Company	Price	Valuation					Profitability					Cash & leverage					Quality				Rating
		P/E	P/B	P/S	EV / EBITDA	DCF upside	Gross margin	Operating margin	Net margin	ROE	ROIC	FCF yield	Debt / equity	Net debt / EBITDA	Interest coverage	Current ratio	Dividend yield	Piotroski (0-9)	Altman Z	Rating score (1-5)
EBP.WAthis companyErste Bank Polska S.A.	PLN 795.60	8.6×	1.57×	3.12×	7.36×	80.0%	89.6%	46.2%	36.2%	18.3%	2.1%	7.4%	0.63×	0.99×	1.85×	4.79×	8.6%	4	0.31	3	B+
ALR.WAAlior Bank S.A.	PLN 140.05	6.09×	1.11×	1.73×	4.28×	142.5%	70.3%	35.2%	28.4%	18.2%	13.0%	20.1%	0.2×	-0.24×	1.65×	0.06×	8.3%	7	-0.67	3	B+
BHW.WABank Handlowy w Warszawie S.A.	PLN 122.20	8.26×	1.37×	3.3×	3.88×	175.3%	75.4%	51.6%	40.0%	16.6%	4.7%	7.3%	0.4×	-2.37×	2.15×	0.52×	13.0%	4	0.28	4	A-
BNP.WABNP Paribas Bank Polska S.A.	PLN 179.60	6.33×	1.08×	1.7×	5.73×	19.7%	63.5%	32.9%	26.8%	17.1%	1.7%	20.1%	0.86×	1.2×	0.94×	0×	6.0%	6	0.28	4	A-
BOS.WABank Ochrony Srodowiska S.A.	PLN 10.10	7.43×	0.38×	0.67×	-16.14×	429.8%	47.7%	10.3%	9.0%	5.1%	2.9%	56.4%	0.44×	-20.34×	0.21×	0.26×	0.0%	2	0.25	3	B
ING.WAING Bank Slaski S.A.	PLN 473.00	9.6×	2.08×	2.57×	9.57×	-29.6%	66.9%	34.0%	26.8%	21.7%	1.6%	11.2%	0.9×	2.01×	1.19×	6.78×	7.4%	5	-0.59	3	B
Peer median	—	7.43×	1.11×	1.73×	4.28×	142.5%	66.9%	34.0%	26.8%	17.1%	2.9%	20.1%	0.44×	-0.24×	1.19×	0.26×	7.4%	5	0.25	3	—