Bank Millennium S.A. (MIL.WA) stock analysis

In our weekly check, Bank Millennium S.A. is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 6.

About Bank Millennium S.A.

Bank Millennium S.A. is a Financial Services company (Banks - Regional), listed on WSE as MIL.WA.

What our checks show for MIL.WA

Red flags

• The gross margin fell by 29 points, to 67.7%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 11.3% a year.
• The stock has fallen as much as 91% from a peak. Would you have held through that?
• Recovering from its deepest fall took about 16 years.
• Return on capital (ROCE) is only 1.3%.

Strengths

• The net margin rose by 48.3 points over 5 years, to 14.6%.
• Operating cash flow is 6.13x net profit: the profit arrives as real cash.
• Analysts expect earnings per share to grow about 30.9% a year over the next years.
• Analysts expect the net margin to improve by 20.6 points from today's 14.6%.
• Revenue grew 19.4% a year over the last 3 years.
• Earnings per share grew 12.9% a year over the last 3 years.

Similar companies

BBD · BPE.MI · CFG · FCNCA · 1140.SR · RF

Questions

What grade does Bank Millennium S.A. (MIL.WA) have?

In our weekly check, Bank Millennium S.A. is graded C (A to F). Of 23 checks on debt, profit, cash flow and trend: 16 pass, warnings: 1, red flags: 6. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of MIL.WA stock?

This week's biggest flags for Bank Millennium S.A.: Gross margin falling, Weak revenue forecast, Deep past fall. In total 7 of 23 checks show a warning or a red flag.

What does Bank Millennium S.A. do?

Bank Millennium S.A. is a Financial Services company (Banks - Regional), listed on WSE as MIL.WA.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-31

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