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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA)
Key financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total net revenue | PLN bn | 14.6 | 15.1 | 17.3 | 24.2 | 28.9 | 22.8 | 28.6 | - |
| Operating profit | PLN bn | 13.7 | 15.2 | ||||||
| Net profit | PLN bn | -2.6 | 4.9 | 3.3 | 5.5 | 9.3 | 10.7 | 10.8 | 10.9 |
| EPS reported | PLN | 8.55 | 8.67 | ||||||
| Operating cashflow per share | PLN | 6.92 | 5.83 | ||||||
| Capex per share | PLN | 1.08 | 1.21 | ||||||
| FCF per share | PLN | 5.83 | 4.62 | ||||||
| Free cash flow | PLN bn | 7.29 | 5.77 | ||||||
| Net debt | PLN bn | 16.4 | 31.0 | ||||||
| Book value equity | PLN bn | 58.5 | 55.9 | ||||||
| Book value per share | PLN | 46.81 | 44.73 | ||||||
| Number of shares | m | 1,250 | 1,250 | ||||||
| DPS (TTM paid) | PLN | 5.48 | 6.14 |
Financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 9.96 | 13.45 | ||||||
| P/B LTM | x | 1.82 | 2.61 | ||||||
| P/S LTM | x | 4.67 | 5.10 | ||||||
| P/FCF LTM | x | 14.60 | 25.26 | ||||||
| EV/EBITDA LTM | x | 8.83 | 11.07 | ||||||
| EV/Sales LTM | x | 3.96 | 6.18 | ||||||
| Earnings Yield LTM | % | 10.04% | 7.43% | ||||||
| FCF Yield | % | 6.85% | 3.96% | ||||||
| Quality | |||||||||
| ROE | % | 18.26% | 18.89% | ||||||
| ROIC | % | 1.81% | 8.98% | ||||||
| Operating margin | % | 43.06% | 41.50% | ||||||
| Gross margin | % | 68.65% | 76.05% | ||||||
| FCF/Sales | % | 22.88% | 15.79% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +14.92% | +7.97% | ||||||
| Sales Growth YoY | % | -20.97% | -6.86% | ||||||
| Net Income Growth YoY | % | +14.81% | +7.99% | ||||||
| FCF Growth | % | - | +55.30% | ||||||
| Operating Profit Growth | % | +7.82% | +9.32% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 6.43% | 5.26% | ||||||
| Dividend Growth | % | +111.58% | +12.04% | ||||||
| Payout Ratio | % | 64.09% | 63.21% | ||||||
| FCF/Debt | x | 0.18 | 0.12 | ||||||
| Net Debt/EBITDA | x | 1.28 | 1.94 | ||||||
| EBIT/Net interest | x | 1.52 | 1.91 | ||||||
| Net debt/market cap | % | 15.40% | 21.29% | ||||||
| Net debt/Equity | x | 0.28 | 0.56 | ||||||
| Gross debt/equity | x | 0.71 | 0.84 | ||||||
ETFs that hold Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares MSCI Poland UCITS ETF | IBCJ.DE | 1 | 18.38% |
| iShares MSCI Poland ETF | EPOL | 1 | 15.19% |
| Beta ETF WIG20TR | ETFBW20TR.WA | 2 | 13.91% |
Funds with Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides various banking products and services in Poland and internationally. It operates through three segments: Retail, Corporate and Investment, and Transfer Center and Other. The company offers current, currency, children and teenagers, and savings accounts; term deposits; and consumer, real estate, business, mortgage, and corporate loans. It also provides investment and insurance products; investment funds; credit, account, and debit cards; payments and online banking services; and private banking, electronic, and mobile banking services; leases and factoring services to firms and enterprises, developers, cooperatives, and property managers; and cash management and trade finance services, safekeeping of securities, and currency products and derivatives. In addition, the company is involved in agreement for financing large projects; issuing non-treasury securities; and investing and brokerage activities, as well as transactions in derivative instruments and debt securities; investment and pension fund management; sale of post-lease assets; securitization of lease receivables; lease of cars; outsourcing of IT specialists; and developing, leasing, buying, selling, and managing real estate. Further, it offers life, house and apartment, travel, health, banking product, and personal insurance; and transfer agent, debt collection, and fleet management services. It serves its products and services to individual customers, companies, enterprises, and corporations and local governments. The company was founded in 1919 and is based in Warsaw, Poland.
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.
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| iShares MSCI Poland UCITS ETF | IBCJ.DE | 1 | 18.38% |
| iShares MSCI Poland ETF | EPOL | 1 | 15.19% |
| Beta ETF WIG20TR | ETFBW20TR.WA | 2 | 13.91% |
Funds with Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides various banking products and services in Poland and internationally. It operates through three segments: Retail, Corporate and Investment, and Transfer Center and Other. The company offers current, currency, children and teenagers, and savings accounts; term deposits; and consumer, real estate, business, mortgage, and corporate loans. It also provides investment and insurance products; investment funds; credit, account, and debit cards; payments and online banking services; and private banking, electronic, and mobile banking services; leases and factoring services to firms and enterprises, developers, cooperatives, and property managers; and cash management and trade finance services, safekeeping of securities, and currency products and derivatives. In addition, the company is involved in agreement for financing large projects; issuing non-treasury securities; and investing and brokerage activities, as well as transactions in derivative instruments and debt securities; investment and pension fund management; sale of post-lease assets; securitization of lease receivables; lease of cars; outsourcing of IT specialists; and developing, leasing, buying, selling, and managing real estate. Further, it offers life, house and apartment, travel, health, banking product, and personal insurance; and transfer agent, debt collection, and fleet management services. It serves its products and services to individual customers, companies, enterprises, and corporations and local governments. The company was founded in 1919 and is based in Warsaw, Poland.
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