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Data-driven stock valuation

Bank Handlowy w Warszawie SA (BHW) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Bank Handlowy w Warszawie SA stock PLN 132, price PLN 123, upside +7.2%, quality 68 out of 100. Rating: fairly valued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services PL · ISIN PLBH00000012

BH Bank Handlowy w Warszawie SA logo Broad data Nov 3, 2026

Bank Handlowy w Warszawie SA

BHW · WAR
Fairly valued, in an uptrend

The stock costs about what our calculation considers fair.

Quality 68/100
Healthy Growth (revenue 5y +14.9 %/yr in PLN)
Highly profitable · 57.7% net margin (TTM)
8.0% dividend yield · Sustainable
Ranks above peers (11/15)
Broad data
Fair value 131.59 PLN · Fairly valued (+7.2%)
Wide moat 72/100 · thin data
Revenue last quarter 21% below a year ago.
⚠ Small free float
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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

126.60 PLN 26.12 PLN Fair Value 131.59 PLN Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range 26.12 PLN – 126.60 PLN · fair‑value band 98.69 PLN – 164.49 PLN · the 122.80 PLN price screens below the 131.59 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

Bank Handlowy w Warszawie S.A., together with its subsidiaries, provides a range of banking services for individual and corporate clients in Poland and internationally. The company operates in two segments, the Institutional Bank and Consumer Bank.

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The Institutional Bank segment offers traditional banking services, including credit and deposit services; cash management, trade financing, leasing, brokerage, and custody services in securities; treasury products on financial and commodity markets; investment banking services on the local and international capital markets, such as advisory services and underwriting financing via public and non-public issues of financial instruments; and proprietary transactions in the equity, debt, and derivative instruments markets to business entities, local government units, and the public sector.

The Consumer Bank segment provides bank accounts, credit, deposits, cash loans, mortgage loans, credit cards, and asset management services, as well as acts as an agent in the sale of investment and insurance products to individuals, micro-enterprises, and individual entrepreneurs.

The company was founded in 1870 and is headquartered in Warsaw, Poland. Bank Handlowy w Warszawie S.A. is a subsidiary of Citibank Europe plc.

Stock analysis

Bank Handlowy w Warszawie SA (BHW) currently trades at 122.80 PLN, while our model-based Fair Value estimate is 131.59 PLN, so the stock looks roughly fairly valued today (gap 6.7%).

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Valuation

Bull case: the Dividend Discount group reads highest at a median of 155.04 PLN per share, and 3 of the 6 models we run sit above the 122.80 PLN price.

Bear case: the Asset-Based group reads lowest at 47.09 PLN, and 3 of the 6 models stay below the price. Data coverage for this calculation is high.

Scenario range: 98.69 PLN (bear) to 164.49 PLN (bull), the price of 122.80 PLN sits inside 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 68/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Bank Handlowy w Warszawie SA reported revenue of 3.1B PLN in FY2025 versus 2.4B PLN in FY2021, a compound +6.3%/yr. Reported net income was 1.7B PLN in FY2025, compounding +23.4%/yr from FY2021.

Key figures

Market cap 16.0B PLN (≈ $4.0B) Mid · P/E ratio 10.3 · P/S ratio 5.22 · EPS (TTM) 11.93 PLN · Dividend yield 8.0% · Net margin 57.7% · Return on equity 16.7% · Return on assets (EBIT) 2.9% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 72 out of 100 (low confidence).

What moves the price

The share trades about 3% below its 52-week high and 31% 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 7%, BHW screens cheaper than that median.

Fair Value models

Bear 98.69 PLN Fair Value 131.59 PLN Bull 164.49 PLN
Price 122.80 PLN · Upside +7.2%
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 (1.82 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 80.43 PLN 97.47 PLN 129.56 PLN 74
Gordon GGM 121.21 PLN 149.50 PLN 178.57 PLN 67
DDM Multi-Stage 121.21 PLN 160.58 PLN 207.54 PLN 65
All 6 models by family
Dividend Discount
Gordon GGM 121.21 PLN 149.50 PLN 178.57 PLN 67
DDM Multi-Stage 121.21 PLN 160.58 PLN 207.54 PLN 65
Multiples
P/E Multiple 124.60 PLN 166.13 PLN 207.67 PLN 63
P/B Multiple 72.78 PLN 97.04 PLN 121.30 PLN 55
Asset-Based
NCAV (Graham) 35.14 PLN 47.09 PLN 70.28 PLN 54
Economic Profit
Residual Income 80.43 PLN 97.47 PLN 129.56 PLN 74

