Obermatt

ING Bank Slaski

WSE:ING · PLBSK0000017
BanksMedium

360

34
Profit price37
Cash yield59
Price/Sales39
EV / Gross Profit38
Price/Book14
Returns on capital90
Profit margins
Cash Conversion47
Accruals18
Owner Earnings Margin75
Sales growth87
Profit Growth43
Owner Earnings Growth44
Reinvestment76
Price momentum90
Debt load56
Debt serviceability9
Liquidity8
Analyst ratings14
Opinion Changes50
Price Target Upside8
Market mood25
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

ING Bank Slaski clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryNetherlands
IndustryBanks
SizeMedium
TypePublic Company
ExchangeWSE
Employees3,169
Websiteing.pl
ISINPLBSK0000017
Last UpdateApr 2, 2026
Themes
Consumer LendingOnline PaymentsNeobankBankingFinancial Services

Description

ING Bank Slaski S.A., serves as a universal bank, providing a broad spectrum of financial services to both individual and corporate clients. It positions itself as the preferred financial partner in Poland, dedicated to delivering practical solutions…

Analysis

Beloved champion

ING Bank Slaski S.A. sits in the top corner of our grid: excellent business, premium price; every investor already knows the story.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.7×; owner earnings: the cash an owner could take out each year.

Growth is solid; the safety picture is stretched. The company scores 13/20 on our value-creation score: creating some value. Analyst sentiment is cautious.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
12
2023202420252026

All-time high

65

Nov 2025

All-time low

8

Jan 2024

Average rank

26

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
39
18
12
7
Price/Earnings
28
24
9
9
Price/Book
14
5
3
5
Dividend Yield
59
79
30
19
Value (overall)
20
27
4
1

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

Similar Stocks

The companies this stock is ranked against.

Compare ING Bank Slaski with its peers
Santander Bank Polska
WSE:SPL
49
CountrySpain
IndustryBanks
SizeMedium
Full Stock Analysis →
Luzerner Kantonalbank
SWX:LUKN
12
CountrySwitzerland
IndustryBanks
SizeSmall
Full Stock Analysis →
MONETA Money Bank
PRA:MONET
15
CountryCzechia
IndustryBanks
SizeSmall
Full Stock Analysis →
Banco BPM
MIL:BAMI
16
CountryItaly
IndustryBanks
SizeMedium
Full Stock Analysis →
Alior Bank
WSE:ALR
80
CountryPoland
IndustryBanks
SizeSmall
Full Stock Analysis →
Banco de Sabadell
MCE:SAB
25
CountrySpain
IndustryBanks
SizeMedium
Full Stock Analysis →

Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →