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Santander Bank Polska S.A
Buy, Hold or Sell?

Let's analyse Santander together

PenkeI guess you are interested in Santander Bank Polska S.A. Buy, hold or sell? I don't know! However, I do recommend doing research before doing anything. I will help you with that.

I'm going to help you getting a better view of Santander Bank Polska S.A. At the end you don't have to ask anyone for trading advice. You can make your own decision, with more confidence, the odds in your favor, backed by data.

You can find me behind Let's Analyse Together in the top-right of each section.

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Quick analysis of Santander (30 sec.)










What can you expect buying and holding a share of Santander? (30 sec.)

How much money do you get?

How much money do you get?
€25.15
When do you have the money?
1 year
How often do you get paid?
75.0%

What is your share worth?

Current worth
€76.29
Expected worth in 1 year
€84.39
How sure are you?
96.4%

+ What do you gain per year?

Total Gains per Share
€31.35
Return On Investment
24.4%

For what price can you sell your share?

Current Price per Share
€128.50
Expected price per share
€120.60 - €
How sure are you?
50%

1. Valuation of Santander (5 min.)




Live pricePrice per Share (EOD)

€128.50

Intrinsic Value Per Share

€-3,524.49 - €-4,284.56

Total Value Per Share

€-3,448.20 - €-4,208.27

2. Growth of Santander (5 min.)




Is Santander growing?

Current yearPrevious yearGrowGrow %
How rich?$8.4b$7.1b$1.2b14.8%

How much money is Santander making?

Current yearPrevious yearGrowGrow %
Making money$302.3m$175.1m$127.1m42.1%
Net Profit Margin30.3%22.2%--

How much money comes from the company's main activities?

3. Financial Health of Santander (5 min.)




4. Comparing to competitors in the Banks - Regional industry (5 min.)




  Industry Rankings (Banks - Regional)  

What can you expect buying and holding a share of Santander? (5 min.)

Welcome investor! Santander's management wants to use your money to grow the business. In return you get a share of Santander.

What can you expect buying and holding a share of Santander?

First you should know what it really means to hold a share of Santander. And how you can make/lose money.

Speculation

The Price per Share of Santander is €128.50. The market price reflects what other people think it is worth; not what it's really worth. Your job is to find out if the market price is fair, overpriced, or underpriced. I will help you with that.

If you buy blind, there is a 50% chance of making or losing money by selling the stock in the future. However, we can look at a few things to determine the odds in our favor:

  • The fundamentals: the financial health trends of Santander.
  • The technials: based on market psychology, we can make a calculated estimate of what the price will do in the future. We can do this through technical analysis. We can calculate the probabilities and the expected value (millionaire math). That's called speculation.
  • The book value: what is the market price compared to it's book value.

Investing

If you really want to invest in Santander, you will have to let go of the thought of selling in the future. If you have to sell the share for less than you bought it, it can still be a good investment. Focus on what it means to hold the stock forever:

  • You own a part of the company. The equity of this part can grow or shrink. The current Book Value per Share is €76.29. Based on the TTM, the Book Value Change Per Share is €2.02 per quarter. Based on the YOY, the Book Value Change Per Share is €1.64 per quarter.
  • You may receive quarterly/yearly dividend in the form of additional shares.
  • You may receive quarterly/yearly dividend in the form of cash. Based on the TTM the Dividend per Share is €5.81 per quarter.
Based on historical numbers we can estimate the returns while holding a share of Santander.

How much money are you going to get?

 MRQTTMYOY5Y10Y
 % of Price per Share% of Price per Share% of Price per Share% of Price per Share% of Price per Share
Usd Eps2.401.9%3.412.7%1.711.3%1.551.2%1.511.2%
Usd Book Value Change Per Share-3.94-3.1%2.191.7%1.781.4%0.860.7%2.952.3%
Usd Dividend Per Share25.1519.6%6.294.9%3.202.5%3.873.0%3.803.0%
Usd Total Gains Per Share21.2116.5%8.486.6%4.983.9%4.733.7%6.755.3%
Usd Price Per Share121.58-91.50-57.32-68.09-74.29-
Price to Earnings Ratio12.66-7.24-9.72-17.90-17.53-
Price-to-Total Gains Ratio5.73-16.26-13.36-17.55-17.29-
Price to Book Ratio1.47-1.11-0.82-0.96-1.13-
Price-to-Total Gains Ratio5.73-16.26-13.36-17.55-17.29-

When do you get the money?

Usd Investment
$.00
Usd Price Per Share138.99845
Number of shares7
Gains per QuarterTrailing 12 Months5 Year
Usd Dividend Per Share6.293.87
Usd Book Value Change Per Share2.190.86
Usd Total Gains Per Share8.484.73
Gains per Quarter (7 shares)59.3433.11
Gains per Year (7 shares)237.36132.43
YearsReturn on Investment (TTM)Return on Investment (5Y)
 DividendBook Value gainTotal gainsDividendBook Value gainTotal gains
Broker costs---10---10
11766122710824122
235212346421748254
352818470132572386
470424593843396518
58803071175542120650
610563681412650144782
712324291649758169914
8140849018868671931046
9158455221239752171178
101760613236010842411310

How sure are you?

Based on the past periods, how sure are you to get value out of your investment.

Linear %
 Trailing 12 Months3Y5 Year10 YearALLTIME
  % % % % %
Earnings Per Share4.00.00.0100.0%12.00.00.0100.0%20.00.00.0100.0%28.00.00.0100.0%28.00.00.0100.0%
Book Value Change Per Share3.01.00.075.0%8.04.00.066.7%15.05.00.075.0%23.05.00.082.1%23.05.00.082.1%
Dividend per Share1.00.03.025.0%9.00.03.075.0%13.00.07.065.0%21.00.07.075.0%21.00.07.075.0%
Total Gains per Share4.00.00.0100.0%11.01.00.091.7%19.01.00.095.0%27.01.00.096.4%27.01.00.096.4%

Fundamentals of Santander

About Santander Bank Polska S.A

Santander Bank Polska S.A. provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, deposits and currencies, internet and mobile banking, and mobile contactless payments, and credit solutions. The company also provides investment advisory, structured deposits, structured certificates and bonds, and brokerage services. In addition, the company offers accounts, business loans, credits, cards and payment terminals, deposits and investments, foreign trade, financial markets, leasing, and internet banking services. Further, the company offers transaction handling, liquidity management, export, import, domestic, and foreign guarantees, working capital finance, current, and investment financing services. Additionally, the company provides foreign exchange, hedging financial risk, correspondence banking, trade finance, and trust services, as well as solutions for financial institutions and global banking transactions. Furthermore, it offers debt and rating advisory and capital market and debt capital services. The company was founded in 1857 and is headquartered in Warsaw, Poland. Santander Bank Polska S.A. operates as a subsidiary of Banco Santander, S.A.

Fundamental data was last updated by Penke on 2024-03-19 10:16:05.

Financial Health

Profitability Details
 Compared to previous yearCompared to industry
The company is making a huge profit.
Using its assets, the company is inefficient in making profit.
Using its investors money, the company is inefficient in making profit.
Operating Efficiency Details
 Compared to previous yearCompared to industry
Liquidity Details
 Compared to previous yearCompared to industry
The company is unable to pay all its short-term debts.
Solvency Details
 Compared to previous yearCompared to industry
The company is just able to pay all its debts by selling its assets.
The company is unable to pay all its debts with equity.

