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Bank Handlowy w Warszawie S.A. (WSE:BHW)
Poland flag Poland · Delayed Price · Currency is PLN
117.20
+0.40 (0.34%)
Sep 2, 2026, 9:29 AM CET

Bank Handlowy w Warszawie Financials Overview

Millions PLN. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
3,0723,0763,2614,5093,5642,382
Revenue Growth
-7.15%-5.68%-27.67%26.51%49.60%24.89%
Net Income
1,7721,6661,7602,2561,546717.47
Earnings Per Share
13.6312.7913.4817.2711.835.49
EPS Growth
17.61%-5.12%-21.94%45.98%115.48%316.09%

Revenue by Segment
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Consumer Bank
1,2281,1681,3411,2631,010556.41
Institutional Banking
2,9573,0013,1653,2442,5531,758
Total
4,1864,1694,5064,5083,5632,315

Cash & Debt
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
18,86911,42615,45219,7647,29916,354
Total Debt
8,3807,0283,8683,5974,8526,702
Net Cash (Debt)
10,4894,39811,58416,1672,4479,652
Net Cash Growth
16.80%-62.04%-28.35%560.78%-74.65%116.60%
Net Cash Per Share
80.6633.7688.71123.7418.7373.87

Cash Flow & CapEx
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
280.21-1,0875,324-3,542-11,9812,133
Capital Expenditures
-31.02-43.81-76.26-121.13-59.11-25.57
Free Cash Flow
249.19-1,1305,248-3,663-12,0402,107
Free Cash Flow Growth
-64.31%-----

Margins
Chart
Fiscal YearTTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingJun '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
57.69%54.17%53.98%50.04%43.37%30.12%
FCF Margin
8.11%-36.75%160.93%-81.24%-337.81%88.45%

Dividends
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
13.24013.24010.29011.1509.0005.470
Dividend Per Share Growth
28.67%28.67%-7.71%23.89%64.53%355.83%
Dividend Yield
11.22%13.51%14.10%14.89%17.94%15.29%

Valuation
Chart
Fiscal YearCurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
9.798.276.585.876.3910.75
Forward PE
10.419.526.307.355.8917.18
P/FCF Ratio
61.18-2.21--3.66
PS Ratio
4.964.483.552.942.773.24