PKO Bank Polski S.A. (PL:PKO)
:PKO
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PKO Bank Polski S.A.
(PKO)
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Rating:60Neutral
Price Target:
zł75.00
▼(-26.47% Downside)
Action:N/A
Date:09/14/25
PKO Bank Polski S.A. earns a score of 60, driven primarily by mixed financial performance with strong profitability offset by revenue decline and liquidity concerns. Attractive valuation metrics, including a low P/E ratio and high dividend yield, provide a positive boost, while the lack of technical data limits further upside.
Positive Factors
Profitability
A high net profit margin of 34% indicates strong profitability, suggesting that the company efficiently manages its costs relative to its revenue, which is a positive indicator for long-term financial health.
Negative Factors
Revenue Growth Decline
A declining revenue growth rate of 18.48% poses a risk to future revenue streams, indicating potential challenges in maintaining market share or expanding into new markets, which could impact long-term growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Profitability
A high net profit margin of 34% indicates strong profitability, suggesting that the company efficiently manages its costs relative to its revenue, which is a positive indicator for long-term financial health.
Read all positive factors
PKO Bank Polski S.A. (PKO) vs. SPDR S&P 500 ETF (SPY)
Market Cap
zł128.75B
Dividend Yield6.49%
Average Volume (3M)2.82M
Price to Earnings (P/E)12.0
Beta (1Y)1.51
Revenue Growth1.08%
EPS Growth10.33%
CountryPL
Employees24,820
SectorGeneral
Sector StrengthN/A
IndustryBanks - Regional
Share Statistics
EPS (TTM)8.59
Shares Outstanding1,250,000,000
10 Day Avg. Volume2,382,023
30 Day Avg. Volume2,819,756
Financial Highlights & Ratios
PEG Ratio0.67
Price to Book (P/B)1.82
Price to Sales (P/S)3.34
P/FCF Ratio14.60
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
zł99.75Price Target Upside-2.21% Downside
Rating ConsensusModerate Buy
Number of Analyst Covering4
EPS Forecast (FY)8.63
Revenue Forecast (FY)zł31.01B
PKO Bank Polski S.A. Business Overview & Revenue Model
Company Description
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides banking services in Poland, Ukraine, Sweden, the Czech Republic, Ireland, and Germany. Its Retail segment offers current and savings accounts, term deposits, private and electronic b...
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, c...
PKO Bank Polski S.A. Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
70
Positive
Cash Flow
40
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 37.64B | 31.87B | 38.85B | 37.11B | 25.61B | 15.78B |
| Gross Profit | 28.62B | 21.88B | 28.87B | 24.21B | 17.28B | 15.09B |
| EBITDA | 14.66B | 14.27B | 14.26B | 9.93B | 6.03B | 7.72B |
| Net Income | 10.73B | 10.68B | 9.30B | 5.50B | 3.31B | 4.87B |
Balance Sheet | ||||||
| Total Assets | 593.84B | 583.08B | 525.23B | 501.52B | 430.68B | 418.09B |
| Cash, Cash Equivalents and Short-Term Investments | 16.91B | 24.28B | 28.64B | 31.29B | 31.50B | 20.05B |
| Total Debt | 39.09B | 41.53B | 30.16B | 25.98B | 21.48B | 30.01B |
| Total Liabilities | 533.98B | 524.58B | 472.86B | 456.29B | 395.25B | 380.39B |
| Stockholders Equity | 59.88B | 58.51B | 52.38B | 45.24B | 35.45B | 37.71B |
Cash Flow | ||||||
| Free Cash Flow | 7.02B | 7.29B | -7.15B | 49.43B | 17.50B | 31.77B |
| Operating Cash Flow | 8.41B | 8.65B | -5.90B | 51.20B | 18.54B | 32.80B |
| Investing Cash Flow | -30.43B | -54.95B | 1.84B | -47.58B | 5.04B | -13.30B |
| Financing Cash Flow | 25.50B | 42.98B | 1.14B | 34.00M | -12.36B | -8.42B |
PKO Bank Polski S.A. Technical Analysis
Positive
102.00
Price Trends
96.02
Positive
92.87
Positive
84.76
Positive
Market Momentum
2.21
Negative
61.36
Neutral
75.76
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 102 is above the 20-day moving average (MA) of 99.03, above the 50-day MA of 96.02, and above the 200-day MA of 84.76, indicating a bullish trend. The MACD of 2.21 indicates Negative momentum. The RSI at 61.36 is Neutral, neither overbought nor oversold. The STOCH value of 75.76 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
UnderperformOutperform
Sector (55)
PL:PKO
PKO Bank Polski S.A.
103.00
34.99
51.44%
PL:PEO
BANK POLSKA KASA OPIEKI SA
241.90
58.50
31.90%
PL:BNP
BNP Paribas Bank Polska Spolka Akcyjna
144.40
50.32
53.48%
PL:ING
ING Bank Slaski S.A.
439.00
164.80
60.10%
PL:MIL
Bank Millennium SA
19.86
5.95
42.74%
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.