Valuation

Valuation Details
 Compared to previous yearCompared to industry
Based on the equity, the company is underpriced.
Based on the earnings, the company is cheap.
Based on how much money comes from the company's main activities, the company is expensive.

1.1. Profitability of Santander Bank Polska S.A.

1.1. Profitability
1.1.1. Net Profit Margin

Measures how much net profit Santander earns for each €1 of revenue.

  • Above 10% is considered healthy but always compare Santander to the Banks - Regional industry mean.
  • A Net Profit Margin of 23.6% means that €0.24 for each €1 in revenue is generated as profit.

Let's take a look of the Net Profit Margin trends of Santander Bank Polska S.A:

  • The MRQ is 23.6%. The company is making a huge profit. +2
  • The TTM is 30.3%. The company is making a huge profit. +2
Trends
Current periodCompared to+/- 
MRQ23.6%TTM30.3%-6.6%
TTM30.3%YOY22.2%+8.1%
TTM30.3%5Y20.0%+10.3%
5Y20.0%10Y23.5%-3.5%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ23.6%18.4%+5.2%
TTM30.3%28.0%+2.3%
YOY22.2%25.2%-3.0%
5Y20.0%22.8%-2.8%
10Y23.5%19.8%+3.7%
1.1.2. Return on Assets

Shows how efficient Santander is using its assets to generate profit.

  • Above 5% is considered healthy but always compare Santander to the Banks - Regional industry mean.
  • 0.4% Return on Assets means that Santander generated €0.00 profit for each $1 in assets.

Let's take a look of the Return on Assets trends of Santander Bank Polska S.A:

  • The MRQ is 0.4%. Using its assets, the company is inefficient in making profit. -1
  • The TTM is 0.4%. Using its assets, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ0.4%TTM0.4%-0.1%
TTM0.4%YOY0.3%+0.2%
TTM0.4%5Y0.2%+0.2%
5Y0.2%10Y0.3%0.0%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.4%0.1%+0.3%
TTM0.4%0.2%+0.2%
YOY0.3%0.2%+0.1%
5Y0.2%0.2%+0.0%
10Y0.3%0.2%+0.1%
1.1.3. Return on Equity

Shows how efficient Santander is using its investors money to generate profit.

  • Above 15%-20% is considered healthy but always compare Santander to the Banks - Regional industry mean.
  • 3.1% Return on Equity means Santander generated €0.03 for each €1 the owners (shareholders) invested.

Let's take a look of the Return on Equity trends of Santander Bank Polska S.A:

  • The MRQ is 3.1%. Using its investors money, the company is inefficient in making profit. -1
  • The TTM is 3.8%. Using its investors money, the company is inefficient in making profit. -1
Trends
Current periodCompared to+/- 
MRQ3.1%TTM3.8%-0.7%
TTM3.8%YOY2.6%+1.2%
TTM3.8%5Y2.1%+1.7%
5Y2.1%10Y2.2%-0.1%
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ3.1%1.4%+1.7%
TTM3.8%2.5%+1.3%
YOY2.6%2.7%-0.1%
5Y2.1%2.5%-0.4%
10Y2.2%2.8%-0.6%

1.2. Operating Efficiency of Santander Bank Polska S.A.

1.2. Operating Efficiency
1.2.1. Operating Margin

Measures how efficient Santander is operating .

  • Measures how much profit Santander makes for each €1 of sales after paying variable costs (production costs, wages, etc) but before taxes.
  • Above 15% is considered healthy but always compare Santander to the Banks - Regional industry mean.
  • An Operating Margin of 0.0% means the company generated €0.00  for each €1 in revenue (before taxes).

Let's take a look of the Operating Margin trends of Santander Bank Polska S.A:

  • The MRQ is 0.0%. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.0%
TTM-YOY-0.0%
TTM-5Y-0.0%
5Y-10Y-0.0%
1.2.2. Operating Ratio

Measures how efficient Santander is keeping operating costs low.

  • Below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • An Operation Ratio of 0.00 means that the operating costs are €0.00 for each €1 in net sales.

Let's take a look of the Operating Ratio trends of Santander Bank Polska S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY-0.000
TTM-5Y0.142-0.142
5Y0.14210Y0.260-0.118

1.3. Liquidity of Santander Bank Polska S.A.

1.3. Liquidity
1.3.1. Current Ratio

Measures if Santander is able to pay off Short-term Debt.

  • Above 1.5 is considered healthy (always compare to Banks - Regional industry mean).
  • A Current Ratio of 0.00 means the company has €0.00 in assets for each €1 in short-term debts.

Let's take a look of the Current Ratio trends of Santander Bank Polska S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM0.036-0.036
TTM0.036YOY0.131-0.095
TTM0.0365Y0.079-0.043
5Y0.07910Y0.085-0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
TTM0.0360.124-0.088
YOY0.1310.225-0.094
5Y0.0790.219-0.140
10Y0.0850.131-0.046
1.3.2. Quick Ratio

Measures if Santander is able to pay off Short-term Debt but only using the most liquid assets.

  • Above 1 is considered healthy but always compare Santander to the Banks - Regional industry mean.
  • A Quick Ratio of 0.00 means the company can pay off €0.00 for each €1 in debt (using most liquid assets).

Let's take a look of the Quick Ratio trends of Santander Bank Polska S.A:

  • The MRQ is 0.000. The data is not here.
Trends
Current periodCompared to+/- 
MRQ-TTM-0.000
TTM-YOY0.002-0.002
TTM-5Y0.002-0.002
5Y0.00210Y0.003-0.001

1.4. Solvency of Santander Bank Polska S.A.

1.3. Liquidity
1.4.1. Debt to Asset Ratio

Measures how much % of Santander assets are financed with debt.

  • Below 1 (100%) is considered healthy but always compare Santander to Banks - Regional industry mean.
  • A Debt to Asset Ratio of 0.88 means that Santander assets are financed with 87.8% credit (debt) and the remaining percentage (100% - 87.8%) is financed by its owners/shareholders. 

Let's take a look of the Debt to Asset Ratio trends of Santander Bank Polska S.A:

  • The MRQ is 0.878. The company is just able to pay all its debts by selling its assets.
  • The TTM is 0.875. The company is just able to pay all its debts by selling its assets.
Trends
Current periodCompared to+/- 
MRQ0.878TTM0.875+0.003
TTM0.875YOY0.887-0.012
TTM0.8755Y0.878-0.002
5Y0.87810Y0.871+0.006
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ0.8780.915-0.037
TTM0.8750.917-0.042
YOY0.8870.919-0.032
5Y0.8780.919-0.041
10Y0.8710.927-0.056
1.4.2. Debt to Equity Ratio

Measures if Santander is able to pay off its debts by using shareholders equity.

  • Below 2 is considered healthy but always compare Santander to the Banks - Regional industry mean.
  • A Debt to Equity ratio of 764.9% means that company has €7.65 debt for each €1 in shareholders equity.

Let's take a look of the Debt to Equity Ratio trends of Santander Bank Polska S.A:

  • The MRQ is 7.649. The company is unable to pay all its debts with equity. -1
  • The TTM is 7.437. The company is unable to pay all its debts with equity. -1
Trends
Current periodCompared to+/- 
MRQ7.649TTM7.437+0.213
TTM7.437YOY8.387-0.950
TTM7.4375Y7.632-0.196
5Y7.63210Y7.252+0.380
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
MRQ7.64910.829-3.180
TTM7.43711.013-3.576
YOY8.38711.363-2.976
5Y7.63211.437-3.805
10Y7.25213.038-5.786

2. Market Valuation of Santander Bank Polska S.A

2.1. Earnings Per Share
2.1. Price to Earnings Ratio

Measures how much money you pay for each share for every €1 in earnings Santander generates.

