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

• Market Cap: zł87.73B
• Dividend Yield: 7.81%
• Average Volume (3M): 3.47M
• Price to Earnings (P/E): 8.7
• Beta (1Y): 1.43
• Revenue Growth: 6.34%
• EPS Growth: 27.79%
• Country: PL
• Employees: 24,820
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Regional
• EPS (TTM): N/A
• Shares Outstanding: 1,250,000,000
• 10 Day Avg. Volume: 3,359,416
• 30 Day Avg. Volume: 3,467,391
• 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: zł78.33
• Price Target Upside: 11.61% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 63 Neutral
• Price Target: zł75.00 ▲(6.87% Upside)

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

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 banking services, investment and insurance products, credit and debit cards, and consumer and mortgage loans, as well as corporate loans to firms and enterprises, developers, cooperatives, and property managers. The company's Corporate and Investment segment provides current accounts, term deposits, currency products and derivatives, leasing and factoring, and safekeeping of securities services. This segment is also involved in financing large investment projects; the issuance of non-treasury securities; and provision of investing and brokerage services, interbank transactions, derivatives and debt securities transactions, as well as in real estate development and management activities. The company also offers investment and pension fund management; transfer agent; life, other personal, and property insurance; financial; leasing and lending; and IT specialist outsourcing and business support services, as well as fleet management and debt collection services. Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna was founded in 1919 and is based in Warsaw, Poland.

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: Neutral
• Last Price: 70.18
• 50DMA: Negative
• 100DMA: Negative
• 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 Neutral. The current price of 70.18 is below the 20-day moving average (MA) of 70.89, below the 50-day MA of 75.18, and above the 200-day MA of 68.48, indicating a neutral trend. The MACD of -1.51 indicates Negative momentum. The RSI at 43.31 is Neutral, neither overbought nor oversold. The STOCH value of 47.23 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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	75 Outperform	zł39.88B	8.75	25.89%	8.22%	7.35%	3.83%
PKO	63 Neutral	zł87.73B	8.74	―	7.81%	6.34%	27.79%
MIL	63 Neutral	zł17.94B	20.55	9.25%	―	9.01%	51.90%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%