Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Bank Handlowy w WarszawieLTS:0DOS 70 3-Year EPS without NRI Growth Rate is 4.40% as of Mar. 2026, which is 47% above its 10-year median of 3.00. GuruFocus rates LTS:0DOS with a GF Score™ of 70/100 and a GF Value™ of zł65.19. The stock has 6 warning signs investors should review. Among 1,409 Banks companies, Bank Handlowy w Warszawie ranks worse than 58.77% on this metric.
During the past 12 months, Bank Handlowy w Warszawie's average EPS without NRI Growth Rate was 0.30% per year.
During the past 3 years, the average EPS without NRI Growth Rate was 4.40% per year.
During the past 5 years, the average EPS without NRI Growth Rate was 36.00% per year.
During the past 10 years, the average EPS without NRI Growth Rate was 15.80% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
During the past 13 years, the highest 3-Year average EPS without NRI Growth Rate of Bank Handlowy w Warszawie was 82.90% per year. The lowest was -17.40% per year. And the median was 3.00% per year.
Bank Handlowy w Warszawie (LTS:0DOS) 3-Year EPS without NRI Growth Rate Explanation
EPS without NRI is the amount of earnings without non-recurring items per outstanding share of the company's stock.
Earnings Per Share (EPS) is the single most important variable used by Wall Street in determining the earnings power of a company. But investors need to be aware that Earnings per Share can be easily manipulated by adjusting depreciation and amortization rate or non-recurring items. That's why GuruFocus lists Earnings per share without Non-Recurring Items, which better reflects the company's underlying performance.
Bank Handlowy w Warszawie 3-Year EPS without NRI Growth Rate Related Terms
LTS:0DOS vs PNC, USB: 3-Year EPS without NRI Growth Rate Comparison
For the Banks - Regional subindustry, Bank Handlowy w Warszawie's 3-Year EPS without NRI Growth Rate, along with its competitors' market caps and 3-Year EPS without NRI Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Bank Handlowy w Warszawie 3-Year EPS without NRI Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Bank Handlowy w Warszawie's 3-Year EPS without NRI Growth Rate distribution charts can be found below:
* The bar in red indicates where Bank Handlowy w Warszawie's 3-Year EPS without NRI Growth Rate falls into.
Bank Handlowy w Warszawie 3-Year EPS without NRI Growth Rate Calculation
This is the 3-year average growth rate of EPS without NRI. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average EPS without NRI growth rate.
What does a 3-Year EPS without NRI Growth Rate of 4.40% mean?
Bank Handlowy w Warszawie (LTS:0DOS) has a 3-Year EPS without NRI Growth Rate of 4.40% as of Mar. 2026. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Bank Handlowy w Warszawie and its competitors. This is 47% above median its historical median of 3.00. According to the industry distribution chart, Bank Handlowy w Warszawie ranks #828 out of 1409 companies in the Banks industry, placing it in the top 58.8%.
Is Bank Handlowy w Warszawie's 3-Year EPS without NRI Growth Rate too high?
Bank Handlowy w Warszawie's current 3-Year EPS without NRI Growth Rate of 4.40% is 47% above median its 10-year median of 3.00. The Banks industry median 3-Year EPS without NRI Growth Rate is 7.50. Bank Handlowy w Warszawie's value of 4.40% is 41.3% below this industry median. Based on the distribution chart, Bank Handlowy w Warszawie ranks #828 out of 1409 companies in the Banks industry, which is below the industry midpoint. Overall, Bank Handlowy w Warszawie has a GF Score™ of 70/100, reflecting its overall financial health beyond just this single metric.
How does Bank Handlowy w Warszawie's 3-Year EPS without NRI Growth Rate compare to PNC and USB?
According to the Banks industry distribution chart, Bank Handlowy w Warszawie ranks #828 out of 1409 companies for 3-Year EPS without NRI Growth Rate. This places Bank Handlowy w Warszawie in the lower half of its industry. The industry median 3-Year EPS without NRI Growth Rate is 7.50. Bank Handlowy w Warszawie's value of 4.40% is 41.3% below this benchmark. While the company's 10-year median is 3.00 vs. the industry median of 7.50, Bank Handlowy w Warszawie has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year EPS without NRI Growth Rate for a Banks company?
The median 3-Year EPS without NRI Growth Rate among Banks companies is 7.50, based on 1,409 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year EPS without NRI Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year EPS without NRI Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Handlowy w Warszawie's current 3-Year EPS without NRI Growth Rate of 4.40% is 41.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year EPS without NRI Growth Rate mean?
A high 3-Year EPS without NRI Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year EPS without NRI Growth Rate is the 3-year average growth rate of EPS without NRI. View historical data for Bank Handlowy w Warszawie and its competitors. For the Banks industry, the median 3-Year EPS without NRI Growth Rate is 7.50 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Handlowy w Warszawie's current 3-Year EPS without NRI Growth Rate is 4.40%, which is 47% above median its own 10-year median of 3.00. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Handlowy w Warszawie stock overvalued right now?
Bank Handlowy w Warszawie (LTS:0DOS) has a current 3-Year EPS without NRI Growth Rate of 4.40%. The stock's GF Value™ is zł65.19, compared to a current price of zł102.60 — trading 57.4% above its estimated fair value. The current 3-Year EPS without NRI Growth Rate is 4.40%, which is 47% above median its 10-year median of 3.00 and 41.3% below the Banks industry median of 7.50. Bank Handlowy w Warszawie's overall GF Score™ is 70/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year EPS without NRI Growth Rate calculated?
3-Year EPS without NRI Growth Rate is calculated from a company's financial statements. For Bank Handlowy w Warszawie (LTS:0DOS), the current 3-Year EPS without NRI Growth Rate is 4.40% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Bank Handlowy w Warszawie (LTS:0DOS) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Handlowy w Warszawie stock appears to be overvalued.
The current stock price of zł102.60 is trading 57.4% above its estimated GF Value™ of zł65.19.
Key valuation signals for LTS:0DOS:
3-Year EPS without NRI Growth Rate: 4.40% (47% above median its 10-year median of 3.00)
GF Value™: zł65.19 vs. price of zł102.60 (57.4% above fair value)
Industry Position: 41.3% below the Banks median (#828 of 1409)
No single metric tells the full story. See the LTS:0DOS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Handlowy w Warszawie SA is a Poland-based bank and the parent company of the Bank Handlowy Group. It is a subsidiary of Citigroup, through Citibank Overseas Investment Corporation. The group provides retail, corporate, and investment banking services, as well as leasing and other financial services.
70GF Score
Get the complete analysis for LTS:0DOS
3-Year EPS without NRI Growth Rate is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LTS:0DOS has been successfully added to your 