  • Above 15 is considered overpriced but always compare Santander to the Banks - Regional industry mean.
  • A PE ratio of 12.66 means the investor is paying €12.66 for every €1 in earnings.

Let's take a look of the Price to Earnings Ratio trends of Santander Bank Polska S.A:

  • The EOD is 14.475. Based on the earnings, the company is underpriced. +1
  • The MRQ is 12.661. Based on the earnings, the company is underpriced. +1
  • The TTM is 7.245. Based on the earnings, the company is cheap. +2
Trends
Current periodCompared to+/- 
EOD14.475MRQ12.661+1.814
MRQ12.661TTM7.245+5.416
TTM7.245YOY9.724-2.479
TTM7.2455Y17.897-10.653
5Y17.89710Y17.534+0.363
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD14.4757.398+7.077
MRQ12.6616.680+5.981
TTM7.2455.295+1.950
YOY9.7246.943+2.781
5Y17.8979.770+8.127
10Y17.5349.943+7.591
2.2. Price To Free Cash Flow Ratio

Let's take a look of the Price To Free Cash Flow Ratio trends of Santander Bank Polska S.A:

  • The EOD is -1.591. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The MRQ is -1.392. Based on how much money comes from the company's main activities, the company is expensive. -2
  • The TTM is -0.254. Based on how much money comes from the company's main activities, the company is expensive. -2
Trends
Current periodCompared to+/- 
EOD-1.591MRQ-1.392-0.199
MRQ-1.392TTM-0.254-1.137
TTM-0.254YOY-0.471+0.216
TTM-0.2545Y-0.100-0.155
5Y-0.10010Y-0.071-0.028
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD-1.591-2.069+0.478
MRQ-1.392-1.868+0.476
TTM-0.254-0.342+0.088
YOY-0.4716.448-6.919
5Y-0.1000.429-0.529
10Y-0.0710.091-0.162
2. Book Value per Share
2.3. Price to Book Ratio

Measures if the stock price of Santander is to cheap or to expensive compared to its book value.

  • At or below 1 is considered healthy (always compare to Banks - Regional industry mean).
  • A PB ratio of 1.47 means the investor is paying €1.47 for each €1 in book value.

Let's take a look of the Price to Book Ratio trends of Santander Bank Polska S.A:

  • The EOD is 1.684. Based on the equity, the company is underpriced. +1
  • The MRQ is 1.473. Based on the equity, the company is underpriced. +1
  • The TTM is 1.111. Based on the equity, the company is underpriced. +1
Trends
Current periodCompared to+/- 
EOD1.684MRQ1.473+0.211
MRQ1.473TTM1.111+0.362
TTM1.111YOY0.823+0.288
TTM1.1115Y0.958+0.154
5Y0.95810Y1.130-0.172
Compared to industry (Banks - Regional)
PeriodCompanyIndustry (mean)+/- 
EOD1.6840.427+1.257
MRQ1.4730.386+1.087
TTM1.1110.470+0.641
YOY0.8230.642+0.181
5Y0.9580.795+0.163
10Y1.1301.025+0.105
2. Total Gains per Share

3. Summary

3.1. Key Performance Indicators

The key performance indicators of Santander Bank Polska S.A compared to the Most Recent Quarter (MRQ).

 End of day+/-Most Recent QuarterTrailing 12 Months+/-Year-Over-Year+/-5 Year+/-10 Year+/-
Book Value Change Per Share---3.6432.024-280%1.643-322%0.795-558%2.725-234%
Book Value Per Share--76.29176.055+0%64.682+18%65.775+16%62.232+23%
Current Ratio---0.036-100%0.131-100%0.079-100%0.085-100%
Debt To Asset Ratio--0.8780.875+0%0.887-1%0.878+0%0.871+1%
Debt To Equity Ratio--7.6497.437+3%8.387-9%7.632+0%7.252+5%
Dividend Per Share--23.2505.813+300%2.962+685%3.577+550%3.516+561%
Eps--2.2193.151-30%1.584+40%1.432+55%1.393+59%
Free Cash Flow Per Share---20.19321.078-196%20.043-201%28.658-170%28.658-170%
Free Cash Flow To Equity Per Share---20.19369.029-129%40.308-150%63.821-132%63.821-132%
Gross Profit Margin--1.0001.0000%1.0000%1.0000%1.0000%
Intrinsic Value_10Y_max---4284.562--------
Intrinsic Value_10Y_min---3524.489--------
Intrinsic Value_1Y_max--11.441--------
Intrinsic Value_1Y_min--11.497--------
Intrinsic Value_3Y_max---301.552--------
Intrinsic Value_3Y_min---281.105--------
Intrinsic Value_5Y_max---1019.546--------
Intrinsic Value_5Y_min---917.403--------
Market Cap13131286500.000+13%11486078893.6008643938597.975+33%5421882545.430+112%6434236385.727+79%7018780673.055+64%
Net Profit Margin--0.2360.303-22%0.222+6%0.200+18%0.235+0%
Operating Margin----0%-0%-0%-0%
Operating Ratio----0%-0%0.142-100%0.260-100%
Pb Ratio1.684+13%1.4731.111+33%0.823+79%0.958+54%1.130+30%
Pe Ratio14.475+13%12.6617.245+75%9.724+30%17.897-29%17.534-28%
Price Per Share128.500+13%112.40084.588+33%52.995+112%62.952+79%68.675+64%
Price To Free Cash Flow Ratio-1.591-14%-1.392-0.254-82%-0.471-66%-0.100-93%-0.071-95%
Price To Total Gains Ratio6.554+13%5.73316.256-65%13.357-57%17.553-67%17.290-67%
Quick Ratio----0%0.002-100%0.002-100%0.003-100%
Return On Assets--0.0040.004-21%0.003+28%0.002+45%0.003+29%
Return On Equity--0.0310.038-19%0.026+18%0.021+46%0.022+37%
Total Gains Per Share--19.6077.837+150%4.605+326%4.373+348%6.241+214%
Usd Book Value--8433043063.0778407001353.918+0%7160852202.431+18%7272859867.610+16%6880533151.289+23%
Usd Book Value Change Per Share---3.9402.190-280%1.777-322%0.860-558%2.947-234%
Usd Book Value Per Share--82.52482.269+0%69.966+18%71.149+16%67.316+23%
Usd Dividend Per Share--25.1506.287+300%3.204+685%3.870+550%3.803+561%
Usd Eps--2.4013.409-30%1.713+40%1.549+55%1.507+59%
Usd Free Cash Flow---2232086868.3002329868762.350-196%2238269324.650-200%2538786461.460-188%1813418901.043-223%
Usd Free Cash Flow Per Share---21.84322.800-196%21.681-201%30.999-170%30.999-170%
Usd Free Cash Flow To Equity Per Share---21.84374.668-129%43.601-150%69.035-132%69.035-132%
Usd Market Cap14204112607.050+13%12424491539.2079350148381.430+33%5864850349.392+112%6959913498.441+79%7592215054.044+64%
Usd Price Per Share138.998+13%121.58391.498+33%57.325+112%68.095+79%74.286+64%
Usd Profit--245329559.351302313018.364-19%175157322.137+40%149149504.326+64%147462757.159+66%
Usd Revenue--1038209146.003998409213.903+4%769651873.151+35%691510626.008+50%620458656.566+67%
Usd Total Gains Per Share--21.2098.477+150%4.981+326%4.730+348%6.751+214%
 EOD+5 -3MRQTTM+12 -20YOY+20 -135Y+20 -1410Y+20 -14

3.2. Fundamental Score

Let's check the fundamental score of Santander Bank Polska S.A based on Penke's default stock scanner.

