QM · rank #13 · 2026-07-24
BNP
GPW · PLN · $5.76B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +51.17% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +15.8% |
| Profit margin Net profit margin, trailing 12 months. | +32.9% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $5.76B |
| Anchor (recent) Close on 2026-06-24 | $148.60 |
| Anchor (far) Close on 2025-06-24 | $98.30 |
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
BNP Paribas Bank Polska is a universal Polish bank with 2.7 million customers, a growing retail franchise, and a large PLN 95.3 billion loan book backed by BNP Paribas group scale.
Rationale
The quant signal looks valid because the name combines positive 12-1 momentum with solid quality metrics (ROE 15.8% and profit margin 32.9%), while Q1 2026 still showed earnings resilience, a customer base rebound, and loan/AUM growth despite a tougher rate backdrop.
Material risks
- 1Further Polish rate cuts and competitive deposit pricing could keep compressing net interest margin and net interest income, weakening the quality leg of the trade.
- 2Elevated regulatory and legal charges, including Bank Guarantee Fund contributions, higher CIT, and CHF mortgage provisions, could continue to दब pressure on profits and ROE.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.