Santander Bank Polska S.A (BKZHY) Fair Value & Analysis
US · Market cap $18.1B
Santander Bank Polska S.A
BKZHY · US
Fair value as of: Jul 14, 2026
From 20 valuation models · updated 27 days ago
Fair value updated Jul 14, 2026, revised from $53.09 to $53.90 (+1.5%) since Jun 24, 2026. Share price +17.9% over the past month.
A solid business, screening 31% undervalued on our models.
What matters now
- Solid quality (64/100) at a price below fair value, the discount is the argument here, not the business quality.
- Our model range runs from $40.43 (bear) to $67.38 (bull), base $53.90. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 64/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.
How to read this chart
60‑month range $0.0001 – $41.25 · fair‑value band $40.43 – $67.38 · the $41.25 price screens below the $53.90 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.
Analysis
Santander Bank Polska S.A (BKZHY) currently trades at $41.25, while our model-based Fair Value estimate is $53.90, implying the stock looks roughly 30.7% undervalued today. The Quality Score stands at 64/100 (solid quality). Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
Revenue grew 32.9% year over year. It earns a return on equity of 4.5%. Net debt stands at $4.6B. The stock trades on a trailing P/E of 11.4. Fundamentals as of Jul 14, 2026
Our scenario range runs from $40.43 (bear case) to $67.38 (bull case); at $41.25, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades near its 52-week high and 76% above its 52-week low, currently above its 200-day average.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 20 models by family
Widest divergence: DCF Models ($340.22) versus Asset-Based ($53.95). Highest evidence: Residual Income (76).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 63 · Market factors (momentum, volatility) 82
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Santander Bank Polska S.A., together with its subsidiaries, provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, deposits and currencies, internet and mobile banking, and mobile contactless payments, and credit solutions.
Full company description
Santander Bank Polska S.A., together with its subsidiaries, provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, deposits and currencies, internet and mobile banking, and mobile contactless payments, and credit solutions. The company also provides investment advisory, structured deposits, structured certificates and bonds, and brokerage services. In addition, the company offers accounts, business loans, credits, cards and payment terminals, deposits and investments, foreign trade, financial markets, leasing, and internet banking services. Further, the company offers transaction handling, liquidity management, export, import, domestic, and foreign guarantees, working capital finance, current, and investment financing services. Additionally, the company provides foreign exchange, hedging financial risk, correspondence banking, trade finance, and trust services, as well as solutions for financial institutions and global banking transactions. Furthermore, it offers debt and rating advisory and capital market and debt capital services. As of 31 December 2021,the company operates 383 branches. The company was founded in 1857 and is headquartered in Warsaw, Poland. Santander Bank Polska S.A. is a subsidiary of Banco Santander S.A.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Santander Bank Polska S.A reported revenue of $16.0B in FY2025 versus $9.0B in FY2021, a compound +15.3%/yr. Reported net income was $6.5B in FY2025, compounding +55.4%/yr from FY2021.
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Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Erste Bank Polska SA (BKZHY) (H1 2026) Earnings Call Highlights: Net Profit Surges 14% QoQ Amid ...
- Erste Bank Polska SA (BKZHY) Q1 2026 Earnings Call Highlights: Strong Profit Amidst Challenges
- Santander Bank Polska SA (FRA:BZI) (Full Year 2025) Earnings Call Highlights: Strong Profit ...
- Santander completes stake sale in Polish unit to Austria’s Erste
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
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Frequently asked questions
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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