Penke's Stock Scanner

  
  
IndicatorConditionValue
Price to Earnings Ratio (EOD)Between0-1514.475
Price to Book Ratio (EOD)Between0-11.684
Net Profit Margin (MRQ)Greater than00.236
Operating Margin (MRQ)Greater than00.000
Quick Ratio (MRQ)Greater than10.000
Current Ratio (MRQ)Greater than10.000
Debt to Asset Ratio (MRQ)Less than10.878
Debt to Equity Ratio (MRQ)Less than17.649
Return on Equity (MRQ)Greater than0.150.031
Return on Assets (MRQ)Greater than0.050.004
Total3/10 (30.0%)

3.3. Technical Score

Let's check the technical score of Santander Bank Polska S.A based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5062.586
Ma 20Greater thanMa 50124.310
Ma 50Greater thanMa 100117.446
Ma 100Greater thanMa 200107.217
OpenGreater thanClose128.500
Total4/5 (80.0%)



Latest Balance Sheet

Balance Sheet of 2023-12-31. Currency in PLN. All numbers in thousands.

Summary
Total Assets276,651,885
Total Liabilities242,960,867
Total Stockholder Equity31,762,645
 As reported
Total Liabilities 242,960,867
Total Stockholder Equity+ 31,762,645
Total Assets = 276,651,885

Assets

Total Assets276,651,885
Total Current Assets-
Long-term Assets-
Total Current Assets
Cash And Cash Equivalents 11,653,390
Total Current Assets  (as reported)0
Total Current Assets  (calculated)11,653,390
+/- 11,653,390
Long-term Assets
Property Plant Equipment 1,259,574
Goodwill 1,712,056
Long Term Investments 79,004,933
Intangible Assets 881,857
Long-term Assets  (as reported)0
Long-term Assets  (calculated)82,858,420
+/- 82,858,420

Liabilities & Shareholders' Equity

Total Current Liabilities-
Long-term Liabilities-
Total Stockholder Equity31,762,645
Total Current Liabilities
Accounts payable 62,073
Total Current Liabilities  (as reported)0
Total Current Liabilities  (calculated)62,073
+/- 62,073
Long-term Liabilities
Long-term Liabilities  (as reported)0
Long-term Liabilities  (calculated)0
+/-0
Total Stockholder Equity
Retained Earnings 5,942,238
Total Stockholder Equity (as reported)31,762,645
Total Stockholder Equity (calculated)5,942,238
+/- 25,820,407
Other
Capital Stock1,021,893
Common Stock Shares Outstanding 102,189
Net Debt 2,607,764
Net Invested Capital 46,023,799
Property Plant and Equipment Gross 3,006,233



Balance Sheet

Currency in PLN. All numbers in thousands.

