QM · rank #15 · 2026-10-21

MIL

GPW · PLN · $6.78B (USD)

SignalBuy1.9strength 1.9 / 10

verdict · PROCEED

The exact numbers the algorithm saw.

Factor scores and the inputs behind this pick.
Momentum 12-1 Return from 12 months ago to 1 month ago.	+53.35%
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).	$6.78B
Anchor (recent) Close on 2026-09-21	$23.11
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 Polish financial institution offering retail, SME, and corporate banking services with a strong digital distribution platform and backing from Portugal's Millennium bcp.

Rationale

The robust 53.4% 12-1 price momentum and 14.2% ROE are validated by 1H26 net profit expanding 39% year-over-year as legacy Swiss-franc mortgage costs dropped 65%.

Material risks

1Imminent 3Q26 earnings report on October 27, 2026, combined with lower Polish interest rates compressing net interest income (NII down 3% YoY), presents immediate event and margin risk.
2Resurgent legal liabilities or adverse regulatory developments on remaining legacy Swiss-franc mortgage portfolios could re-elevate provision costs.

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