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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 Q3 2025 was zł―. For the 2025 fiscal year, PL:PEO's free cash flow was decreased by zł and operating cash flow was zł―. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.07	0.10	0.08	34.72	47.72
Quick Ratio	0.07	0.10	0.08	69.08	85.08
Cash Ratio	0.07	0.05	0.08	31.54	42.44
Solvency Ratio	0.02	0.02	0.03	<0.01	0.01
Operating Cash Flow Ratio	0.08	0.09	0.16	20.18	2.16
Short-Term Operating Cash Flow Coverage	8.67	2.21	0.00	0.00	0.00
Net Current Asset Value	zł -289.24B	zł -277.21B	zł -260.65B	zł -226.57B	zł -207.94B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.06	0.07	0.05
Debt-to-Equity Ratio	0.81	0.78	0.61	0.82	0.55
Debt-to-Capital Ratio	0.45	0.44	0.38	0.45	0.35
Long-Term Debt-to-Capital Ratio	0.45	0.44	0.37	0.32	0.00
Financial Leverage Ratio	10.90	10.48	10.08	12.35	10.51
Debt Service Coverage Ratio	0.04	-0.10	-0.31	0.81	13.47
Interest Coverage Ratio	1.58	1.59	1.62	2.00	14.31
Debt to Market Cap	0.52	1.00	0.45	0.48	0.00
Interest Debt Per Share	119.58	118.56	94.28	81.64	50.53
Net Debt to EBITDA	3.24	0.00	0.00	-2.95	-1.00
Profitability Margins
Gross Profit Margin	92.13%	100.00%	103.67%	100.00%	100.00%
EBIT Margin	8.27%	-4.34%	-4.28%	25.36%	34.86%
EBITDA Margin	12.23%	0.00%	0.00%	30.79%	42.39%
Operating Profit Margin	51.39%	59.95%	67.44%	50.71%	34.86%
Pretax Profit Margin	46.43%	50.25%	57.28%	25.41%	34.88%
Net Profit Margin	36.10%	39.45%	44.43%	15.14%	25.27%
Continuous Operations Profit Margin	36.12%	39.46%	44.44%	15.15%	25.27%
Net Income Per EBT	77.77%	78.49%	77.57%	59.57%	72.46%
EBT Per EBIT	90.34%	83.83%	84.94%	50.11%	100.06%
Return on Assets (ROA)	1.98%	1.91%	2.15%	0.61%	0.87%
Return on Equity (ROE)	21.07%	19.99%	21.69%	7.54%	9.12%
Return on Capital Employed (ROCE)	13.38%	13.64%	8.36%	2.05%	1.20%
Return on Invested Capital (ROIC)	10.08%	9.25%	7.31%	2.63%	2.22%
Return on Tangible Assets	2.00%	1.92%	2.17%	0.62%	0.88%
Earnings Yield	12.60%	17.62%	16.48%	7.56%	6.79%
Efficiency Ratios
Receivables Turnover	14.26	4.57	0.00	3.89	4.15
Payables Turnover	0.00	5.31	-0.48	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	9.07	7.98	7.61	7.22	4.70
Asset Turnover	0.05	0.05	0.05	0.04	0.03
Working Capital Turnover Ratio	-0.08	-0.08	-0.21	0.46	0.51
Cash Conversion Cycle	25.59	11.08	764.28	93.92	87.97
Days of Sales Outstanding	25.59	79.87	0.00	93.92	87.97
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	68.79	-764.28	0.00	0.00
Operating Cycle	25.59	79.87	0.00	93.92	87.97
Cash Flow Ratios
Operating Cash Flow Per Share	76.81	93.95	111.22	70.40	3.24
Free Cash Flow Per Share	73.81	27.51	102.75	68.44	0.40
CapEx Per Share	3.01	1.73	4.00	1.96	2.84
Free Cash Flow to Operating Cash Flow	0.96	0.29	0.92	0.97	0.12
Dividend Paid and CapEx Coverage Ratio	3.59	4.49	11.81	11.24	0.54
Capital Expenditure Coverage Ratio	25.55	54.32	27.80	35.85	1.14
Operating Cash Flow Coverage Ratio	0.80	0.98	1.57	1.00	0.07
Operating Cash Flow to Sales Ratio	1.08	1.53	1.97	1.63	0.10
Free Cash Flow Yield	36.29%	19.95%	67.58%	79.12%	0.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.94	5.68	6.07	13.22	14.72
Price-to-Sales (P/S) Ratio	2.87	2.24	2.70	2.00	3.72
Price-to-Book (P/B) Ratio	1.71	1.13	1.32	1.00	1.34
Price-to-Free Cash Flow (P/FCF) Ratio	2.76	5.01	1.48	1.26	303.73
Price-to-Operating Cash Flow Ratio	2.65	1.47	1.37	1.23	37.65
Price-to-Earnings Growth (PEG) Ratio	2.87	-1.82	0.02	-0.63	0.15
Price-to-Fair Value	1.71	1.13	1.32	1.00	1.34
Enterprise Value Multiple	26.68	0.00	0.00	3.55	7.78
Enterprise Value	60.77B	46.96B	43.76B	12.38B	28.39B
EV to EBITDA	26.68	0.00	0.00	3.55	7.78
EV to Sales	3.26	2.91	2.96	1.09	3.30
EV to Free Cash Flow	3.14	6.50	1.62	0.69	269.27
EV to Operating Cash Flow	3.01	1.90	1.50	0.67	33.38
Tangible Book Value Per Share	109.20	111.88	106.47	78.19	82.15
Shareholders’ Equity Per Share	118.67	121.54	115.55	86.73	90.87
Tax and Other Ratios
Effective Tax Rate	0.22	0.21	0.22	0.40	0.27
Revenue Per Share	70.98	61.58	56.41	43.22	32.79
Net Income Per Share	25.63	24.29	25.06	6.54	8.29
Tax Burden	0.78	0.78	0.78	0.60	0.72
Interest Burden	5.62	-11.57	-13.38	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.05	0.08	0.32	0.18	0.10
Stock-Based Compensation to Revenue	0.00	0.00	<0.01	<0.01	<0.01
Income Quality	2.33	3.04	3.41	6.41	0.28

Currency in PLN