Bank Ochrony Srodowiska S.A. (WSE:BOS)

Poland · Delayed Price · Currency is PLN

10.40

+0.14 (1.36%)

Sep 22, 2026, 11:35 AM CET

Bank Ochrony Srodowiska Financials Overview

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

Millions PLN. Fiscal year is Jan - Dec.

Revenue & Profits

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Revenue	1,002	1,026	1,076	1,036	890.24	539.55
Revenue Growth	-6.82%	-4.62%	3.80%	16.41%	65.00%	65.60%
Net Income	59.91	124.51	79.66	78.37	128.24	47.46
Earnings Per Share	0.64	1.34	0.86	0.84	1.38	0.51
EPS Growth	-45.52%	56.30%	2.07%	-39.13%	170.59%	-

Revenue by Segment

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Corporate Division	264.34	272.65	294.24	327.61	194.34	212.27
SME, Micro and Retail Division	220.98	255.8	252.44	231.1	281.7	-1.49
Treasury and Investment Activity	278.88	269.72	230.94	199.99	212.5	174.53
Brokerage Activity	185.87	191.1	189.65	214.86	162.79	120.59
Other	-3.2	-1.77	57.48	-2.49	-2.27	-1.42
Total	946.87	987.51	1,025	971.07	849.06	504.47

Cash & Debt

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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	2,352	4,914	3,871	3,602	5,563	3,516
Total Debt	1,134	1,159	910.79	1,065	1,251	1,205
Net Cash (Debt)	1,218	3,755	2,960	2,537	4,312	2,311
Net Cash Growth	-68.46%	26.86%	16.69%	-41.16%	86.57%	168.97%
Net Cash Per Share	13.11	40.42	31.86	27.31	46.41	24.87

Cash Flow & CapEx

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Operating Cash Flow	-3,511	-1,962	-708.64	-689.26	186.12	750.76
Capital Expenditures	-29.16	-16.53	-20.18	-20.35	-23.22	-13.22
Free Cash Flow	-3,541	-1,979	-728.83	-709.61	162.9	737.53
Free Cash Flow Growth	-	-	-	-	-77.91%	-

Margins

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun '26 Jun 30, 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
Profit Margin	5.98%	12.14%	7.41%	7.56%	14.41%	8.79%
FCF Margin	-353.24%	-192.86%	-67.75%	-68.48%	18.30%	136.69%

Valuation

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep '26 Sep 22, 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	16.03	7.43	11.45	13.33	6.12	17.82
Forward PE	8.79	6.92	4.56	4.56	4.14	6.32
P/FCF Ratio	-	-	-	-	4.81	1.15
PS Ratio	0.95	0.90	0.85	1.01	0.88	1.57