PKO Bank Polski S.A. (PKO) AI Stock Analysis

• Market Cap: zł94.62B
• Dividend Yield: 7.24%
• Average Volume (3M): 2.82M
• Price to Earnings (P/E): 9.4
• Beta (1Y): 1.47
• Revenue Growth: 6.34%
• EPS Growth: 27.79%
• Country: PL
• Employees: 24,820
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): 2.68
• Shares Outstanding: 1,250,000,000
• 10 Day Avg. Volume: 2,382,023
• 30 Day Avg. Volume: 2,819,756
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: zł83.67
• Price Target Upside: 10.53% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 63 Neutral
• Price Target: zł75.00 ▼(-0.92% Downside)

PKO Bank Polski S.A. has a solid financial performance with strong profitability and a stable balance sheet, but faces challenges in revenue growth and cash flow management. The technical analysis indicates bearish momentum, while the valuation is attractive with a low P/E ratio and high dividend yield. The overall score reflects these mixed factors, with financial performance and valuation being the most significant contributors.

PKO Bank Polski S.A. Business Overview & Revenue Model

Company Description

PKO Bank Polski S.A. (PKO) is the largest bank in Poland, offering a wide range of financial services to individual clients, businesses, and institutions. The bank operates in various sectors, including retail banking, corporate banking, investment banking, and asset management. Its core products and services include personal and business accounts, loans, mortgages, credit cards, investment products, and insurance solutions. PKO is known for its extensive branch network and digital banking capabilities, serving millions of customers across the country.

How the Company Makes Money

PKO Bank Polski generates revenue primarily through interest income from loans and advances, which constitutes a significant portion of its earnings. The bank offers various loan products, including consumer loans, mortgages, and business loans, charging interest on these products. Additionally, PKO earns money from fees and commissions related to account maintenance, transaction services, and financial advisory services. Investment banking activities, such as underwriting and capital markets services, also contribute to its revenue. The bank has established partnerships with various financial institutions and technology firms to enhance its service offerings, particularly in digital banking, which has become a crucial revenue stream as more customers engage with online and mobile banking solutions. Furthermore, PKO invests in securities and manages assets, generating income through investment returns and management fees.

PKO Bank Polski S.A. Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown
Income Statement
Total Revenue
Gross Profit
EBITDA
Net Income
Balance Sheet
Total Assets
Cash, Cash Equivalents and Short-Term Investments
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Stockholders Equity
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PKO Bank Polski S.A. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 75.70
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For PL:PKO, the sentiment is Positive. The current price of 75.7 is above the 20-day moving average (MA) of 75.47, above the 50-day MA of 73.06, and above the 200-day MA of 70.66, indicating a bullish trend. The MACD of 1.14 indicates Negative momentum. The RSI at 52.75 is Neutral, neither overbought nor oversold. The STOCH value of 51.01 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for PL:PKO.

PKO Bank Polski S.A. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ING	―	zł41.05B	8.99	25.90%	7.94%	7.35%	3.83%
Sector *	―	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
PKO	―	zł94.62B	9.43	―	7.24%	6.34%	27.79%
MIL	―	zł18.73B	18.22	12.54%	―	9.01%	51.90%