PKO Bank Polski SA is a universal banking group operating primarily in Poland, with subsidiaries in the Ukraine and Sweden. The bank's corporate strategy places a premium on organic growth and acquisitions. It has a strong presence in retail deposits, mortgage loans, consumer finance, corporate deposits, corporate loans, and asset management. Majority of its net revenue is net interest income, overwhelmingly derived from customer loans. Net fees and commissions, in contrast, are diversified across loans and insurance, mutual funds and brokerage, cards, and customer accounts. The bank has an appreciably large portion of its deposit base originating from retail clients in relation to competitors.

Financial Strength

2/10

Name	Current	Vs Industry	Vs History
Cash-To-Debt	1.4
Equity-to-Asset	0.09
Debt-to-Equity	0.5
Debt-to-EBITDA	N/A	N/A	N/A
Interest Coverage	N/A	N/A	N/A
Piotroski F-Score	9/9	0 1 2 3 4 5 6 7 8 9
Beneish M-Score	-2.41	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

8/10

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	18.4
	3-Year EPS without NRI Growth Rate	43.7
	3-Year FCF Growth Rate	12.6
	3-Year Book Growth Rate	4.3
	Future 3-5Y Total Revenue Growth Rate	1.63

Momentum Rank

9/10

	Name	Current	Vs Industry		Vs History

Liquidity Ratio

	Name	Current	Vs Industry		Vs History

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	4.39

Profitability Rank

5/10

	Name	Current	Vs Industry		Vs History
	Net Margin %	22.72
	FCF Margin %	186.29
	ROE %	13.3
	ROA %	1.19
	Years of Profitability over Past 10-Year	9

GF Value Rank

5/10

	Name	Current	Vs Industry		Vs History
	PE Ratio	13.47
	Forward PE Ratio	8.32
	PE Ratio without NRI	7.49
	Shiller PE Ratio	18.58
	Price-to-Owner-Earnings	1.57
	PEG Ratio	12.48
	PS Ratio	3.05
	PB Ratio	1.63
	Price-to-Tangible-Book	1.79
	Price-to-Free-Cash-Flow	1.64
	Price-to-Operating-Cash-Flow	1.58
	EV-to-Forward-EBIT	4.11
	EV-to-Revenue	2.68
	EV-to-Forward-Revenue	2.81
	EV-to-FCF	1.44
	Price-to-Projected-FCF	0.24
	Price-to-DCF (Earnings Based)	0.16
	Price-to-DCF (FCF Based)	0.02
	Price-to-Median-PS-Value	0.91
	Price-to-Graham-Number	0.77
	FCF Yield %	61.04
	Forward Rate of Return (Yacktman) %	36.31

Financials

Annual Quarterly TTM

PSZKF's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

See Details

Insider Trades

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Gurus Latest Trades with OTCPK:PSZKF

No Available Data

Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

PKO Bank Polski SA Executives

Details

GF Value: $3.75

PSZKF

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with PSZKF. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil $)	5,983.694
	EPS (TTM) ($)	1.085
	Beta	0.28
	Volatility %	7.45
	14-Day RSI	0
	14-Day ATR ($)	0
	20-Day SMA ($)	4.25
	12-1 Month Momentum %	0
	52-Week Range ($)	4.25 - 4.25
	Shares Outstanding (Mil)	1,250

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	9
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

PKO Bank Polski SA Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

PKO Bank Polski SA Stock Events

Financials Calendars

	Event	Date	Price($)
No Event Data

PKO Bank Polski SA Frequently Asked Questions

What is PKO Bank Polski SA(PSZKF)'s stock price today?

The current price of PSZKF is $4.25. The 52 week high of PSZKF is $4.25 and 52 week low is $4.25.

When is next earnings date of PKO Bank Polski SA(PSZKF)?

The next earnings date of PKO Bank Polski SA(PSZKF) is .

Does PKO Bank Polski SA(PSZKF) pay dividends? If so, how much?

PKO Bank Polski SA(PSZKF) does not pay dividend.

Press Release

	Subject	Date
No Press Release

Headlines

No news.

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