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BKZHF

Erste Bank Polska S.A.

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Price alert · BKZHF

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166.92 USD 0.00 0.00%
As of Oct 29, 2026
197.00 Day range 197.00
45.48 52-week range 169.15
YTD
+267.02%
1 year
+267.02%
Open
197.00
Prev close
166.92
Mkt cap
17.06B
Vol
1
Avg vol
0
EPS
15.49
P/E
10.78
More statistics
Low
197.00
High
197.00
Earnings
Oct 30, 2026

5D chart

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Financial health

Altman Z-Score

0.29 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E 2.6×
FY 2016: 9.2×FY 2017: 7.5×FY 2018: 7.6×FY 2019: 8.7×FY 2020: 17.6×FY 2021: 17.8×FY 2022: 7.3×FY 2023: 3.8×FY 2024: 3.7×FY 2025: 2.6×
FY 2016 5y median 3.8× FY 2025
P/S 0.9×
FY 2016: 2.3×FY 2017: 1.9×FY 2018: 1.9×FY 2019: 1.7×FY 2020: 1.9×FY 2021: 2.1×FY 2022: 1.3×FY 2023: 0.9×FY 2024: 1.2×FY 2025: 0.9×
FY 2016 5y median 1.2× FY 2025
P/B 0.5×
FY 2016: 1.0×FY 2017: 0.8×FY 2018: 0.7×FY 2019: 0.7×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.8×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.5×
FY 2016 5y median 0.6× FY 2025
P/FCF 4.0×
FY 2016: 13.6×FY 2017: -3.1×FY 2018: 1.5×FY 2019: 5.9×FY 2020: 0.9×FY 2021: 2.1×FY 2022: 2.5×FY 2023: 2.1×FY 2024: 7.5×FY 2025: 4.0×
FY 2016 5y median 2.5× FY 2025
EV/EBITDA 1.0×
FY 2016: 7.2×FY 2017: 6.6×FY 2018: 6.9×FY 2019: 7.7×FY 2020: 12.1×FY 2021: 11.1×FY 2022: 4.7×FY 2023: 2.9×FY 2024: 3.1×FY 2025: 1.0×
FY 2016 5y median 3.1× FY 2025
EV/Sales 0.5×
FY 2016: 2.8×FY 2017: 2.7×FY 2018: 2.7×FY 2019: 2.7×FY 2020: 3.1×FY 2021: 3.1×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 1.5×FY 2025: 0.5×
FY 2016 5y median 1.5× FY 2025
FCF Yield 24.7%
FY 2016: 7.3%FY 2017: -31.8%FY 2018: 65.9%FY 2019: 16.8%FY 2020: 111.9%FY 2021: 48.3%FY 2022: 40.7%FY 2023: 47.2%FY 2024: 13.4%FY 2025: 24.7%
FY 2016 5y median 40.7% FY 2025

Profitability

Gross Margin 71.7%
FY 2016: 85.4%FY 2017: 86.0%FY 2018: 84.7%FY 2019: 83.2%FY 2020: 89.9%FY 2021: 96.2%FY 2022: 81.0%FY 2023: 75.1%FY 2024: 95.5%FY 2025: 71.7%
FY 2016 5y median 81.0% FY 2025
Operating Margin 46.2%
FY 2016: 35.2%FY 2017: 37.3%FY 2018: 35.5%FY 2019: 29.0%FY 2020: 19.7%FY 2021: 21.9%FY 2022: 28.7%FY 2023: 32.2%FY 2024: 45.0%FY 2025: 46.2%
FY 2016 5y median 32.2% FY 2025
Net Margin 36.2%
FY 2016: 24.4%FY 2017: 24.7%FY 2018: 24.5%FY 2019: 19.1%FY 2020: 10.9%FY 2021: 11.8%FY 2022: 18.4%FY 2023: 22.7%FY 2024: 32.4%FY 2025: 36.2%
FY 2016 5y median 22.7% FY 2025
ROE 18.3%
FY 2016: 11.0%FY 2017: 10.1%FY 2018: 9.4%FY 2019: 8.4%FY 2020: 3.8%FY 2021: 4.4%FY 2022: 10.5%FY 2023: 15.2%FY 2024: 16.0%FY 2025: 18.3%
FY 2016 5y median 15.2% FY 2025
ROIC 10.5%
FY 2016: 6.1%FY 2017: 5.9%FY 2018: 4.6%FY 2019: 4.5%FY 2020: 2.1%FY 2021: 2.2%FY 2022: 5.0%FY 2023: 7.6%FY 2024: 7.4%FY 2025: 10.5%
FY 2016 5y median 7.4% FY 2025
ROA 2.1%
FY 2016: 1.4%FY 2017: 1.4%FY 2018: 1.1%FY 2019: 1.0%FY 2020: 0.5%FY 2021: 0.5%FY 2022: 1.1%FY 2023: 1.7%FY 2024: 1.7%FY 2025: 2.1%
FY 2016 5y median 1.7% FY 2025