 Trend2023-12-312023-09-302023-06-302023-03-312022-12-312022-09-302022-06-302022-03-312021-12-312021-09-302021-06-302021-03-312020-12-312020-09-302020-06-302020-03-312019-12-312019-09-302019-06-302019-03-312018-12-312018-09-302018-06-302018-03-312017-12-312017-09-302017-06-302017-03-31
> Total Assets 
146,378,295
149,766,718
150,424,368
152,674,444
157,556,422
168,517,212
177,399,883
205,852,860
208,266,363
205,826,460
204,072,985
209,476,166
215,899,523
221,609,230
222,833,964
229,311,309
238,243,006
231,378,541
233,653,251
244,876,340
245,938,512
246,504,606
263,395,142
259,167,215
258,620,665
263,777,159
278,049,339
276,651,885
276,651,885278,049,339263,777,159258,620,665259,167,215263,395,142246,504,606245,938,512244,876,340233,653,251231,378,541238,243,006229,311,309222,833,964221,609,230215,899,523209,476,166204,072,985205,826,460208,266,363205,852,860177,399,883168,517,212157,556,422152,674,444150,424,368149,766,718146,378,295
   > Total Current Assets 
10,592,835
9,837,768
7,592,864
10,220,402
11,183,356
10,933,328
16,954,817
26,097,596
20,559,364
15,773,558
10,740,258
16,832,478
12,197,996
9,143,512
7,774,815
15,005,744
14,264,161
6,784,037
6,564,884
21,529,174
19,009,058
17,315,636
36,569,210
36,601,135
0
0
32,344,133
0
032,344,1330036,601,13536,569,21017,315,63619,009,05821,529,1746,564,8846,784,03714,264,16115,005,7447,774,8159,143,51212,197,99616,832,47810,740,25815,773,55820,559,36426,097,59616,954,81710,933,32811,183,35610,220,4027,592,8649,837,76810,592,835
       Cash And Cash Equivalents 
1,878,679
2,132,266
2,150,075
3,668,237
2,055,623
2,024,552
2,308,146
8,451,885
7,201,578
8,029,115
10,171,744
9,608,429
7,106,086
6,926,627
5,544,714
8,330,081
13,736,283
5,616,474
5,900,776
11,052,437
10,655,833
9,909,072
15,865,223
13,466,954
14,009,669
13,318,470
13,451,599
11,653,390
11,653,39013,451,59913,318,47014,009,66913,466,95415,865,2239,909,07210,655,83311,052,4375,900,7765,616,47413,736,2838,330,0815,544,7146,926,6277,106,0869,608,42910,171,7448,029,1157,201,5788,451,8852,308,1462,024,5522,055,6233,668,2372,150,0752,132,2661,878,679
       Short-term Investments 
809,034
8,248
0
0
0
60,756
259,599
177,482
180,203
537,258
223,860
1,851,171
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
00000000000000001,851,171223,860537,258180,203177,482259,59960,7560008,248809,034
       Net Receivables 
2,644,432
0
0
756,662
0
0
0
897,695
0
0
0
791,567
0
0
0
719,869
24,012
151,826
174,717
1,182,001
221,469
257,476
17,404
999,232
0
0
0
0
0000999,23217,404257,476221,4691,182,001174,717151,82624,012719,869000791,567000897,695000756,662002,644,432
       Inventory 
24,481
0
0
103
0
0
0
6,849
0
0
0
4,300
0
0
0
0
0
0
0
48
0
0
0
40
0
0
0
0
0000400004800000004,3000006,8490001030024,481
       Other Current Assets 
2,575,357
1,981,339
2,967,844
2,032,339
3,162,481
2,669,751
4,541,120
6,559,980
5,312,912
4,071,025
5,732,832
5,655,092
7,184
2,127,405
622,306
1,254,947
1,271,878
910,395
399,774
5,857,856
3,723,159
3,019,197
8,431,534
6,898,713
8,379,366
0
7,332,120
0
07,332,12008,379,3666,898,7138,431,5343,019,1973,723,1595,857,856399,774910,3951,271,8781,254,947622,3062,127,4057,1845,655,0925,732,8324,071,0255,312,9126,559,9804,541,1202,669,7513,162,4812,032,3392,967,8441,981,3392,575,357
   > Long-term Assets 0000000000000000000000000000
       Property Plant Equipment 
858,934
858,046
857,240
930,717
898,332
900,490
918,828
986,384
1,736,824
1,670,392
1,638,998
1,712,870
1,635,548
1,547,476
1,519,935
1,514,086
1,414,073
1,390,048
1,298,835
1,250,011
1,257,419
1,191,648
1,158,900
1,185,614
1,157,904
1,154,995
1,217,136
1,259,574
1,259,5741,217,1361,154,9951,157,9041,185,6141,158,9001,191,6481,257,4191,250,0111,298,8351,390,0481,414,0731,514,0861,519,9351,547,4761,635,5481,712,8701,638,9981,670,3921,736,824986,384918,828900,490898,332930,717857,240858,046858,934
       Goodwill 
1,688,516
1,688,516
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,056
1,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,712,0561,688,5161,688,516
       Long Term Investments 
27,380,929
27,588,600
28,455,329
27,925,345
29,902,907
35,721,302
36,186,547
34,071,803
53,380,355
49,213,634
42,434,127
44,333,728
46,038,243
60,505,794
66,918,498
70,972,254
72,902,777
74,957,234
74,163,608
76,982,294
73,927,485
73,306,984
60,806,258
63,725,425
63,825,818
70,445,804
79,808,969
79,004,933
79,004,93379,808,96970,445,80463,825,81863,725,42560,806,25873,306,98473,927,48576,982,29474,163,60874,957,23472,902,77770,972,25466,918,49860,505,79446,038,24344,333,72842,434,12749,213,63453,380,35534,071,80336,186,54735,721,30229,902,90727,925,34528,455,32927,588,60027,380,929
       Intangible Assets 
452,759
436,761
430,607
490,327
486,567
495,572
526,149
819,409
773,264
742,302
734,570
772,117
728,938
696,945
688,811
708,356
669,130
658,384
637,320
692,802
666,472
654,248
655,551
740,756
720,935
756,482
776,915
881,857
881,857776,915756,482720,935740,756655,551654,248666,472692,802637,320658,384669,130708,356688,811696,945728,938772,117734,570742,302773,264819,409526,149495,572486,567490,327430,607436,761452,759
> Total Liabilities 
124,686,906
127,866,212
127,768,426
129,330,815
133,790,826
144,528,772
152,853,003
179,184,649
181,391,658
180,227,017
177,655,246
182,496,656
188,658,010
193,721,721
194,377,935
200,653,319
209,154,617
202,446,147
204,664,872
217,662,764
218,931,259
218,039,887
234,548,600
229,051,877
226,671,658
230,369,016
242,749,594
242,960,867
242,960,867242,749,594230,369,016226,671,658229,051,877234,548,600218,039,887218,931,259217,662,764204,664,872202,446,147209,154,617200,653,319194,377,935193,721,721188,658,010182,496,656177,655,246180,227,017181,391,658179,184,649152,853,003144,528,772133,790,826129,330,815127,768,426127,866,212124,686,906
   > Total Current Liabilities 
111,060,862
114,442,414
113,941,464
115,357,381
120,498,556
128,563,194
134,893,049
159,018,278
160,467,009
158,612,729
154,417,412
160,289,383
169,955,803
172,102,026
173,438,923
183,747,669
192,096,668
186,369,862
189,298,751
196,262,500
199,357,868
198,786,162
215,029,037
212,066,284
210,271,870
0
225,311,861
0
0225,311,8610210,271,870212,066,284215,029,037198,786,162199,357,868196,262,500189,298,751186,369,862192,096,668183,747,669173,438,923172,102,026169,955,803160,289,383154,417,412158,612,729160,467,009159,018,278134,893,049128,563,194120,498,556115,357,381113,941,464114,442,414111,060,862
       Short-term Debt 
16,760,662
19,281,383
6,403
11,257
6,555
16,810
24,782
16,827
24,651
16,466
24,873
16,589
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000016,58924,87316,46624,65116,82724,78216,8106,55511,2576,40319,281,38316,760,662
       Short Long Term Debt 
16,760,662
19,281,383
6,403
11,257
6,555
16,810
24,782
16,827
24,651
16,466
24,873
16,589
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
000000000000000016,58924,87316,46624,65116,82724,78216,8106,55511,2576,40319,281,38316,760,662
       Accounts payable 
105,180,590
106,227,007
108,026,526
108,717,071
111,900,266
119,207,724
122,151,733
145,963,913
972,007
28,701
36,440
154,761,260
163,149,291
164,817,026
166,784,096
171,579,364
179,485,171
173,083,756
177,598,254
185,395,517
187,805,621
184,323,902
191,509,348
197,463,996
198,261,685
41,621
211,565,814
62,073
62,073211,565,81441,621198,261,685197,463,996191,509,348184,323,902187,805,621185,395,517177,598,254173,083,756179,485,171171,579,364166,784,096164,817,026163,149,291154,761,26036,44028,701972,007145,963,913122,151,733119,207,724111,900,266108,717,071108,026,526106,227,007105,180,590
       Other Current Liabilities 
643,815
577,277
763,272
1,294,592
729,940
912,673
1,192,558
795,540
1,063,423
1,284,596
1,175,325
948,507
3,799,976
1,149,387
743,736
695,328
585,129
1,096,888
1,108,501
744,365
1,251,510
1,602,533
940,882
1,431,731
1,963,023
0
3,132,421
0
03,132,42101,963,0231,431,731940,8821,602,5331,251,510744,3651,108,5011,096,888585,129695,328743,7361,149,3873,799,976948,5071,175,3251,284,5961,063,423795,5401,192,558912,673729,9401,294,592763,272577,277643,815
   > Long-term Liabilities 0000000000000000000000000000
> Total Stockholder Equity
20,358,513
20,615,108
21,294,117
21,907,220
22,234,904
22,577,440
23,057,026
25,104,027
25,464,252
24,202,134
24,937,399
25,431,987
25,635,076
26,317,842
26,826,490
26,994,750
27,384,381
27,284,247
27,278,905
25,531,680
25,276,736
26,773,030
27,106,503
28,318,083
30,103,379
31,576,764
33,382,480
31,762,645
31,762,64533,382,48031,576,76430,103,37928,318,08327,106,50326,773,03025,276,73625,531,68027,278,90527,284,24727,384,38126,994,75026,826,49026,317,84225,635,07625,431,98724,937,39924,202,13425,464,25225,104,02723,057,02622,577,44022,234,90421,907,22021,294,11720,615,10820,358,513
   Common Stock
992,345
992,345
993,335
993,335
993,335
993,335
993,335
1,020,883
1,020,883
1,020,883
1,020,883
1,020,883
1,020,883
1,020,883
1,021,893
1,021,893
1,021,893
1,021,893
1,021,893
1,021,893
1,021,893
1,021,893
1,021,893
1,021,893
0
0
1,021,893
0
01,021,893001,021,8931,021,8931,021,8931,021,8931,021,8931,021,8931,021,8931,021,8931,021,8931,021,8931,020,8831,020,8831,020,8831,020,8831,020,8831,020,8831,020,883993,335993,335993,335993,335993,335992,345992,345
   Retained Earnings 
3,174,582
2,174,883
2,735,580
13,820,229
3,490,477
2,784,762
3,279,675
15,680,290
4,446,065
1,844,696
2,458,816
15,769,303
3,082,666
2,275,442
2,755,025
16,807,825
1,932,935
2,108,689
2,652,478
18,539,973
4,573,082
3,386,417
3,665,800
21,102,996
5,761,102
3,451,137
4,979,907
5,942,238
5,942,2384,979,9073,451,1375,761,10221,102,9963,665,8003,386,4174,573,08218,539,9732,652,4782,108,6891,932,93516,807,8252,755,0252,275,4423,082,66615,769,3032,458,8161,844,6964,446,06515,680,2903,279,6752,784,7623,490,47713,820,2292,735,5802,174,8833,174,582
   Capital Surplus 0000000000000000000000000000
   Treasury Stock0000000000000000000000000000
   Other Stockholders Equity 
16,191,586
17,447,880
17,565,202
58,232
17,751,092
18,799,343
18,784,016
363,139
19,997,304
21,336,555
21,457,700
659,827
21,531,527
23,021,517
23,049,572
1,183,058
24,429,553
24,153,665
23,604,534
-2,012,160
19,681,761
22,364,720
22,418,810
-1,788,780
0
0
27,380,680
0
027,380,68000-1,788,78022,418,81022,364,72019,681,761-2,012,16023,604,53424,153,66524,429,5531,183,05823,049,57223,021,51721,531,527659,82721,457,70021,336,55519,997,304363,13918,784,01618,799,34317,751,09258,23217,565,20217,447,88016,191,586