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Quality Score breakdown

Overall quality 68/100

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

Profitability 40
How much profit the company makes from its sales and capital
Quality Growth 48
Are margins and returns getting better?
Cashflow 100
Do the profits arrive as real cash?
Financial strength 41
Debt, balance sheet and risk of trouble
Investment 80
Does it invest with discipline instead of growing at any price?
Low Volatility 91
How calm the share price moves, does not count
Price momentum 55
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 75
Distance to the 52-week high, does not count
New shares 81
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. 100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
+22.5%
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.
+14.9%
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.
+2.1%
What shareholders gained per year (last 5 years) ⓘ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.
+36.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+28.3%
Dividend (yield on the price)8.0%
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.28.3% vs 10.3%, picking up
Profit margin 2021 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.44% → 69%
Pace: the 5-year rate starts in 2020 (pandemic)

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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 10/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 68 · Top 25%
Fair Value upside +7.2% · Top 25%
Profitability
Return on equity (12 months) 16.7% · Top 25%
Return on assets 2.1% · Top 25%
Net margin (12 months) 57.7% · Top 25%
Operating margin (12 months) 61.6% · Top 25%
Growth and dividend
Revenue growth (quarter YoY) −21.4% · Bottom 25%
Dividend yield (12 months) 8.0% · Top 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 10.3× · Cheaper than median
P/B 1.60× · Priciest 25%
P/S (12 months) 5.22× · Priciest 25%
Price / free cash flow (fiscal year) 2.9× · Cheapest 25%
EV/EBITDA 2.9× · Cheapest 25%
PEG 1.54× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)43 · sector 8
FUTURE (revenue growth)0 · sector 47
PAST (return on equity)67 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)100 · sector 53

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

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Cite: Fair Value Calculator (2026). "Bank Handlowy w Warszawie SA Fair Value". https://www.fairvalue-calculator.com/stock/BHW

