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PKO Bank Polski S.A. (PL:PKO)
:PKO
Poland Market
PKO
PKO Bank Polski S.A.
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PKO Bank Polski S.A. (PKO) Ratios

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PKO Bank Polski S.A. Ratios

PL:PKO's free cash flow for Q1 2026 was zł0.77. For the 2026 fiscal year, PL:PKO'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 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 6.23 1.60 0.07 0.11 62.92
Quick Ratio
 6.23 1.60 0.07 0.11 62.92
Cash Ratio
 6.23 1.44 0.06 0.11 60.59
Solvency Ratio
 0.02 0.02 0.02 0.02 0.01
Operating Cash Flow Ratio
 3.10 0.57 -0.01 0.18 35.66
Short-Term Operating Cash Flow Coverage
 3.10 0.57 -0.50 0.00 0.00
Net Current Asset Value
zł -517.06Bzł -500.30Bzł -441.75Bzł -425.00Bzł -362.53B
Leverage Ratios
Debt-to-Assets Ratio
 0.07 0.07 0.06 0.05 0.05
Debt-to-Equity Ratio
 0.65 0.71 0.58 0.57 0.61
Debt-to-Capital Ratio
 0.39 0.42 0.37 0.36 0.38
Long-Term Debt-to-Capital Ratio
 0.38 0.30 0.37 0.00 0.00
Financial Leverage Ratio
 9.92 9.96 10.03 11.09 12.15
Debt Service Coverage Ratio
 0.97 0.46 0.50 0.53 0.55
Interest Coverage Ratio
 1.68 1.52 1.27 0.66 0.57
Debt to Market Cap
 0.32 0.38 0.56 0.00 0.00
Interest Debt Per Share
 38.10 40.47 32.12 31.11 23.85
Net Debt to EBITDA
 1.51 1.37 0.20 -0.53 -1.66
Profitability Margins
Gross Profit Margin
76.03%68.65%74.30%65.24%67.48%
EBIT Margin
38.18%43.06%32.76%23.07%18.61%
EBITDA Margin
38.95%44.78%36.70%26.76%23.56%
Operating Profit Margin
38.18%43.06%32.76%23.07%18.61%
Pretax Profit Margin
38.18%43.06%32.76%23.07%18.61%
Net Profit Margin
28.52%33.52%23.95%14.82%12.93%
Continuous Operations Profit Margin
28.37%33.13%23.95%14.83%12.93%
Net Income Per EBT
74.69%77.84%73.10%64.26%69.48%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.81%1.83%1.77%1.10%0.77%
Return on Equity (ROE)
19.03%18.26%17.76%12.16%9.34%
Return on Capital Employed (ROCE)
2.43%2.42%12.48%4.00%1.11%
Return on Invested Capital (ROIC)
1.80%1.81%8.18%2.61%1.73%
Return on Tangible Assets
1.82%1.85%1.79%1.11%0.78%
Earnings Yield
8.34%10.03%12.46%8.75%8.75%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 16.86 0.00 0.00
Payables Turnover
 0.00 0.00 9.88 9.41 12.77
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 5.70 4.88 6.51 6.98 5.47
Asset Turnover
 0.06 0.05 0.07 0.07 0.06
Working Capital Turnover Ratio
 3.59 -0.17 -0.12 -0.33 0.96
Cash Conversion Cycle
 0.00 0.00 -15.31 -38.79 -28.58
Days of Sales Outstanding
 0.00 0.00 21.64 0.00 0.00
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 36.95 38.79 28.58
Operating Cycle
 0.00 0.00 21.64 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
 6.73 6.92 -4.72 40.96 14.83
Free Cash Flow Per Share
 5.61 5.83 -5.72 39.54 14.00
CapEx Per Share
 1.12 1.08 1.00 1.41 0.83
Free Cash Flow to Operating Cash Flow
 0.83 0.84 1.21 0.97 0.94
Dividend Paid and CapEx Coverage Ratio
 1.02 1.05 -0.97 28.96 5.58
Capital Expenditure Coverage Ratio
 6.03 6.39 -4.71 28.96 17.86
Operating Cash Flow Coverage Ratio
 0.22 0.21 -0.20 1.97 0.86
Operating Cash Flow to Sales Ratio
 0.22 0.27 -0.15 1.38 0.72
Free Cash Flow Yield
5.45%6.85%-9.57%78.58%46.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.45 9.97 8.03 11.43 11.43
Price-to-Sales (P/S) Ratio
 3.26 3.34 1.92 1.69 1.48
Price-to-Book (P/B) Ratio
 2.05 1.82 1.43 1.39 1.07
Price-to-Free Cash Flow (P/FCF) Ratio
 17.51 14.60 -10.45 1.27 2.16
Price-to-Operating Cash Flow Ratio
 14.61 12.31 -12.67 1.23 2.04
Price-to-Earnings Growth (PEG) Ratio
 1.10 0.67 0.12 0.17 -0.36
Price-to-Fair Value
 2.05 1.82 1.43 1.39 1.07
Enterprise Value Multiple
 9.89 8.83 5.43 5.80 4.61
Enterprise Value
 150.92B 126.06B 77.48B 57.59B 27.84B
EV to EBITDA
 10.30 8.83 5.43 5.80 4.61
EV to Sales
 4.01 3.96 1.99 1.55 1.09
EV to Free Cash Flow
 21.51 17.29 -10.84 1.17 1.59
EV to Operating Cash Flow
 17.95 14.58 -13.14 1.12 1.50
Tangible Book Value Per Share
 44.58 43.46 38.57 33.05 25.53
Shareholders’ Equity Per Share
 47.90 46.81 41.90 36.19 28.36
Tax and Other Ratios
Effective Tax Rate
 0.26 0.23 0.27 0.36 0.31
Revenue Per Share
 30.11 25.49 31.08 29.69 20.49
Net Income Per Share
 8.59 8.55 7.44 4.40 2.65
Tax Burden
 0.75 0.78 0.73 0.64 0.69
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
 0.10 0.17 0.05 0.05 0.13
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.67 0.81 -0.46 5.98 3.89
Currency in PLN