OTC · Banks - Regional

Erste Bank Polska S.A. (BKZHF) Stock

$166.92 +0.00% OTC: BKZHF Financial Services

Erste Bank Polska S.A. provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions.

Valuation

MetricValue
Price$166.92
Market Cap$17.06B
P/E Ratio11.73
P/B Ratio1.90
P/S Ratio3.99
EPS (TTM)$14.23
52-Week High$169.15
52-Week Low$45.48
Dividend Yield8.26%

Financials & Margins

MetricValue
ROE17.02%
ROA1.90%
ROCE10.89%
Gross Margin85.26%
Operating Margin46.33%
Net Margin34.02%
Debt/Equity0.47
Current Ratio0.08

Annual Financials (USD)

Metric20212022202320242025
Revenue$9.4B$15.2B$21.2B$16.1B$17.9B
Operating Profit$2.1B$4.4B$6.8B$7.2B$8.3B
Net Profit$1.1B$2.8B$4.8B$5.2B$6.5B
EPS$10.88$27.39$47.28$51.01$63.32
Op Margin21.9%28.7%32.2%45.0%46.3%

Balance Sheet (USD)

Metric20212022202320242025
Total Assets$243.0B$257.5B$276.7B$304.4B$307.8B
Total Liabilities$215.8B$229.1B$243.0B$269.9B$272.3B
Cash$11.1B$13.5B$11.7B$12.8B$30.5B
Borrowings$20.6B$15.8B$14.8B$17.9B$22.3B

Latest News

Erste Bank Polska SA (BKZHY) (H1 2026) Earnings Call Highlights: Net Profit Surges 14% QoQ Amid ... GuruFocus.com · Jul 31, 2026

Cash Flow (USD)

Metric20212022202320242025
Operating Cash Flow$10.0B$8.7B$9.3B$3.2B$4.8B
Investing Cash Flow$-5.7B$13.0B$-5.8B$-6.6B$-7.8B
Financing Cash Flow$-386.0M$-696.0M$-1.0B$-1.3B$-1.2B
Net Cash Flow$4.7B$16.1B$82.0M$-5.6B$1.5B
Free Cash Flow$9.6B$8.3B$8.6B$2.6B$4.1B

Valuation & Return Ratios

MetricValue
PEG Ratio1.61
EV / EBITDA—
FCF Yield—
Quick Ratio—
Interest Coverage—
Return 1Y423.84%
Return 3Y-2930162.70%
Return 5Y—

Ownership

Insiders Held58.70%
Institutions Held19.95%
Institutions Float Held48.31%
Institutional HolderSharesReport Date
Generali Investments Cee, Investicni Spolecnost, A.s.151,3822026-06-30

Peer Comparison

TickerPriceChangeP/EMarket CapDiv Yield
BKAHFBank of Ayudhya Public Company Limited $0.70 +0.00% 10.31 $5.15B 8.57%
BKEAFThe Bank of East Asia, Limited $1.41 +0.00% 11.22 $3.73B 4.26%
BKEAYThe Bank of East Asia, Limited $1.60 +0.00% 11.22 $4.23B 3.75%
BXRBFBendigo and Adelaide Bank Limited $7.71 +0.00% -70.80 $4.35B 5.45%
EFGIFEFG International AG $21.00 +0.00% 24.03 $6.31B 3.90%

About Erste Bank Polska S.A.

Erste Bank Polska S.A. provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. The company offers personal account, savings accounts and term deposits, currencies, internet and mobile banking, and contactless payments, and debit and credit solutions. It also provides consumer loans and home mortgages; mutual funds, including pension schemes and various investment programmes; and tourist/travel, motor, and home insurance products, as well as bancassurance products. In addition, the company offers foreign exchange, bank guarantees, and foreign letter of credit. The company was formerly known as Santander Bank Polska S.A. and changed its name to Erste Bank Polska S.A. in April 2026. Erste Bank Polska S.A. was founded in 1857 and is headquartered in Warsaw, Poland.

Erste Bank Polska S.A. is headquartered in PL.

Erste Bank Polska S.A. (BKZHF) stock trades at $166.92 with a market capitalization of $17.06B. The stock is valued at a price-to-earnings (P/E) ratio of 11.73, price-to-book of 1.90, price-to-sales of 3.99. Over the past 52 weeks the stock has ranged between $45.48 and $169.15, and currently trades 1.3% below its 52-week high. It pays a dividend yielding 8.26%.

On profitability, Erste Bank Polska S.A. generates a return on equity (ROE) of 17.02%, above the typical market average, return on capital employed of 10.89%, an operating margin of 46.33%, a net profit margin of 34.02%.

In its most recent fiscal year, Erste Bank Polska S.A. reported annual revenue of $17.9B, net profit of $6.5B, revenue has compounded at 13.3% a year over the last five years, profit at 44.2% a year. Profit growing faster than revenue points to expanding margins.

The balance sheet shows a debt-to-equity ratio of 0.47 — a conservative balance sheet with little leverage risk, a current ratio of 0.08, total assets of $307.8B, $30.5B in cash and equivalents.

BKZHF has an average daily trading volume of 14 shares, a beta of 0.29 (less volatile than the overall market).

Official website: www.erste.pl

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