Frequently asked questions

Is Bank Handlowy w Warszawie SA (BHW) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 131.59 PLN versus a price of 122.80 PLN, about +7% upside (fairly valued).
What is the fair value of BHW?
Our model-based fair value for Bank Handlowy w Warszawie SA is 131.59 PLN (as of Nov 3, 2026), built from audited fundamentals. The current price: 122.80 PLN.
What is the quality score of BHW?
Bank Handlowy w Warszawie SA has a Quality Score of 68/100. 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 Handlowy w Warszawie SA (BHW)?
Our model-based price target is the fair value of 131.59 PLN (as of Nov 3, 2026) from 6 valuation models. Cautious scenario 98.69 PLN, optimistic scenario 164.49 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Handlowy w Warszawie SA stock forecast for 2026?
Our models put fair value at 131.59 PLN, about +7% upside versus a price of 122.80 PLN (fairly valued). Cautious scenario 98.69 PLN, optimistic scenario 164.49 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Handlowy w Warszawie SA (BHW)?
Bank Handlowy w Warszawie SA reported trailing-twelve-month revenue of about 3.1B PLN (latest available figure, as of Nov 3, 2026).
Does Bank Handlowy w Warszawie SA pay a dividend?
Bank Handlowy w Warszawie SA currently shows a dividend yield of 7.98% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Bank Handlowy w Warszawie SA (BHW) and when is the ex-dividend date?
Bank Handlowy w Warszawie SA pays a dividend of 9.80 PLN per share a year, a dividend yield of 8.0%. The last ex-dividend date was Jun 24, 2026. A dividend has been paid every year since 2021. The payout ratio is 77.7% of earnings (on adjusted earnings, reported 82.1%). Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of Bank Handlowy w Warszawie SA (BHW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Handlowy w Warszawie SA it is 131.59 PLN per share (as of Nov 3, 2026), against a price of 122.80 PLN. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is Bank Handlowy w Warszawie SA stock overvalued or undervalued in 2026?
As of Nov 3, 2026, BHW trades below its calculated fair value: price 122.80 PLN, fair value 131.59 PLN, a gap of about +7% (fairly valued). 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 BHW?
No. The price is what the market pays today (122.80 PLN); the fair value is what the company's own numbers justify (131.59 PLN). For Bank Handlowy w Warszawie SA the two are 8.79 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Handlowy w Warszawie SA worth?
The market values Bank Handlowy w Warszawie SA at about 16.0B PLN (market capitalisation, as of Nov 3, 2026). Per share that is 122.80 PLN; our models calculate a fair value of 131.59 PLN per share.
What do the bullish and bearish scenarios say about BHW?
Our models span a range for Bank Handlowy w Warszawie SA: cautious scenario 98.69 PLN, base 131.59 PLN, optimistic 164.49 PLN per share (as of Nov 3, 2026, price 122.80 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BHW?
Bank Handlowy w Warszawie SA trades at a price-to-earnings ratio of 10.3 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 131.59 PLN is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 9.1 (reported for FY2025: 9.6). Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings, FY2025 ex one-offs: 12.4. Other multiples: PEG 1.5, P/B 1.6, P/S 5.2, EV/EBITDA 2.9.
What is the PEG ratio of BHW?
The PEG ratio of Bank Handlowy w Warszawie SA is 1.54 (P/E divided by earnings growth, as of Nov 3, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bank Handlowy w Warszawie SA (BHW)?
Balance-sheet figures for Bank Handlowy w Warszawie SA (as of Nov 3, 2026): return on equity 16.7%. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is BHW from its 52-week high?
Bank Handlowy w Warszawie SA trades at 122.80 PLN, about 3% below its 52-week high of 126.60 PLN and 31% above the low of 93.56 PLN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 131.59 PLN is for.
Which stocks are comparable to Bank Handlowy w Warszawie SA?
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 Handlowy w Warszawie SA stock attractive at the current price?
The data as of Nov 3, 2026: price 122.80 PLN, calculated fair value 131.59 PLN (+7%), Quality Score 68/100, from 6 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 BHW calculated?
We run Bank Handlowy w Warszawie SA through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 131.59 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 Handlowy w Warszawie SA currently trades 7% below its own fair value, and the market average says nothing about that. 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 Handlowy w Warszawie SA (BHW)?
The closing price on Nov 6, 2026 was 122.80 PLN. Our model-based fair value is 131.59 PLN, about +7% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Handlowy w Warszawie SA right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Handlowy w Warszawie SA (BHW) come from?
Earnings per share at Bank Handlowy w Warszawie SA grew +11.3 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.7 %, EBIT margin +4.2 %, tax rate −0.2 %, residual (interest, one-offs) +0.2 %. 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 Handlowy w Warszawie SA

How large is the market capitalisation of Bank Handlowy w Warszawie SA (BHW)?
The market capitalisation of Bank Handlowy w Warszawie SA is 16.0B PLN (≈ $4.0B). 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 Handlowy w Warszawie SA (BHW)?
The price-to-sales ratio of Bank Handlowy w Warszawie SA is 5.22 (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 Handlowy w Warszawie SA (BHW)?
Earnings per share at Bank Handlowy w Warszawie SA are 11.93 PLN (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Handlowy w Warszawie SA (BHW)?
The dividend yield of Bank Handlowy w Warszawie SA is 8.0% (payout 77.7%, on adjusted earnings, reported 82.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank Handlowy w Warszawie SA (BHW)?
The net margin of Bank Handlowy w Warszawie SA is 57.7% (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 Handlowy w Warszawie SA (BHW)?
The return on equity (ROE) of Bank Handlowy w Warszawie SA is 16.7% (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 Handlowy w Warszawie SA (BHW)?
On an EBIT basis the return on assets of Bank Handlowy w Warszawie SA is 2.9% (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 Handlowy w Warszawie SA (BHW)?
The operating margin of Bank Handlowy w Warszawie SA is 61.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Handlowy w Warszawie SA (BHW)?
Revenue at Bank Handlowy w Warszawie SA is growing −21.4% versus a year earlier (3y avg −4.4%). 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 Handlowy w Warszawie SA (BHW)?
Earnings per share at Bank Handlowy w Warszawie SA are growing +94.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Handlowy w Warszawie SA (BHW) generate?
The free cash flow of Bank Handlowy w Warszawie SA is 5.5B 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 cash does Bank Handlowy w Warszawie SA (BHW) hold?
Bank Handlowy w Warszawie SA holds more cash than debt, 5.2B PLN net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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