Balance Sheet

Currency in PLN. All numbers in thousands.




Cash Flow

Currency in EUR. All numbers in thousands.




Income Statement

Currency in PLN. All numbers in thousands.


Latest Income Statement (annual, 2023-12-31)

Gross Profit (+$)
totalRevenue15,943,032
Cost of Revenue--
Gross Profit-15,943,032
 
Operating Income (+$)
Gross Profit-
Operating Expense--
Operating Income-0
 
Operating Expense (+$)
Research Development-
Selling General Administrative1,342,945
Selling And Marketing Expenses-
Operating Expense-1,342,945
 
Net Interest Income (+$)
Interest Income18,409,758
Interest Expense-5,293,859
Other Finance Cost-0
Net Interest Income13,115,899
 
Pretax Income (+$)
Operating Income-
Net Interest Income13,115,899
Other Non-Operating Income Expenses-
Income Before Tax (EBT)6,850,0210
EBIT - interestExpense = -5,293,859
4,831,107
10,124,966
Interest Expense5,293,859
Earnings Before Interest and Taxes (EBIT)-12,143,880
Earnings Before Interest and Taxes (EBITDA)-
 
After tax Income (+$)
Income Before Tax6,850,021
Tax Provision-1,902,192
Net Income From Continuing Ops4,947,8294,947,829
Net Income4,831,107
Net Income Applicable To Common Shares-
 
Non-recurring Events
Discontinued Operations-
Extraordinary Items-
Effect of Accounting Charges-
Other Items-
Non Recurring-
Other Operating Expenses-
Total Other Income/Expenses Net--13,115,899
 

Technical Analysis of Santander
The psychology behind the price

Technical indicators reflecting market sentiment and the collective psychology of you and other traders. Your emotions and other traders' emotions, such as fear and greed, play a significant role in driving price movements.

General trend

First of all, I'm going to put something in the back of your mind. One of the most stable factors that gives you more confidence as a trader: the general trend of Santander. The general trend of Santander is BULLISH with 100.0% confidence. It is very important for your mental being to use each indicator with this in mind. But beware, also the general trend flips once in a while! You can use moving averages to determine Santander's overall trend. For convenience I use the most commonly used moving averages: 20, 50, 100 & 200. Of course you can use other moving averages or other indicators to determine the trend.

Indicator phases

Some of the indicators I use have 3 zones: overbought, oversold and neutral. Transitions between these zones (market phases) provide valuable trading signals and insights. Expecially with the general trend mind, I use the highlighted phases:

Indicator zone transitionsBullish trend (100.0%) Bearish trend (-100.0%)
Overbought to neutralBullish pullback=Bearish reversal
Upper to lower neutralBullish correction=Bearish continuation
Nuetral to oversoldOversold=Oversold
Oversold to neutralBullish reversal=Bearish correction
Lower to upper neutralBullish continuation=Bearish pullback
Nuetral to overboughtOverbought=Overbought

1. Price Targets

1.1 Support & Resistance

Support and resistance are levels on a price chart that act as barriers or zones where the price of an asset tends to stop, reverse, or experience a significant amount of buying or selling pressure.

Support is a price level at which demand for an asset is strong enough to prevent the price from falling further.
Resistance is a price level at which selling pressure becomes significant enough to prevent the price of an asset from rising further.


Score

Let's take a look at the Support & Resistance of Santander Bank Polska S.A.

The long score for the Support & Resistance is 1/1.
The longshort score for the Support & Resistance is 1/(-1 +1).

  • Around support: The price is currently trading around a support level. This can be considered as a potential entry level. +1

The bullish price targets are: .

The bearish price targets are: 128.30 > 120.60 > 120.60.

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Santander Bank Polska S.A Daily Support & Resistance Chart

2. Trend Indicators

2.1 Moving Averages

Shows the moving average of the selected period.

  • Moving averages are lagging trend indicators.
  • There are many types of moving averages.
  • Moving averages are also used within other indicators.

Score

Let's take a look at the Moving Averages of Santander Bank Polska S.A. The current mas is .

The long score for the Moving Averages is 14/14.
The longshort score for the Moving Averages is 14/(-14 +14).

  • MA 20 trending up: The MA 20 is trending up. +1
  • Close > MA 20: The price is above the MA 20. +1
  • MA 20 > MA 50: The MA 20 is higher than the MA 50. +1
  • MA 20 > MA 100: The MA 20 is higher than the MA 100. +1
  • MA 20 > MA 200: The MA 20 is higher than the MA 200. +1
  • MA 50 trending up: The MA 50 is trending up. +1
  • Close > MA 50: The price is above the MA 50. +1
  • MA 50 > MA 100: The MA 50 is higher than the MA 100. +1
  • MA 50 > MA 200: The MA 50 is higher than the MA 200. +1
  • MA 100 trending up: The MA 100 is trending up. +1
  • Close > MA 100: The price is above the MA 100. +1
  • MA 100 > MA 200: The MA 100 is higher than the MA 200. +1
  • MA 200 trending up: The MA 200 is trending up. +1
  • Close > MA 200: The price is above the MA 200. +1

Directionalities and relatives.

Moving AverageAmount of candlesTrendPrice +/-vs. MA 50vs. MA 100vs. MA 200
MA 2020
MA 5050-
MA 100100--
MA 200200---

Explanation: https://www.youtube.com/watch?v=xwW8h0lrQ-I

Santander Bank Polska S.A Daily Moving Averages Chart
2.2 Moving Average Convergence/Divergence (MACD)

Shows the momentum of the selected period based on two moving averages.

  • MACD is a lagging momentum indicator.
  • Uses two moving averages.
  • Can show buy or sell signals based on momentum.
  • Can show overbought. and oversold. levels.

Score

Let's take a look at the Moving Average Convergence/Divergence (MACD) of Santander Bank Polska S.A. The current macd is 2.1406348.

The long score for the Moving Average Convergence/Divergence (MACD) is 2/4.
The longshort score for the Moving Average Convergence/Divergence (MACD) is 0/(-4 +4).

