Education
About Us
Working with TipRanks
Follow Us
BANK POLSKA KASA OPIEKI SA (PL:PEO)
:PEO
Earnings Data
Report Date
Apr 30, 2026TBA (Confirmed)
Period Ending
2026 (Q1)Consensus EPS Forecast
―Last Year’s EPS
6.42Same Quarter Last Year
Moderate Buy
Based on 2 Analysts Ratings
Earnings Call Summary
Earnings Call Sentiment|Positive
The call communicated strong financial and commercial momentum: record profit (~PLN 7 billion), double-digit loan growth in priority segments, sustained commission expansion (~11% YoY), market-share gains (corporate >15%), factoring leadership (+21% YoY) and robust funding (MREL issuances with ~3x oversubscription). These positives are tempered by pressures: an elevated NPL episode (~5%) that previously constrained dividend flexibility, NIM sensitivity amid a ~7% decline in 3-month WIBOR and expected further rate cuts, ongoing technological debt requiring elevated depreciation (+17%) and structural challenges in the mortgage business. On balance the positive operational and capital outcomes outweigh the headwinds, but execution risks on margin retention, digital transformation and select credit concentrations will be key to monitor.Company Guidance
Record Profit and Capital Coverage
Reported result of approximately PLN 7 billion (described as a plus PLN 7 billion), characterized as the highest-to-date profit for Bank Pekao and sufficient to cover the bank's cost of capital; CET ratio at 15% (note: does not include H2 2025 profit).
Strong Loan Growth Across Key Segments
Total loans grew ~8% YoY in 2025 with retail loans +5% and corporate loans +11%; cash loans rose ~13% (with ~90% of cash-loan agreements sold electronically); micro/SME/mid segments delivered double-digit growth and the bank acquired ~1,100 new mid-market clients.
Commission Income Acceleration and Revenue Diversification
Result on commissions recorded consecutive quarters of two-digit growth, ~11% YoY for 2025 overall, with broad-based contributions (loans, cards, brokerage services) and success fees from investment funds supporting fee income stability amid falling rates.
Market Share Gains and Trade/Leasing Leadership
Market share gains in corporate segments (reported to exceed 15% in corporate and near 14% in large corporates); factoring reclaimed #1 position with PLN 100 billion turnover and 21% YoY growth; leasing posted two‑digit volume growth (ranked #5).
Robust Funding and Investor Demand
MREL requirements met with surplus; two MREL issuances in 2025 (including a Tier 2) with almost threefold oversubscription and attractive pricing; over 100 new foreign investors in debt issuances joined the bank's investor base.
Customer Growth and Asset-Gathering
Deposits grew ~4% YoY; assets under management increased ~20% YoY; ~500,000 new accounts opened in 2025 (≈35% of them for customers ≤26 years), indicating healthy customer acquisition and product adoption.
Low Cost of Risk Supporting Profitability
Cost of risk remained low at ~39 basis points for 2025 (well below strategic assumptions of 65–70 bps); retail cost of risk was negative in Q4 and NPLs stabilized or are slightly decreasing, enabling dividend policy at target ranges.
PL:PEO Earnings History
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed
PL:PEO Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
Feb 19, 2026 | zł228.10 | zł232.20 | +1.80% |
Oct 30, 2025 | zł197.25 | zł193.80 | -1.75% |
Aug 07, 2025 | zł212.50 | zł218.10 | +2.64% |
Apr 30, 2025 | zł173.88 | zł170.05 | -2.21% |
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.
FAQ
When does BANK POLSKA KASA OPIEKI SA (PL:PEO) report earnings?
BANK POLSKA KASA OPIEKI SA (PL:PEO) is schdueled to report earning on Apr 30, 2026, TBA (Confirmed).
What is BANK POLSKA KASA OPIEKI SA (PL:PEO) earnings time?
BANK POLSKA KASA OPIEKI SA (PL:PEO) earnings time is at Apr 30, 2026, TBA (Confirmed).
Where can I see when companies are reporting earnings?
You can see which companies are reporting today on our designated earnings calendar.
What companies are reporting earnings today?
You can see a list of the companies which are reporting today on TipRanks earnings calendar.
What is the P/E ratio of BANK POLSKA KASA OPIEKI SA stock?
The P/E ratio of BANK POLSKA KASA OPIEKI SA is N/A.
What is PL:PEO EPS forecast?
Currently, no data Available