Getin Holding S.A.

GTN.WA

Banks - Regional · Financial Services

Price

0.36 PLN

-0.00 (-1.08%)

Market Cap

69.3M PLN

Exchange

Warsaw Stock Exchange

Winston Score

Winston is serious

Below-average fundamentals — multiple weak pillars.

Based on the IPO prospectus (annual filing). This score will refine automatically once the company reports its first quarters.

Data as of Aug 23, 2026 · filings through Mar 31, 2026

How the score breaks down

Growth

Mixed

Valuation

Good

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Winston Score History

The full picture

Getin Holding S.A. is a Polish financial services company that owns and operates banks and other financial businesses across Central and Eastern Europe. Its main products include retail banking, loans, deposits, and leasing services, aimed at everyday consumers and small businesses. The company is listed on the Warsaw Stock Exchange and has historically been one of the larger privately owned banking groups in Poland.

Getin Holding makes money primarily through interest income — it lends money to customers and earns the difference between what it pays on deposits and what it charges on loans. The group has operated mainly in Poland, with some presence in other regional markets. However, the company has faced serious financial difficulties in recent years, including its core subsidiary Getin Noble Bank being placed into forced restructuring by Polish regulators in 2022. The key risk facing Getin Holding is whether it can stabilize its remaining assets and recover value for shareholders after the collapse of its main banking unit.

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-26.8% YoY

YoY Growth Rate

Revenue declining

EPS Growth

-120.0% YoY

YoY Growth Rate

Earnings declining

R&D Spend

0 PLN/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

45.0%ownership

→ Flat

Insider ownership roughly steady over the past year

Cash Runway

~5 years

25M PLN cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

25M PLN cash & investments at current burn rate

Revenue declining

Getin Holding S.A.'s revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Share count broadly stable

0.0% over 4y

The share count has stayed roughly flat over this period — little dilution or buyback activity.

Diluted shares outstanding: 189.8M (2021) → 189.8M (2025)

Score breakdown

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Bank Quality

Not applicable for this business.

Growth

Sales growth

Sales YoY

+232.9%

Fast-growing sales (+232.9% YoY)

Profit growth

EPS YoY

-101.5%

Earnings shrinking (-101.5% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

How steady the profit is

EPS Consistency

N/A

Data not available

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Capital Strength

Not applicable for this business.

Asset Quality

Not applicable for this business.

Valuation

Price vs profit

P/E Ratio (TTM)

11.2x

Attractive valuation — P/E 11.2

P/E in the normal range. Price is roughly $15 for every $1 of yearly profit.

Cheaper or dearer next year

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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