QM · rank #16 · 2026-07-23
MIL
GPW · PLN · $6.54B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +50.83% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +14.1% |
| Profit margin Net profit margin, trailing 12 months. | +18.9% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $6.54B |
| Anchor (recent) Close on 2026-06-23 | $19.90 |
| Anchor (far) Close on 2025-06-23 | $13.19 |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Bank Millennium S.A. is a Polish mid-sized universal lender providing retail and corporate banking services, currently experiencing strong volume growth in corporate loans and domestic mortgage sales.
Rationale
The quality-momentum profile is validated by Q1 2026 net profit rising 68% year-on-year to PLN 301 million, an all-time low NPL ratio of 3.7%, and capital reinforcement from the qualification of PLN 1.5 billion in AT1 eurobonds.
Material risks
- 1Sizable ongoing legal provisions and settlement costs from the bank's legacy Swiss franc mortgage portfolio continue to constrain and drag down overall net earnings.
- 2Net interest margin compression driven by falling WIBOR rates, coupled with short-term earnings volatility risk from the upcoming financial report scheduled for July 28, 2026.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.