← Quality Momentum
QM · rank #16 · 2026-10-20
MIL
GPW · PLN · $6.83B (USD)
SignalBuy1.5strength 1.5 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +44.53% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +14.2% |
| Profit margin Net profit margin, trailing 12 months. | +20.5% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $6.83B |
| Anchor (recent) Close on 2026-09-18 | $21.78 |
| Anchor (far) Close on 2025-09-19 | $15.07 |
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 major Polish commercial bank offering digital retail, SME, and corporate banking services backed by Portugal's Millennium bcp.
Rationale
High trailing ROE (14.2%), solid profit margins (20.5%), and strong 12-1 momentum (44.5%) are validated by a 39% YoY net profit rebound as legacy Swiss-franc mortgage costs decline.
Material risks
- 1Adverse judicial rulings or accelerated settlement demands on legacy CHF mortgage portfolios could force unexpected provisioning spikes and impair capital profitability.
- 2Monetary policy easing or deposit repricing in Poland could compress net interest margins and offset corporate lending volume growth.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.
OpenAI
Proceed
Claude
Caution
Gemini
Proceed