← Quality Momentum
QM · rank #15 · 2026-10-23
MIL
GPW · PLN · $6.96B (USD)
SignalSell
verdict · CAUTION
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +54.55% |
|---|---|
| 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). | $6.96B |
| Anchor (recent) Close on 2026-09-23 | $23.09 |
| Anchor (far) Close on 2025-09-23 | $14.94 |
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 commercial bank delivering digital-first retail, SME, and corporate banking services backed by Portugal's Millennium bcp.
Rationale
The top-quartile price momentum (54.55%) and strong ROE (14.21%) are supported by 1H26 net profit expanding 39% year-over-year as legacy Swiss-franc mortgage provisioning costs fell 65%.
Material risks
- 1Adverse court rulings or new legal precedents on legacy Swiss-franc mortgages could trigger fresh provisioning spikes and derail earnings recovery despite declining active agreement counts.
- 2Rate cuts in Poland compressing net interest margins combined with earnings event risk from the upcoming 3Q26 financial report on October 27, 2026.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.
OpenAI
Caution
Claude
Caution
Gemini
Proceed