Full history for every metric is available with a Kvantra account
Key financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PLN bn | 7.9 | 8.6 | 11.3 | 15.3 | 16.2 | 17.1 | 17.8 | - |
| Operating profit | PLN bn | 8.96 | 8.93 | ||||||
| Net profit | PLN bn | 1.10 | 2.17 | 1.72 | 6.66 | 6.38 | 7.02 | 6.48 | 6.05 |
| EPS reported | PLN | 26.73 | 24.68 | ||||||
| Operating cashflow per share | PLN | 27.32 | 20.04 | ||||||
| Capex per share | PLN | 2.19 | 2.30 | ||||||
| FCF per share | PLN | 25.13 | 17.74 | ||||||
| Free cash flow | PLN bn | 6.60 | 4.66 | ||||||
| Net debt | PLN bn | 8.7 | 19.3 | ||||||
| Book value equity | PLN bn | 35.3 | 32.9 | ||||||
| Book value per share | PLN | 134.7 | 125.3 | ||||||
| Number of shares | m | 262.47 | 262.47 | ||||||
| DPS (TTM paid) | PLN | 19.77 | 19.77 |
Financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 7.67 | 10.58 | ||||||
| P/B LTM | x | 1.52 | 2.14 | ||||||
| P/S LTM | x | 3.14 | 3.97 | ||||||
| P/FCF LTM | x | 8.16 | 15.14 | ||||||
| EV/EBITDA LTM | x | 8.21 | 9.65 | ||||||
| EV/Sales LTM | x | 3.37 | 5.05 | ||||||
| Earnings Yield LTM | % | 13.04% | 9.45% | ||||||
| FCF Yield | % | 12.25% | 6.60% | ||||||
| Quality | |||||||||
| ROE | % | 19.85% | 18.85% | ||||||
| ROIC | % | 1.99% | 1.76% | ||||||
| Operating margin | % | 39.57% | 39.59% | ||||||
| Gross margin | % | 71.75% | 74.67% | ||||||
| FCF/Sales | % | 29.12% | 20.64% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +10.09% | -3.67% | ||||||
| Sales Growth YoY | % | +5.93% | +3.56% | ||||||
| Net Income Growth YoY | % | +10.02% | -3.70% | ||||||
| FCF Growth | % | -72.30% | -75.96% | ||||||
| Operating Profit Growth | % | +10.32% | +3.30% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 8.96% | 7.57% | ||||||
| Dividend Growth | % | +7.68% | +7.68% | ||||||
| Payout Ratio | % | 68.73% | 80.10% | ||||||
| FCF/Debt | x | 0.20 | 0.12 | ||||||
| Net Debt/EBITDA | x | 2.42 | 2.07 | ||||||
| EBIT/Net interest | x | 1.62 | 1.86 | ||||||
| Net debt/market cap | % | 16.13% | 27.30% | ||||||
| Net debt/Equity | x | 0.25 | 0.59 | ||||||
| Gross debt/equity | x | 0.95 | 1.16 | ||||||
ETFs that hold Bank Polska Kasa Opieki
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| Freedom 100 Emerging Markets ETF | FRDM | 5 | 3.31% |
| L&G Europe ex-UK Quality Dividends Equal Weight UCITS ETF | LDEU.L | 4 | 0.89% |
| Beta ETF WIG20TR | ETFBW20TR.WA | 4 | 8.50% |
Funds with Bank Polska Kasa Opieki among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Bank Polska Kasa Opieki S.A., a prominent commercial bank, offers a comprehensive suite of banking products and financial services to both individual retail customers and corporate entities, operating within Poland and internationally. The bank's operations are structured across several key segments: Retail Banking, Private Banking, Corporate and Investment Banking, Enterprise Banking, and Assets and Liabilities Management. Customers can utilize various deposit options, including current accounts, saving accounts, and term deposits. Its extensive lending portfolio features mortgage, operating, investment, cash, and consumer loans, alongside specialized financing for corporations, small and medium enterprises (SMEs), and commercial real estate. Beyond traditional banking, the company also provides a wide range of additional services such as insurance, asset management, pension funds, brokerage, transactional advisory, leasing, factoring, business consulting, and online banking capabilities. Established in 1929 and headquartered in Warsaw, Poland, Bank Polska Kasa Opieki S.A. maintained a significant physical presence as of December 31, 2021, with 650 branches and 1,475 ATMs.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Bank Polska Kasa Opieki S.A. (PEO.WA)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| Freedom 100 Emerging Markets ETF | FRDM | 5 | 3.31% |
| L&G Europe ex-UK Quality Dividends Equal Weight UCITS ETF | LDEU.L | 4 | 0.89% |
| Beta ETF WIG20TR | ETFBW20TR.WA | 4 | 8.50% |
Funds with Bank Polska Kasa Opieki among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
Bank Polska Kasa Opieki S.A., a prominent commercial bank, offers a comprehensive suite of banking products and financial services to both individual retail customers and corporate entities, operating within Poland and internationally. The bank's operations are structured across several key segments: Retail Banking, Private Banking, Corporate and Investment Banking, Enterprise Banking, and Assets and Liabilities Management. Customers can utilize various deposit options, including current accounts, saving accounts, and term deposits. Its extensive lending portfolio features mortgage, operating, investment, cash, and consumer loans, alongside specialized financing for corporations, small and medium enterprises (SMEs), and commercial real estate. Beyond traditional banking, the company also provides a wide range of additional services such as insurance, asset management, pension funds, brokerage, transactional advisory, leasing, factoring, business consulting, and online banking capabilities. Established in 1929 and headquartered in Warsaw, Poland, Bank Polska Kasa Opieki S.A. maintained a significant physical presence as of December 31, 2021, with 650 branches and 1,475 ATMs.
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