Powszechna Kasa Oszczednosci Bank Polski SA
Powszechna Kasa Oszczednosci Bank Polski SA operates as a commercial bank within the Financials sector, generating revenue through interest income and fee-based banking services.
Business. Powszechna Kasa Oszczednosci Bank Polski SA (PKO.WA) is a commercial bank headquartered in Poland, operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the Warsaw Stock Exchange under the ticker symbol PKO.WA. Specific details regarding operating segments or geographic revenue breakdowns are not provided.
Analyst recommendations
14 analysts · consensus BuyAt a glance
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- Peers
- DividendDividend USD 1.75/sh2026-09-25 · Bank of America (BAC)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · JPMorgan Chase (JPM)
- EarningsQ3 2026 earnings (expected)2026-10-13 · estimated · Citigroup (C)
- Macro
- Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
- Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
- Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
- Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
- Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
- Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
- Macro & political
- ElectionSE Swedish Election2026-09-14 · SE
- ElectionUS U.S. Midterms2026-11-03 · US
- ElectionFR French Legislative2027-06-01 · FR
Pre-earnings brief
Signals & dispatch
Composite-score breakdown
Synthesis
Powszechna Kasa Oszczednosci Bank Polski SA (PKO.WA) is a commercial bank headquartered in Poland, operating within the Banking Services industry group. The company generates revenue primarily through interest income, consistent with standard commercial banking activities. It is listed on the Warsaw Stock Exchange under the ticker symbol PKO.WA. Specific details regarding operating segments or geographic revenue breakdowns are not provided.
Powszechna Kasa Oszczednosci Bank Polski SA maintains a capital structure characterized by total assets of 583.08 billion PLN and total equity of 58.51 billion PLN. The bank carries long-term debt of 36.998 billion PLN, resulting in a debt-to-equity ratio of 0.63. Liquidity is assessed as medium, with a key flag noting that net cash is negative after subtracting total debt. The company generates operating cash flow of 11.852 billion PLN and free cash flow of 3.716 billion PLN, supporting its balance sheet obligations.
Profitability metrics indicate a return on equity of 18.35% and a return on assets of 1.84%. The bank reports net income of 10.682 billion PLN on revenue of 24.223 billion PLN. Valuation multiples include a price-to-earnings ratio of 12.25 and a price-to-book ratio of 2.25. The enterprise value to revenue ratio stands at 6.97. These returns reflect the company's efficiency in deploying equity to generate earnings within the banking sector.
Revenue concentration and segment details are not provided in the available data. Geographic exposure specifics are also absent from the current dataset. The analysis relies on aggregate financial figures without breakdown by business line or region.
Growth trajectory analysis is limited by the absence of historical period data. The current financial snapshot provides a single-period view of revenue and net income. Without multi-year historical data, year-over-year growth rates and trend analysis cannot be computed. The company's current revenue base is 24.223 billion PLN.
Risk assessment identifies liquidity risk as medium and dilution risk as low. A key flag highlights that net cash is negative after subtracting total debt. The shares outstanding basic and diluted counts are identical at 1.25 billion, indicating no immediate dilutive securities in the current period. The company's risk profile is further contextualized by its medium liquidity rating.
Recent events include analyst estimates with a mean price target of 104.27 PLN and a median price target of 101.00 PLN. The mean recommendation is 2.21, with 2 strong buys, 7 buys, and 5 holds. The high price target is 120.00 PLN and the low is 92.00 PLN. No specific filing, news, or transcript observations are provided in the input data.
- The bank generates 10.682 billion PLN in net income on 24.223 billion PLN in revenue, yielding an 18.35% ROE.
- Valuation multiples include a P/E of 12.25 and a P/B of 2.25, with a market cap of 131.55 billion PLN.
- Liquidity risk is rated medium, with a key flag noting negative net cash after debt subtraction.
- Dilution risk is low, with basic and diluted shares outstanding both at 1.25 billion.
- Analyst sentiment is moderately positive, with a mean recommendation of 2.21 and a mean price target of 104.27 PLN.
- Historical growth data and segment breakdowns are absent, limiting trend and concentration analysis.
Bull / Bear case
Generated · model-assistedNet income surged 14.8% year-over-year to PLN 10.7 billion, demonstrating strong profitability growth.
Revenue grew 9.3% annually to PLN 24.2 billion, reflecting robust top-line expansion for the bank.
Total assets expanded 11.0% year-over-year to PLN 583.1 billion, signaling substantial balance sheet growth.
Free cash flow declined 15.7% year-over-year to PLN 3.7 billion, weakening liquidity generation.
Long-term debt increased to PLN 29.0 billion in FY-1, rising from PLN 21.5 billion in FY-2.
