QM · rank #6 · 2026-10-26

BNP

GPW · PLN · $6.28B (USD)

SignalHold

verdict · CAUTION

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.	+71.93%
ROE TTM Return on equity, trailing 12 months.	+15.6%
Profit margin Net profit margin, trailing 12 months.	+32.1%
Market cap (USD) Size filter: > $300M required (USD-equivalent).	$6.28B
Anchor (recent) Close on 2026-09-25	$168.20
Anchor (far) Close on 2025-09-26	$97.83

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 S.A. is a Polish universal bank providing retail, corporate, and investment banking services across PLN 181 billion in total assets.

Rationale

High financial productivity (15.55% ROE, 32.08% profit margin) combined with strong price momentum (0.7193) and 9% YoY gross loan expansion validates the quality-momentum factor profile.

Material risks

1Adverse ECJ or Polish court rulings on legacy CHF mortgages creating unexpected provisioning liabilities (such as Q2's PLN 42 million impact) and eroding net earnings.
2Net interest margin compression stemming from Polish interest rate cuts and deposit pricing competition from larger market leaders like PKO BP and Bank Pekao.

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