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STOCKS

PKO Bank Polski S.A. (PL:PKO)

:PKO

PKO

PKO Bank Polski S.A.

RESEARCH TOOLSreports

PKO Bank Polski S.A. (PKO) Ratios

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PKO Bank Polski S.A. Ratios

PL:PKO's free cash flow for Q4 2025 was zł-0.93. For the 2025 fiscal year, PL:PKO's free cash flow was decreased by zł and operating cash flow was zł1.95. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	1.44	1.60	0.07	0.11	62.92
Quick Ratio	1.44	1.60	0.07	0.11	62.92
Cash Ratio	1.44	1.44	0.06	0.11	60.59
Solvency Ratio	0.02	0.02	0.02	0.02	0.01
Operating Cash Flow Ratio	0.12	0.57	-0.01	0.18	35.66
Short-Term Operating Cash Flow Coverage	0.12	0.57	-0.50	0.00	0.00
Net Current Asset Value	zł -502.66B	zł -500.30B	zł -441.75B	zł -425.00B	zł -362.53B
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.07	0.06	0.05	0.05
Debt-to-Equity Ratio	0.71	0.71	0.58	0.57	0.61
Debt-to-Capital Ratio	0.42	0.42	0.37	0.36	0.38
Long-Term Debt-to-Capital Ratio	0.30	0.30	0.37	0.00	0.00
Financial Leverage Ratio	9.96	9.96	10.03	11.09	12.15
Debt Service Coverage Ratio	0.46	0.46	0.50	0.53	0.55
Interest Coverage Ratio	1.53	1.53	1.27	0.66	0.57
Debt to Market Cap	0.38	0.38	0.56	0.00	0.00
Interest Debt Per Share	40.47	40.47	32.12	31.11	23.85
Net Debt to EBITDA	1.37	1.37	0.20	-0.53	-1.66
Profitability Margins
Gross Profit Margin	68.65%	68.65%	74.30%	65.24%	67.48%
EBIT Margin	43.06%	43.06%	32.76%	23.07%	18.61%
EBITDA Margin	44.78%	44.78%	36.70%	26.76%	23.56%
Operating Profit Margin	43.45%	43.45%	32.76%	23.07%	18.61%
Pretax Profit Margin	43.40%	43.06%	32.76%	23.07%	18.61%
Net Profit Margin	33.52%	33.52%	23.95%	14.82%	12.93%
Continuous Operations Profit Margin	33.13%	33.13%	23.95%	14.83%	12.93%
Net Income Per EBT	77.22%	77.84%	73.10%	64.26%	69.48%
EBT Per EBIT	99.88%	99.10%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.83%	1.83%	1.77%	1.10%	0.77%
Return on Equity (ROE)	19.32%	18.26%	17.76%	12.16%	9.34%
Return on Capital Employed (ROCE)	2.44%	2.44%	12.48%	4.00%	1.11%
Return on Invested Capital (ROIC)	1.83%	1.83%	8.18%	2.61%	1.73%
Return on Tangible Assets	1.85%	1.85%	1.79%	1.11%	0.78%
Earnings Yield	9.86%	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	4.88	4.88	6.51	6.98	5.47
Asset Turnover	0.05	0.05	0.07	0.07	0.06
Working Capital Turnover Ratio	-0.16	-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	1.42	6.92	-4.72	40.96	14.83
Free Cash Flow Per Share	0.33	5.83	-5.72	39.54	14.00
CapEx Per Share	1.08	1.08	1.00	1.41	0.83
Free Cash Flow to Operating Cash Flow	0.24	0.84	1.21	0.97	0.94
Dividend Paid and CapEx Coverage Ratio	0.22	1.05	-0.97	28.96	5.58
Capital Expenditure Coverage Ratio	1.31	6.39	-4.71	28.96	17.86
Operating Cash Flow Coverage Ratio	0.04	0.21	-0.20	1.97	0.86
Operating Cash Flow to Sales Ratio	0.06	0.27	-0.15	1.38	0.72
Free Cash Flow Yield	0.38%	6.85%	-9.57%	78.58%	46.23%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	10.14	9.97	8.03	11.43	11.43
Price-to-Sales (P/S) Ratio	3.40	3.34	1.92	1.69	1.48
Price-to-Book (P/B) Ratio	1.85	1.82	1.43	1.39	1.07
Price-to-Free Cash Flow (P/FCF) Ratio	259.83	14.60	-10.45	1.27	2.16
Price-to-Operating Cash Flow Ratio	61.18	12.31	-12.67	1.23	2.04
Price-to-Earnings Growth (PEG) Ratio	4.02	0.67	0.12	0.17	-0.36
Price-to-Fair Value	1.85	1.82	1.43	1.39	1.07
Enterprise Value Multiple	8.97	8.83	5.43	5.80	4.61
Enterprise Value	127.97B	126.06B	77.48B	57.59B	27.84B
EV to EBITDA	8.97	8.83	5.43	5.80	4.61
EV to Sales	4.02	3.96	1.99	1.55	1.09
EV to Free Cash Flow	306.87	17.29	-10.84	1.17	1.59
EV to Operating Cash Flow	72.26	14.58	-13.14	1.12	1.50
Tangible Book Value Per Share	43.46	43.46	38.57	33.05	25.53
Shareholders’ Equity Per Share	46.81	46.81	41.90	36.19	28.36
Tax and Other Ratios
Effective Tax Rate	0.23	0.23	0.27	0.36	0.31
Revenue Per Share	25.49	25.49	31.08	29.69	20.49
Net Income Per Share	8.54	8.55	7.44	4.40	2.65
Tax Burden	0.77	0.78	0.73	0.64	0.69
Interest Burden	1.01	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	0.09	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	0.13	0.81	-0.46	5.98	3.89

Currency in PLN