QM · rank #12 · 2026-10-26
MIL
GPW · PLN · $6.83B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +58.89% |
|---|---|
| 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 2026-09-25 | $23.50 |
| Anchor (far) Close on 2025-09-26 | $14.79 |
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 (MIL@GPW) is a Polish universal bank with strong retail, corporate, leasing and digital growth, supported by a large deposit base and rising profitability.
Rationale
The signal fits a quality_momentum profile because 12-1 momentum is strong, ROE is high at 14.2%, margins are solid, and recent 2Q26/1H26 results showed accelerating profits and digital/customer growth.
Material risks
- 1The biggest thesis risk is the PLN 154 million 3Q26 foreign-currency mortgage legal-risk charge, which can abruptly hit earnings and overwhelm operating momentum.
- 2Falling rates or intensifying Polish bank competition could squeeze net interest income and erode the current ROE/margin profile.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.