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Bank Millennium has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Warning Sign:
Bank Millennium SA displays poor financial strength. Usually, this is caused by too much debt for the company.
GuruFocus Financial Strength Rank measures how strong a company's financial situation is. It is rated on a scale of 1 to 10 and is based on these factors:
1. The debt burden that the company has as measured by its Interest Coverage (current year). The higher, the better.
2. Debt to revenue ratio. The lower, the better.
3. Altman Z-Score.
4. Other debt related ratios.
A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
GuruFocus does not calculate Bank Millennium's interest coverage with the available data.
Bank Millennium's debt to revenue ratio for the quarter that ended in Jun. 2026 was 1.78.
Altman Z-Score does not apply to banks and insurance companies.
Bank Millennium (WAR:MIL) Financial Strength Explanation
The rank is rated on a scale of 1 to 10. A higher score indicates a stronger financial position, with companies rated 7 or above considered financially stable and unlikely to face distress. Conversely, a score of 3 or below suggests potential financial difficulties, indicating a higher risk of distress.
Bank Millennium has the Financial Strength Rank of 2. It displays poor financial strength and is likely in financial distress. Usually this is caused by too much debt for the company.
Interest Coverage is a ratio that determines how easily a company can pay interest expenses on outstanding debt. It is calculated by dividing a company's Operating Income (EBIT) by its Interest Expense:
Z-Score model is an accurate forecaster of failure up to two years prior to distress. It can be considered the assessment of the distress of industrial corporations.
The zones of discrimination were as such:
When Z-Score is less than 1.81, it is in Distress Zones.
When Z-Score is greater than 2.99, it is in Safe Zones.
When Z-Score is between 1.81 and 2.99, it is in Grey Zones.
Altman Z-Score does not apply to banks and insurance companies.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Bank Millennium (WAR:MIL) has a Financial Strength of 2 as of Jun. 2026. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bank Millennium and its competitors. This is 33% below median its historical median of 3.00. Over the past decade, Bank Millennium's Financial Strength has ranged from 2.00 to 6.00.
Is Bank Millennium's Financial Strength too high?
Bank Millennium's current Financial Strength of 2 is 33% below median its 10-year median of 3.00. Over the past 10 years, this metric has ranged from a low of 2.00 to a high of 6.00. Overall, Bank Millennium has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Millennium's Financial Strength compare to USB?
Bank Millennium's Financial Strength of 2 can be compared against companies in the Banks industry. Historically, Bank Millennium's own Financial Strength has ranged from 2.00 to 6.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Financial Strength for a Banks company?
A good Financial Strength depends on the Banks industry context. However, Financial Strength should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Financial Strength mean?
A high Financial Strength can signal that a stock is expensive relative to its fundamentals. The financial strength rank measures the strength of a company's balance sheet based on revenue and debt. View historical data on Bank Millennium and its competitors. Bank Millennium's current Financial Strength is 2, which is 33% below 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 Millennium stock overvalued right now?
Based on GuruFocus' analysis, Bank Millennium (WAR:MIL) is currently considered Significantly Overvalued. The stock's GF Value™ is zł11.17, compared to a current price of zł22.34 — trading 100% above its estimated fair value. The current Financial Strength is 2, which is 33% below median its 10-year median of 3.00. Bank Millennium's overall GF Score™ is 61/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Financial Strength calculated?
Financial Strength is calculated from a company's financial statements. For Bank Millennium (WAR:MIL), the current Financial Strength is 2 as of Jun. 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 Millennium (WAR:MIL) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Millennium stock appears to be overvalued.
The current stock price of zł22.34 is trading 100% above its estimated GF Value™ of zł11.17.
GuruFocus considers Bank Millennium to be Significantly Overvalued.
Key valuation signals for WAR:MIL:
Financial Strength: 2 (33% below median its 10-year median of 3.00)
GF Value™: zł11.17 vs. price of zł22.34 (100% above fair value)
No single metric tells the full story. See the WAR:MIL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Millennium SA is a commercial bank group operating in Poland. The bank's operating segments include retail, corporate, FX mortgage loans, treasury operations, assets/liabilities management and other segment. The company derives the majority of its revenue from the retail segment which comprises the banking products and services provided to individual customers on the mass market, affluent customers, sole traders as well as services to small companies.
61GF Score
Get the complete analysis for WAR:MIL
Financial Strength is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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