23.76 PLN · fair‑value band 8.53 PLN – 14.20 PLN · the 22.73 PLN price screens above the 11.37 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.

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Company profile

Bank Millennium S.A. provides various banking products and services in Poland. It operates through Retail Customer; Corporate Customer; and Treasury, Assets and Liabilities Management, and Other segments.

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The company offers current, savings, foreign currency savings, individual investment retirement, private banking, business, and VAT accounts; and term and structured deposits.

It also provides investment advisory; investment plan and funds; credit, debit, and prepaid cards; cash, promotional online, mortgage, home equity, renewable loans, as well as consolidation loan with fixed interest rate, EKO promotional mortgage, personal account overdraft limit, loans secured with assets accumulated in the bank, and loans for purchase of securities; current account overdraft and current account overdraft increase; and property, motor, travel, your assistant, loan under protection, mortgage loan, credit card, and payment cards insurance products.

In addition, the company offers Millennium 360 Prestige, Millennium Prestige World, and Prestige Personal Account; Millennium TFI Funds; domestic and foreign investment funds, such as polish and foreign investment funds, investors TFI, Goldman Sachs TFI, Esaliens TFI, and Franklin Templeton; brokerage services; and e-banking.

Further, it provides loan with a de minimis guarantee, cash loan and overdraft facility in PLN, leasing; bank guarantee and document collection; additional services, including accounting, online store, payment gateway, payment terminal, and currency exchange services; and ongoing support, financing, and trade finance, as well as treasure products.

Bank Millennium S.A. was formerly known as BIG Bank GDANSKI SA and changed its name to Bank Millennium S.A. in January 2003. The company was founded in 1989 and is headquartered in Warsaw, Poland. Bank Millennium S.A. is a subsidiary of Banco Comercial Português, S.A.

Stock analysis

Bank Millennium S.A. (MIL) currently trades at 22.73 PLN, while our model-based Fair Value estimate is 11.37 PLN, 50% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 11.37 PLN per share, and 0 of the 4 models we run sit above the 22.73 PLN price.

Bear case: the Asset-Based group reads lowest at 4.71 PLN, and 4 of the 4 models stay below the price. Data coverage for this calculation is medium.

Scenario range: 8.53 PLN (bear) to 14.20 PLN (bull), the price of 22.73 PLN sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 57/100 (solid quality), in the Financial Services sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Bank Millennium S.A. reported revenue of 7.2B PLN in FY2025 versus 3.8B PLN in FY2021, a compound +17.2%/yr. Reported net income was 1.2B PLN in FY2025.

Key figures

Market cap 27.6B PLN (≈ $7.0B) Mid · P/E ratio 20.1 · P/S ratio 4.04 · EPS (TTM) 1.13 PLN · Net margin 21.3% · Return on equity 14.5% · Return on assets (EBIT) 1.5% (5-year average) · Operating margin 49.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 68 out of 100 (low confidence).

What moves the price

The share trades about 4% below its 52-week high and 53% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −50%, MIL screens richer than that median.

Fair Value models

Bear 8.53 PLN Fair Value 11.37 PLN Bull 14.20 PLN
Price 22.73 PLN · Downside -50.0%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.9659 PLN per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Best data coverage
Residual Income 6.97 PLN 8.28 PLN 11.51 PLN 70
P/E Multiple 9.67 PLN 12.89 PLN 16.11 PLN 63
P/B Multiple 7.38 PLN 9.84 PLN 12.29 PLN 55
All 4 models by family
Multiples
P/E Multiple 9.67 PLN 12.89 PLN 16.11 PLN 63
P/B Multiple 7.38 PLN 9.84 PLN 12.29 PLN 55
Asset-Based
NCAV (Graham) 3.51 PLN 4.71 PLN 7.03 PLN 54
Economic Profit
Residual Income 6.97 PLN 8.28 PLN 11.51 PLN 70

Open the full fair value analysis →

Quality Score breakdown

Overall quality 57/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 58
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 10
Debt, balance sheet and risk of trouble
Investment 46
Does it invest with discipline instead of growing at any price?
Low Volatility 70
How calm the share price moves, does not count
Price momentum 71
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 85
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 94/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−26.3%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+19.5%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+13.8%
Start year 2020 (pandemic). Over 10 years: +12.4% a year
Revenue growth 20 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.1%
What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
≈ +92.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year≈ +92.2%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.base effect: 32.7% / 6.3%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.6% → 23%
2025 sits 86% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
⚠ Base effect: the rate starts in the earnings trough around 2020 (starting value 0.24 per share, median 0.57 in 2015 to 2018). It measures the recovery from the trough, not lasting growth.

MIL screens overvalued: fair value 50% below the price. Compare with China Merchants Bank Co →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 998 stocks

Beats the industry median on 6/14 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 57 · Above median
Fair Value upside −50.0% · Bottom 25%
Profitability
Return on equity (12 months) 14.5% · Top 25%
Return on assets 0.8% · Below median
Net margin (12 months) 21.3% · Bottom 25%
Operating margin (12 months) 49.6% · Above median
Growth and dividend
Revenue growth (quarter YoY) −0.8% · Bottom 25%
Balance sheet
Debt / equity 0.23× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 20.1× · Priciest 25%
P/B 3.02× · Priciest 25%
P/S (12 months) 4.04× · Pricier than median
Price / free cash flow (fiscal year) 2.1× · Cheapest 25%
EV/EBITDA 13.5× · Pricier than median
PEG 1.36× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)58 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)0 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs MIL
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs MIL
BNP Paribas SA BNP €91.93 €106.01 +15% vs MIL
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs MIL
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs MIL
UniCredit S.p.A UCG €76.80 €50.44 −34% vs MIL
Mizuho Financial Group MFG $9.40 $5.90 −37% vs MIL
DBS Group D05 69.72 SGD 40.39 SGD −42% vs MIL
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs MIL
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs MIL

