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STOCKS

BANK POLSKA KASA OPIEKI SA (PL:PEO)

:PEO

PEO

BANK POLSKA KASA OPIEKI SA

RESEARCH TOOLSreports

BANK POLSKA KASA OPIEKI SA (PEO) Ratios

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BANK POLSKA KASA OPIEKI SA Ratios

PL:PEO's free cash flow for Q4 2025 was zł0.75. For the 2025 fiscal year, PL:PEO's free cash flow was decreased by zł and operating cash flow was zł0.42. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	0.93	2.05	0.07	0.08	0.10
Quick Ratio	0.93	2.05	0.07	0.08	0.10
Cash Ratio	0.93	0.93	0.05	0.08	0.08
Solvency Ratio	0.02	0.02	0.02	0.03	<0.01
Operating Cash Flow Ratio	0.80	0.61	0.09	0.16	0.09
Short-Term Operating Cash Flow Coverage	0.80	0.61	0.00	0.00	0.00
Net Current Asset Value	zł -305.89B	zł -292.64B	zł -284.31B	zł -260.65B	zł -237.63B
Leverage Ratios
Debt-to-Assets Ratio	0.10	0.10	0.07	0.06	0.07
Debt-to-Equity Ratio	0.95	0.95	0.78	0.61	0.82
Debt-to-Capital Ratio	0.49	0.49	0.44	0.38	0.45
Long-Term Debt-to-Capital Ratio	0.37	0.37	0.44	0.37	0.45
Financial Leverage Ratio	9.96	9.96	10.48	10.08	12.35
Debt Service Coverage Ratio	0.42	0.43	1.16	1.18	0.81
Interest Coverage Ratio	1.62	1.62	1.34	1.39	1.00
Debt to Market Cap	0.58	0.61	0.69	0.45	0.82
Interest Debt Per Share	148.77	148.77	118.56	94.28	81.62
Net Debt to EBITDA	2.42	2.42	1.22	0.42	0.24
Profitability Margins
Gross Profit Margin	73.91%	71.75%	72.66%	71.31%	79.69%
EBIT Margin	39.01%	39.59%	36.52%	39.87%	20.41%
EBITDA Margin	40.50%	41.09%	39.67%	42.83%	24.77%
Operating Profit Margin	39.01%	39.57%	36.52%	39.87%	20.41%
Pretax Profit Margin	39.01%	39.59%	36.52%	39.87%	20.41%
Net Profit Margin	30.54%	30.98%	28.66%	31.00%	12.16%
Continuous Operations Profit Margin	30.55%	31.02%	28.68%	31.01%	12.17%
Net Income Per EBT	78.28%	78.24%	78.49%	77.75%	59.58%
EBT Per EBIT	100.00%	100.06%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.99%	1.99%	1.91%	2.18%	0.61%
Return on Equity (ROE)	20.99%	19.85%	19.99%	21.96%	7.54%
Return on Capital Employed (ROCE)	2.63%	2.63%	11.43%	7.17%	4.34%
Return on Invested Capital (ROIC)	1.99%	1.99%	8.98%	6.29%	2.59%
Return on Tangible Assets	2.01%	2.01%	1.92%	2.20%	0.62%
Earnings Yield	12.66%	13.03%	17.62%	16.69%	7.56%
Efficiency Ratios
Receivables Turnover	0.00	0.00	6.29	0.00	4.84
Payables Turnover	0.00	0.00	5.31	5.42	3.13
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	10.33	10.18	10.99	11.04	8.98
Asset Turnover	0.07	0.06	0.07	0.07	0.05
Working Capital Turnover Ratio	-56.03	-0.19	-0.11	-0.12	-0.07
Cash Conversion Cycle	0.00	0.00	-10.75	-67.35	-41.14
Days of Sales Outstanding	0.00	0.00	58.04	0.00	75.44
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	68.79	67.35	116.58
Operating Cycle	0.00	0.00	58.04	0.00	75.44
Cash Flow Ratios
Operating Cash Flow Per Share	35.82	27.32	93.95	111.22	70.40
Free Cash Flow Per Share	33.20	25.13	90.70	107.22	68.44
CapEx Per Share	2.63	2.19	3.26	4.00	1.96
Free Cash Flow to Operating Cash Flow	0.93	0.92	0.97	0.96	0.97
Dividend Paid and CapEx Coverage Ratio	1.71	1.33	4.18	11.81	11.24
Capital Expenditure Coverage Ratio	13.65	12.45	28.84	27.80	35.85
Operating Cash Flow Coverage Ratio	0.28	0.21	0.98	1.57	1.00
Operating Cash Flow to Sales Ratio	0.41	0.32	1.11	1.36	1.31
Free Cash Flow Yield	15.73%	12.25%	65.77%	70.51%	79.12%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.06	7.67	5.68	5.99	13.22
Price-to-Sales (P/S) Ratio	2.46	2.38	1.63	1.86	1.61
Price-to-Book (P/B) Ratio	1.60	1.52	1.13	1.32	1.00
Price-to-Free Cash Flow (P/FCF) Ratio	6.49	8.16	1.52	1.42	1.26
Price-to-Operating Cash Flow Ratio	6.02	7.51	1.47	1.37	1.23
Price-to-Earnings Growth (PEG) Ratio	2.58	0.76	-1.82	0.02	-0.63
Price-to-Fair Value	1.60	1.52	1.13	1.32	1.00
Enterprise Value Multiple	8.50	8.21	5.32	4.76	6.73
Enterprise Value	77.95B	76.38B	46.96B	43.76B	23.55B
EV to EBITDA	8.38	8.21	5.32	4.76	6.73
EV to Sales	3.39	3.37	2.11	2.04	1.67
EV to Free Cash Flow	8.95	11.58	1.97	1.55	1.31
EV to Operating Cash Flow	8.29	10.65	1.90	1.50	1.27
Tangible Book Value Per Share	124.97	124.97	111.88	106.47	78.19
Shareholders’ Equity Per Share	134.67	134.67	121.54	115.55	86.73
Tax and Other Ratios
Effective Tax Rate	0.22	0.22	0.21	0.22	0.40
Revenue Per Share	87.53	86.28	84.75	81.84	53.81
Net Income Per Share	26.73	26.73	24.29	25.37	6.54
Tax Burden	0.78	0.78	0.78	0.78	0.60
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.11	0.15	0.05	0.04	0.13
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	<0.01
Income Quality	1.17	1.02	3.04	3.41	6.41

Currency in PLN