Growth (YoY)

Revenue 11.2%
FY 2016: 6.0%FY 2017: 0.9%FY 2018: 7.8%FY 2019: 16.0%FY 2020: -14.6%FY 2021: -1.6%FY 2022: 61.6%FY 2023: 39.9%FY 2024: -24.4%FY 2025: 11.2%
FY 2016 FY 2025
Operating Income 14.2%
FY 2016: -1.8%FY 2017: 6.8%FY 2018: 2.7%FY 2019: -5.2%FY 2020: -42.0%FY 2021: 9.4%FY 2022: 111.5%FY 2023: 57.4%FY 2024: 5.6%FY 2025: 14.2%
FY 2016 FY 2025
EPS (diluted) 24.1%
FY 2016: -6.9%FY 2017: 2.2%FY 2018: 6.3%FY 2019: -11.7%FY 2020: -51.5%FY 2021: 7.2%FY 2022: 151.7%FY 2023: 72.6%FY 2024: 7.9%FY 2025: 24.1%
FY 2016 FY 2025
Free Cash Flow 60.5%
FY 2016: 147.0%FY 2017: -460.0%FY 2018: 323.6%FY 2019: -73.5%FY 2020: 553.7%FY 2021: -53.3%FY 2022: -13.5%FY 2023: 4.1%FY 2024: -70.2%FY 2025: 60.5%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 0.2×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 0.2×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.6×
FY 2016: 0.6×FY 2017: 0.6×FY 2018: 0.7×FY 2019: 0.8×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.6×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA -0.9×
FY 2016: 1.3×FY 2017: 2.0×FY 2018: 2.1×FY 2019: 2.9×FY 2020: 4.7×FY 2021: 3.6×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.7×FY 2025: -0.9×
FY 2016 5y median 0.5× FY 2025
Interest Coverage 1.8×
FY 2016: 2.4×FY 2017: 2.7×FY 2018: 2.3×FY 2019: 1.7×FY 2020: 1.9×FY 2021: 5.8×FY 2022: 1.5×FY 2023: 1.3×FY 2024: 1.4×FY 2025: 1.8×
FY 2016 5y median 1.5× FY 2025

Dividends

Dividend Yield 28.7%
FY 2016: 7.6%FY 2017: 3.9%FY 2018: 2.9%FY 2019: 12.5%FY 2020: 0.5%FY 2021: 1.5%FY 2022: 1.7%FY 2023: 13.2%FY 2024: 24.0%FY 2025: 28.7%
FY 2016 5y median 13.2% FY 2025
Payout Ratio 74.0%
FY 2016: 70.0%FY 2017: 29.2%FY 2018: 21.8%FY 2019: 109.0%FY 2020: 8.3%FY 2021: 26.7%FY 2022: 12.5%FY 2023: 50.0%FY 2024: 88.4%FY 2025: 74.0%
FY 2016 5y median 50.0% FY 2025

Annual · latest fiscal year ends 2025-12-31