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Bank Millennium S.A.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Bank Millennium S.A. Fair Value". https://www.fairvalue-calculator.com/stock/MIL

Frequently asked questions

Is Bank Millennium S.A. (MIL) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 11.37 PLN versus a price of 22.73 PLN, about 50% lower (overvalued).
What is the fair value of MIL?
Our model-based fair value for Bank Millennium S.A. is 11.37 PLN (as of Nov 4, 2026), built from audited fundamentals. The current price: 22.73 PLN.
What is the quality score of MIL?
Bank Millennium S.A. has a Quality Score of 57/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Millennium S.A. (MIL)?
Our model-based price target is the fair value of 11.37 PLN (as of Nov 4, 2026) from 4 valuation models. Cautious scenario 8.53 PLN, optimistic scenario 14.20 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Millennium S.A. stock forecast for 2026?
Our models put fair value at 11.37 PLN, about 50% lower versus a price of 22.73 PLN (overvalued). Cautious scenario 8.53 PLN, optimistic scenario 14.20 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Millennium S.A. (MIL)?
Bank Millennium S.A. reported trailing-twelve-month revenue of about 6.8B PLN (latest available figure, as of Nov 4, 2026).
What is the intrinsic value of Bank Millennium S.A. (MIL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Millennium S.A. it is 11.37 PLN per share (as of Nov 4, 2026), against a price of 22.73 PLN. It is the blended result of 4 valuation models in 3 families (Multiples, Asset-Based, Economic Profit).
Is Bank Millennium S.A. stock overvalued or undervalued in 2026?
As of Nov 4, 2026, MIL trades above its calculated fair value: price 22.73 PLN, fair value 11.37 PLN, a gap of about −50% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of MIL?
No. The price is what the market pays today (22.73 PLN); the fair value is what the company's own numbers justify (11.37 PLN). For Bank Millennium S.A. the two are 11.36 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Millennium S.A. worth?
The market values Bank Millennium S.A. at about 27.6B PLN (market capitalisation, as of Nov 4, 2026). Per share that is 22.73 PLN; our models calculate a fair value of 11.37 PLN per share.
What do the bullish and bearish scenarios say about MIL?
Our models span a range for Bank Millennium S.A.: cautious scenario 8.53 PLN, base 11.37 PLN, optimistic 14.20 PLN per share (as of Nov 4, 2026, price 22.73 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MIL?
Bank Millennium S.A. trades at a price-to-earnings ratio of 20.1 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 11.37 PLN is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2016 to 2025), reported earnings: 15.5. Other multiples: PEG 1.4, P/B 3.0, P/S 4.0, EV/EBITDA 13.5.
What is the PEG ratio of MIL?
The PEG ratio of Bank Millennium S.A. is 1.36 (P/E divided by earnings growth, as of Nov 4, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bank Millennium S.A. (MIL)?
Balance-sheet figures for Bank Millennium S.A. (as of Nov 4, 2026): return on equity 14.5%, debt of 0.23 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is MIL from its 52-week high?
Bank Millennium S.A. trades at 22.73 PLN, about 4% below its 52-week high of 23.76 PLN and 53% above the low of 14.83 PLN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 11.37 PLN is for.
Which stocks are comparable to Bank Millennium S.A.?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Millennium S.A. stock attractive at the current price?
The data as of Nov 4, 2026: price 22.73 PLN, calculated fair value 11.37 PLN (−50%), Quality Score 57/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of MIL calculated?
We run Bank Millennium S.A. through 4 models from 3 families: Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 11.37 PLN builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Bank Millennium S.A. itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Millennium S.A. (MIL)?
The closing price on Nov 6, 2026 was 22.73 PLN. Our model-based fair value is 11.37 PLN, about 50% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Millennium S.A. right now?
The price sits above even our optimistic bull case (14.20 PLN). The favourable scenario is already priced in. Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Bank Millennium S.A. (MIL) come from?
Earnings per share at Bank Millennium S.A. grew +3.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +14.3 %, EBIT margin −6.0 %, tax rate −1.7 %, residual (interest, one-offs) −2.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Bank Millennium S.A.

How large is the market capitalisation of Bank Millennium S.A. (MIL)?
The market capitalisation of Bank Millennium S.A. is 27.6B PLN (≈ $7.0B). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Millennium S.A. (MIL)?
The price-to-sales ratio of Bank Millennium S.A. is 4.04 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Millennium S.A. (MIL)?
Earnings per share at Bank Millennium S.A. are 1.13 PLN (price ÷ EPS = P/E 20.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Millennium S.A. (MIL)?
The net margin of Bank Millennium S.A. is 21.3% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Millennium S.A. (MIL)?
The return on equity (ROE) of Bank Millennium S.A. is 14.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Millennium S.A. (MIL)?
On an EBIT basis the return on assets of Bank Millennium S.A. is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Bank Millennium S.A. (MIL)?
The operating margin of Bank Millennium S.A. is 49.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Millennium S.A. (MIL)?
Revenue at Bank Millennium S.A. is growing −0.8% versus a year earlier (3y avg +19.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Millennium S.A. (MIL)?
Earnings per share at Bank Millennium S.A. are growing +16.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Millennium S.A. (MIL) generate?
The free cash flow of Bank Millennium S.A. is 13.4B PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Bank Millennium S.A. (MIL) carry?
The net debt of Bank Millennium S.A. is 4.8B PLN (fiscal year 2025, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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