  • MACD line < signal line: The MACD line is below the signal line, which indicates a bearish signal in the market. This means that the negative momentum is currently stronger than the average momentum, suggesting that sellers are more active than buyers, and there's a higher probability of the Santander price going down in the near term. -2
  • MACD > 0: The MACD is above the zero line (centerline), it indicates a bullish signal for Santander. This means that the short-term moving average is higher than the long-term moving average, signaling positive momentum and suggesting a higher likelihood of the Santander price continuing to rise in the near future. It indicates that buyers are gaining control, and there is optimism in the market, leading to potential price increases. +1
  • Trending up: The MACD line is trending up. This indicates that the short-term moving average is rising faster than the long-term moving average, suggesting positive momentum in the market. This signals that buyers are becoming more active and confident, leading to potential price increases as traders anticipate further gains and are willing to buy at higher prices. +1
Santander Bank Polska S.A Daily Moving Average Convergence/Divergence (MACD) ChartSantander Bank Polska S.A Daily Moving Average Convergence/Divergence (MACD) Chart
2.3 Directional Movement Index (DMI)

The DMI is a collection of 3 indicators: +DI (Plus Direction Indicator), -DI (Minus Direction Indicator) and ADX (Average Directional Index). The ADX helps you determine the strength of a trend.


Score

Let's take a look at the Directional Movement Index (DMI) of Santander Bank Polska S.A. The current adx is 24.37.

The long score for the Directional Movement Index (DMI) is 2/7.
The longshort score for the Directional Movement Index (DMI) is 2/(-7 +7).

  • PLUS_ID > MINUS_DI: The +DI line is above the -DI line. This indicates a bullish signal in the market, as the positive directional movement is currently stronger than the negative directional movement, showing that buyers have the upper hand. Market psychology suggests that traders are optimistic, expecting further price increases, and are more willing to buy Santander shares, leading to potential upward momentum in its price. +1
  • PLUS_ID > MINUS_DI && ADX < 25 && ADX trending up: The ADX is below 25 and indicates a weak or no trend. However, the ADX is rising and a new bullish trend could be forming. +1
Santander Bank Polska S.A Daily Directional Movement Index (DMI) Chart
2.4 Parabolic SAR

Shows the current trend and potential entry and exit signals.

  • Parabolic SAR (stop and reverse) is a lagging trend indicator.
  • Shows the current trend.
  • Shows potential entry signals.
  • Shows  potential exit signals.
  • Can be used to place trailing stoplosses..

Score

Let's take a look at the Parabolic SAR of Santander Bank Polska S.A. The current sar is 120.99.

The long score for the Parabolic SAR is 1/1.
The longshort score for the Parabolic SAR is 1/(-1 +1).

  • Close > SAR: The price is above the SAR. It's generally considered a bullish signal. +1
Santander Bank Polska S.A Daily Parabolic SAR Chart

3. Momentum Indicators

3.1 Relative Strength Index (RSI)

Measures the speed and change of price movements.

  • Leading momentum indicator, meaning the signals are instant.
  • Ranges between 0 and 100.
  • Above 70 is considered overbought.
  • Below 30 is considered oversold.
  • Above or below 50 can also be used to determine price trend or support and resistance.
  • RSI divergence looks at a deviation between RSI and price movement. Penketrading automatically calculates RSI divergences.
  • Can be used in many different ways

Score

Let's take a look at the Relative Strength Index (RSI) of Santander Bank Polska S.A. The current rsi is 62.59. The current phase is Continuation in bull market.

The long score for the Relative Strength Index (RSI) is 4/13.
The longshort score for the Relative Strength Index (RSI) is 4/(-13 +13).

  • Continuation in bull market: Uptrend continues after a consolidation or pullback. Hold or add to existing positions.
  • Trending up: The RSI is trending up. +1
Santander Bank Polska S.A Daily Relative Strength Index (RSI) ChartSantander Bank Polska S.A Daily Relative Strength Index (RSI) Chart
3.2 Stochastic Oscillator

Compares a certain price to multiple prices ranging over time.

  • Leading momentum indicator, meaning the signals are instant.
  • Used to determine overbought and oversold areas much like the RSI.
  • Ranges between 0 and 100.
  • Above 80 is considered overbought.
  • Below 20 is considered oversold.
  • Consists of two lines named K and D.
  • K compares the highest high and lowest low on the selected price range.
  • The D line is a moving average of the K line.
  • Can be used to spot divergences

Score

Let's take a look at the Stochastic Oscillator of Santander Bank Polska S.A. The current phase is Overbought in bull market.

The long score for the Stochastic Oscillator is 6/6.
The longshort score for the Stochastic Oscillator is 6/(-6 +6).

  • STOCH > 50: The STOCH %K is above 50. There are more buyers than sellers. +1
  • STOCH > 80: The STOCH %K is above 80 and overbought. +2
  • STOCH %K line > STOCH %D line: The STOCH %K line is above the STOCH %D line, which indicates a bullish signal in the market. This means that the positive momentum is currently stronger than the average momentum, suggesting that buyers are more active than sellers, and there's a higher probability of the Santander price going up in the near term. +2
  • Trending up: The STOCH %K is trending up. +1
Santander Bank Polska S.A Daily Stochastic Oscillator ChartSantander Bank Polska S.A Daily Stochastic Oscillator Chart
3.3 Commodity Channel Index (CCI)

Measures the difference between the current price and the historical average price.

  • Lagging or leading Momentum indicator
  • When the CCI is above zero, the price is above the historical average
  • When the CCI is below zero, the price is below the historical average
  • Used for spotting trends
    • If the CCI moves from negative or near zero to positive 100 that might indicate an uptrend
    • If the CCI moves from positive or near zero to negative -100 that might indicate a downtrend

Score

Let's take a look at the Commodity Channel Index (CCI) of Santander Bank Polska S.A. The current cci is 144.95.

The long score for the Commodity Channel Index (CCI) is 1/1.
The longshort score for the Commodity Channel Index (CCI) is 1/(-1 +1).

  • CCI > 100: The CCI is above 100, it indicates that the price is significantly above its average, suggesting a potential overbought condition. +1
Santander Bank Polska S.A Daily Commodity Channel Index (CCI) ChartSantander Bank Polska S.A Daily Commodity Channel Index (CCI) Chart
3.4 Chande Momentum Oscillator (CMO)

Measures the difference between the sum of recent gains and the sum of recent losses. Then divides the result by the sum of all price movements in that period.

  • Lagging momentum indicator
  • Ranges between +100 and -100
  • Considered overbought above +50
  • Considered oversold below -50
  • It's possible to add a moving average that acts as a signal line

Score

Let's take a look at the Chande Momentum Oscillator (CMO) of Santander Bank Polska S.A. The current cmo is 29.96.

The long score for the Chande Momentum Oscillator (CMO) is 1/1.
The longshort score for the Chande Momentum Oscillator (CMO) is 1/(-1 +1).

  • CMO > 0: The CMO is above 0, the momentum of the price is positive, indicating a potential uptrend in the price. +1
Santander Bank Polska S.A Daily Chande Momentum Oscillator (CMO) ChartSantander Bank Polska S.A Daily Chande Momentum Oscillator (CMO) Chart
3.5 Williams %R

 Shows the current price relative to the highest high over the last 14 days.
 

  • Lagging momentum indicator
  • Ranging between 0 and -100
  • Above -20 is considered overbought
  • Below -80 is considered oversold
  • Is prone to give false signals

Score

Let's take a look at the Williams %R of Santander Bank Polska S.A. The current willr is 0.

The long score for the Williams %R is 1/1.
The longshort score for the Williams %R is 1/(-1 +1).

