Bank Handlowy w Warszawie S.A. (WSE:BHW)

Poland · Delayed Price · Currency is PLN

121.80

-0.80 (-0.65%)

Aug 11, 2026, 5:00 PM CET

Bank Handlowy w Warszawie Financials Overview

Financials in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Revenue	2,570	4,038	4,490	3,546	2,315	1,878
Revenue Growth	461.29%	-10.07%	26.65%	53.18%	23.28%	-4.73%
Net Income	1,438	1,760	2,256	1,546	717.47	172.4
Earnings Per Share	11.02	13.48	17.27	11.83	5.49	1.32
EPS Growth	-21.86%	-21.95%	45.98%	115.48%	315.91%	-64.03%

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Consumer Bank	1,095	1,168	1,341	1,263	1,010	556.41
Institutional Banking	3,189	3,001	3,165	3,244	2,553	1,758
Total	4,284	4,169	4,506	4,508	3,563	2,315

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Mar '26 Mar 31, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Cash & Investments	13,745	9,205	5,794	1,242	671.19	6,527
Total Debt	0	0	0	0	0	0
Net Cash (Debt)	13,745	9,205	5,794	1,242	671.19	6,527
Net Cash Growth	105.91%	58.87%	366.64%	85.00%	-89.72%	45.42%
Net Cash Per Share	105.31	70.50	44.37	9.50	5.14	49.95

Cash Flow & CapEx

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun '25 Jun 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Operating Cash Flow	11,221	5,128	1,425	-5,037	2,248	837
Capital Expenditures	-58.44	-76.26	-121.13	-59.11	-25.57	-28.93
Free Cash Flow	11,163	5,052	1,304	-5,097	2,222	808.07
Free Cash Flow Growth	-	287.46%	-	-	175.01%	-

Margins

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Pretax Margin	82.47%	57.34%	63.70%	56.26%	41.08%	16.90%
Profit Margin	64.33%	43.60%	50.25%	43.59%	31.00%	9.18%
FCF Margin	0.00%	125.11%	29.04%	-143.74%	96.01%	43.04%

Dividends

Fiscal Year	Current	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Aug '26 Aug 11, 2026	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Dividend Per Share	6.880	10.290	11.150	9.000	5.470	1.200
Dividend Per Share Growth	28.67%	-7.71%	23.89%	64.53%	355.83%	-
Dividend Yield	5.61%	12.56%	8.88%	7.24%	2.03%	0.00%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Aug '26 Aug 11, 2026	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
PE Ratio	8.86	-	6.58	5.87	6.39	10.75
Forward PE	10.69	9.52	6.30	7.35	5.89	17.18
P/FCF Ratio	6.32	-	2.29	10.16	-	3.47
PS Ratio	4.88	-	2.87	2.95	2.79	3.33