Debt-to-equity ratio of 0.63 is higher than the bank cohort median of 0.29, indicating higher leverage.
Analyst consensus shows negligible upside of -0.3%, suggesting the stock is fairly valued at current prices.
The company faces a medium level of liquidity risk, which could impact short-term financial stability.
In focus — financials by report
Revenue PLN 5.95B, −0,5% YoY; Net income +2,1% YoY.
- ▍Revenue PLN 5.95B, −0,5% YoY
- ▍Net income +2,1% YoY
- ▍Free cash flow +0,4% YoY
- ▍Net margin 42.4%
Revenue PLN 6.02B, −2,5% YoY; Net income +11,0% YoY.
- ▍Revenue PLN 6.02B, −2,5% YoY
- ▍Net income +11,0% YoY
- ▍Free cash flow +7,7% YoY
- ▍Net margin 45.1%
Revenue PLN 6.06B, +5,8% YoY; Net income +15,2% YoY.
- ▍Revenue PLN 6.06B, +5,8% YoY
- ▍Net income +15,2% YoY
- ▍Free cash flow −444,2% YoY
- ▍Net margin 46.8%
Revenue PLN 6.15B, +21,8% YoY; Net income +13,2% YoY.
- ▍Revenue PLN 6.15B, +21,8% YoY
- ▍Net income +13,2% YoY
- ▍Free cash flow +5,7% YoY
- ▍Net margin 43.2%
Revenue PLN 5.98B; Net margin 41.3%.
- ▍Revenue PLN 5.98B
- ▍Net margin 41.3%
Revenue PLN 6.17B; Net margin 39.6%.
- ▍Revenue PLN 6.17B
- ▍Net margin 39.6%
Revenue PLN 5.73B; Net margin 43.0%.
- ▍Revenue PLN 5.73B
- ▍Net margin 43.0%
Revenue PLN 5.05B; Net margin 46.5%.
- ▍Revenue PLN 5.05B
- ▍Net margin 46.5%
Revenue PLN 24.22B, +9,3% YoY; Net income +14,8% YoY.
- ▍Revenue PLN 24.22B, +9,3% YoY
- ▍Net income +14,8% YoY
- ▍Free cash flow −15,7% YoY
- ▍Net margin 44.1%
Revenue PLN 22.15B, +20,9% YoY; Net income +69,1% YoY.
- ▍Revenue PLN 22.15B, +20,9% YoY
- ▍Net income +69,1% YoY
- ▍Free cash flow −8,7% YoY
- ▍Net margin 42.0%
Revenue PLN 18.32B, +60,4% YoY; Net income +66,1% YoY.
- ▍Revenue PLN 18.32B, +60,4% YoY
- ▍Net income +66,1% YoY
- ▍Free cash flow +135,8% YoY
- ▍Net margin 30.0%
Revenue PLN 11.42B, +15,6% YoY; Net income −32,0% YoY.
- ▍Revenue PLN 11.42B, +15,6% YoY
- ▍Net income −32,0% YoY
- ▍Free cash flow −66,5% YoY
- ▍Net margin 29.0%
Valuation TTM
Revenue by segment
Business relationships
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Peer comparison
Market position
Stress test
Predictor forecast
| Metric | Our forecast | Guidance | Consensus |
|---|---|---|---|
| EPS | —no estimate | —no estimate | 8,79 |
| Revenue | —no estimate | —no estimate | 31,2B PLN |
| Operating income | —no estimate | —no estimate | 20,1B PLN |
Options
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Earnings-call key lines
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sell-side coverageEstimate revisions
consensus EPS · 26-week trendSell-side observations
Themes
ESG
Risk factors
- Net cash is negative after subtracting total debt.
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- Reference data
- Ev To Operating Cash Flowenterprise_value / operating_cash_flow
- Price To Bookmarket_price / (adjusted_book_value / shares_outstanding_diluted)
- Enterprise Valuemarket_cap - net_cash
- Cash Conversion Ratiooperating_cash_flow / net_income
- Market Capmarket_price * shares_outstanding_diluted
- Price To Earningsmarket_price / (net_income / shares_outstanding_diluted)
- Powszechna Kasa Oszczednosci Bank Polski SA Market data — financials · 2026-07-06
- Powszechna Kasa Oszczednosci Bank Polski SA Market data — analyst estimates · 2026-07-06
- Powszechna Kasa Oszczednosci Bank Polski SA Market data — ESG · 2026-07-06
- Powszechna Kasa Oszczednosci Bank Polski SA — company reference export (2026-07-05) · 2026-07-06
Ownership & reference
Top holders
- Investment Managers · as of 2026-03-310,00 %$0M