  • WILLR > -20: The Williams %R is above -20. This indicates that the price is in overbought territory, suggesting a potential price correction or trend reversal to the downside. +1
Santander Bank Polska S.A Daily Williams %R ChartSantander Bank Polska S.A Daily Williams %R Chart

4. Volatility Indicators

4.1 Bollinger Bands

Shows if the price is to high or to low relative to an average.

  • Lagging volatility indicator
  • Uses 3 bands: one upper, one lower and one in the middle
  • Works best when the middle band reflects an intermediate trend (MA20).
  • When the price is moving closer to the upper band, the market might be overbought
  • When the price is moving closer to the lower band, the market might be oversold 

Score

Let's take a look at the Bollinger Bands of Santander Bank Polska S.A.

Santander Bank Polska S.A Daily Bollinger Bands Chart
4.2 Average True Range (ATR)
Measures market volatility
  • Leading volatility indicator
  • Can be used to determine stop-loss positions
  • Calculated by:
    • Current high minus the current low
    • Current high minus the previous close
    • Current low minus the previous close
  • The larger the range of the candles, the greater the ATR value

Score

Let's take a look at the Average True Range (ATR) of Santander Bank Polska S.A. The current atr is 1.90501398.

Santander Bank Polska S.A Daily Average True Range (ATR) ChartSantander Bank Polska S.A Daily Average True Range (ATR) Chart

5. Volume Indicators

5.1 On-Balance Volume (OBV)

 Measures market volatility

  • Leading momentum indicator
  • Calculation:
    • If the closing price is above the previous closing price: OBV = previous OBV + current volume
    • If the closing price is below the previous closing price: OBV = previous OBV - current volume
    • If the closing price is the same as the previous closing price than the OBV is the same.
  • Can be used to confirm price trends
  • Can be used with divergences

Score

Let's take a look at the On-Balance Volume (OBV) of Santander Bank Polska S.A. The current obv is -34.

Santander Bank Polska S.A Daily On-Balance Volume (OBV) ChartSantander Bank Polska S.A Daily On-Balance Volume (OBV) Chart
5.2 Money Flow Index (MFI)

Measures the flow of money in and out of a security

  • Lagging momentum indicator
  • Looks like RSI but uses volume as an extra metric (RSI only considers price)
  • Above 80 is considered overbought
  • Below 20 is considered oversold
  • Can be used with divergences

Score

Let's take a look at the Money Flow Index (MFI) of Santander Bank Polska S.A. The current mfi is 37.89.

The long score for the Money Flow Index (MFI) is 0/2.
The longshort score for the Money Flow Index (MFI) is -1/(-2 +2).

  • MFI < 50: -1
Santander Bank Polska S.A Daily Money Flow Index (MFI) ChartSantander Bank Polska S.A Daily Money Flow Index (MFI) Chart

6. Summary

6.1. Notifications

TypeNotificationDate
PenkeCurrently no notifications for Santander Bank Polska S.A.

6.2. Trading Signals

Below you will find trading signals as the indicator is commonly used. This doesn't mean you should use it that way. Learn from these, but don't use them blindly. I recommend using at least 4 indicators, 1 from each category: trend, momentum, volatility and volume.

DateIndicatorSignal
2023-11-08MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2023-11-09STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-10CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-13RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-14STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-16RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-11-17CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-20STOCH SHORT EXITThe %K line crosses above the %D line.
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
2023-11-21ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-22RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-11-23MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-27STOCH SHORT EXITThe %K line crosses above the %D line.
2023-11-28STOCH LONG EXITThe %K line crosses below the %D line.
2023-11-29STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-11-30CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-01RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-04STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2023-12-06STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-07RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2023-12-12STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
2023-12-14CCI LONG ENTRY SHORT CLOSE100 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2023-12-15STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-18CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-19STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2023-12-21MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2023-12-27STOCH LONG EXITThe %K line crosses below the %D line.
2023-12-28STOCH SHORT EXITThe %K line crosses above the %D line.
2023-12-29STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-03RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-01-05STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-08STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-09MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-10RSI SHORT ENTRY LONG CLOSE70 crossover to downside
STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-12CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-18DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-01-19DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-23STOCH LONG EXITThe %K line crosses below the %D line.
2024-01-24DMI SHORT ENTRY LONG CLOSEThe +DI crossed the -DI to the downside. The trend is reversing to a down trend.
CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-25DMI LONG ENTRY SHORT CLOSEThe +DI crossed the -DI to the upside. The trend is reversing to an up trend.
MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-01-26STOCH SHORT EXITThe %K line crosses above the %D line.
2024-01-29CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-01-30STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-01-31SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-01MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
2024-02-02STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-05STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-06STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-07ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-08STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-09STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-12MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-02-13STOCH SHORT EXITThe %K line crosses above the %D line.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-14STOCH LONG EXITThe %K line crosses below the %D line.
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-02-15STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-16MACD LONG ENTRY SHORT CLOSEThe MACD line crosses above the signal line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
MFI LONG ENTRY SHORT CLOSE80 crossover to upside
2024-02-20ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-21BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-22STOCH LONG EXITThe %K line crosses below the %D line.
2024-02-23STOCH SHORT EXITThe %K line crosses above the %D line.
BB SHORT ENTRY LONG CLOSEPrice closed above the lower band.
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-26ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-02-27STOCH LONG EXITThe %K line crosses below the %D line.
MFI SHORT ENTRY LONG CLOSE80 crossover to downside
2024-02-28RSI SHORT ENTRY LONG CLOSE70 crossover to downside
2024-03-01STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-04STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-06MACD SHORT ENTRY LONG CLOSEThe MACD line crosses below the signal line.
2024-03-07MFI SHORT ENTRY LONG CLOSE20 crossover to downside
2024-03-08SAR SHORT ENTRY LONG CLOSEThe price broke the SAR to the downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-12STOCH SHORT EXITThe %K line crosses above the %D line.
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
2024-03-13ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-14STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-19CCI SHORT ENTRY LONG CLOSE-100 crossover to downside
CMO SHORT ENTRY LONG CLOSEZero line crossover to downside
WILLR SHORT ENTRY LONG CLOSE-80 crossover to downside
ATR SHORT ENTRY LONG CLOSEPrice closed below (close - ATR).
2024-03-20MFI LONG ENTRY SHORT CLOSE20 crossover to upside
2024-03-21STOCH SHORT EXITThe %K line crosses above the %D line.
2024-03-22SAR LONG ENTRY SHORT CLOSEThe price broke the SAR to the upside.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
CMO LONG ENTRY SHORT CLOSEZero line crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).
2024-03-26STOCH LONG EXITThe %K line crosses below the %D line.
2024-03-27STOCH SHORT EXITThe %K line crosses above the %D line.
CCI LONG ENTRY SHORT CLOSE100 crossover to upside
WILLR LONG ENTRY SHORT CLOSE-20 crossover to upside
ATR LONG ENTRY SHORT CLOSEPrice closed above (close + ATR).

6.3. Candlestick Patterns

Santander Bank Polska S.A Daily Candlestick Chart
DateCandlestick Pattern

6.4. Technical Score

Let's check the technical score of Santander Bank Polska S.A based on Penke's default Symbol scanner.

Penke's Symbol Scanner

  
  
IndicatorConditionValue
RsiGreater than5062.586
Ma 20Greater thanMa 50124.310
Ma 50Greater thanMa 100117.446
Ma 100Greater thanMa 200107.217
OpenGreater thanClose128.500
Total4/5 (80.0%)
Penke

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