← Quality Momentum
QM · rank #14 · 2026-10-22
MIL
GPW · PLN · $6.71B (USD)
SignalBuy2.6strength 2.6 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +60.40% |
|---|---|
| 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). | $6.71B |
| Anchor (recent) Close on 2026-09-22 | $23.29 |
| Anchor (far) Close on 2025-09-22 | $14.52 |
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 universal bank providing digital retail, SME, and corporate banking services across Poland.
Rationale
High 12-month momentum (0.6040) is validated by strong quality metrics including a 14.2% TTM ROE, 20.5% profit margin, and a 39% YoY surge in 1H26 net profit driven by lower Swiss-franc mortgage provisions.
Material risks
- 1Adverse court rulings or re-accelerating settlement demands on legacy Swiss-franc mortgages could trigger sharp provisioning spikes and compress net margins.
- 2Net interest margin compression from Polish interest rate cuts combined with near-term volatility around the 3Q26 earnings release in five days.
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