Bank Polska Kasa Opieki (LTS:0DP0) Cyclically Adjusted Book per Share: zł31.60 (As of Mar. 2026)


LTS:0DP0 Bank Polska Kasa Opieki SA LTS:0DP0
78 GF Score
Price zł54.45
GF Value zł42.98
! 8 Warning Signs
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What is Bank Polska Kasa Opieki Cyclically Adjusted Book per Share?

Bank Polska Kasa Opieki LTS:0DP0 78 Cyclically Adjusted Book per Share is zł31.60 as of Mar. 2026. GuruFocus rates LTS:0DP0 with a GF Score™ of 78/100 and a GF Value™ of zł42.98. The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Bank Polska Kasa Opieki's adjusted book value per share for the three months ended in Mar. 2026 was zł137.258. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is zł31.60 for the trailing ten years ended in Mar. 2026.

During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 2.90% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 6.30% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Bank Polska Kasa Opieki was 9.10% per year. The lowest was 2.90% per year. And the median was 7.85% per year.

As of today (2026-07-03), Bank Polska Kasa Opieki's current stock price is zł54.45. Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share for the quarter that ended in Mar. 2026 was zł31.60. Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio of today is 1.72.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank Polska Kasa Opieki was 2.01. The lowest was 0.45. And the median was 1.09.


Bank Polska Kasa Opieki  (LTS:0DP0) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio of today is calculated as

Cyclically Adjusted PB Ratio=Share Price/Cyclically Adjusted Book per Share
=54.45/31.60
=1.72

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Bank Polska Kasa Opieki was 2.01. The lowest was 0.45. And the median was 1.09.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Bank Polska Kasa Opieki Cyclically Adjusted Book per Share Related Terms


Bank Polska Kasa Opieki Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Bank Polska Kasa Opieki Cyclically Adjusted Book per Share Chart

Bank Polska Kasa Opieki Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 45.55 73.08 43.31 49.25 33.57

Bank Polska Kasa Opieki Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 39.09 37.16 39.38 33.57 31.60

LTS:0DP0 vs PNC: Cyclically Adjusted Book per Share Comparison

For the Banks - Regional subindustry, Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Bank Polska Kasa Opieki Cyclically Adjusted PB Ratio vs Banks Industry

For the Banks industry and Financial Services sector, Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Bank Polska Kasa Opieki's Cyclically Adjusted PB Ratio falls into.


LTS:0DP0
78GF Score
Bank Polska Kasa Opieki SA LTS:0DP0
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Bank Polska Kasa Opieki Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Bank Polska Kasa Opieki's adjusted Book Value per Share data for the three months ended in Mar. 2026 was:

Adj_Book= Book Value per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=137.258/163.0700*163.0700
=137.258

Current CPI (Mar. 2026) = 163.0700.

Bank Polska Kasa Opieki Quarterly Data

Book Value per Share CPI Adj_Book
201606 84.527 99.552 138.458
201609 86.579 99.064 142.518
201612 87.237 100.366 141.738
201703 89.087 101.018 143.811
201706 82.652 101.180 133.208
201709 84.783 101.343 136.423
201712 88.649 102.564 140.946
201803 87.666 102.564 139.383
201806 81.687 103.378 128.854
201809 83.776 103.378 132.149
201812 86.855 103.785 136.469
201903 87.949 104.274 137.541
201906 84.082 105.983 129.372
201909 86.911 105.983 133.725
201912 89.101 107.123 135.636
202003 90.562 109.076 135.391
202006 93.984 109.402 140.089
202009 95.775 109.320 142.865
202012 97.092 109.565 144.507
202103 96.363 112.658 139.484
202106 97.358 113.960 139.313
202109 95.201 115.588 134.308
202112 90.873 119.088 124.434
202203 89.468 125.031 116.688
202206 81.935 131.705 101.447
202209 79.769 135.531 95.977
202212 86.726 139.113 101.662
202303 95.799 145.950 107.036
202306 98.885 147.009 109.689
202309 107.912 146.113 120.436
202312 115.884 147.741 127.908
202403 120.661 149.044 132.016
202406 107.483 150.997 116.077
202409 116.752 153.439 124.080
202412 121.542 154.660 128.151
202503 129.447 157.021 134.434
202506 118.673 157.509 122.863
202509 126.502 158.000 130.561
202512 134.674 158.320 138.715
202603 137.258 163.070 137.258

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of zł31.60 mean?
Bank Polska Kasa Opieki (LTS:0DP0) has a Cyclically Adjusted Book per Share of zł31.60 as of Mar. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Bank Polska Kasa Opieki and its competitors.
Is Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share too high?
Bank Polska Kasa Opieki's current Cyclically Adjusted Book per Share is zł31.60. Overall, Bank Polska Kasa Opieki has a GF Score™ of 78/100, reflecting its overall financial health beyond just this single metric.
How does Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share compare to PNC?
Bank Polska Kasa Opieki's Cyclically Adjusted Book per Share of zł31.60 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for a Banks company?
A good Cyclically Adjusted Book per Share depends on the Banks industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Bank Polska Kasa Opieki and its competitors. Bank Polska Kasa Opieki's current Cyclically Adjusted Book per Share is zł31.60. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Polska Kasa Opieki stock overvalued right now?
Bank Polska Kasa Opieki (LTS:0DP0) has a current Cyclically Adjusted Book per Share of zł31.60. The stock's GF Value™ is zł42.98, compared to a current price of zł54.45 — trading 26.7% above its estimated fair value. The current Cyclically Adjusted Book per Share is zł31.60. Bank Polska Kasa Opieki's overall GF Score™ is 78/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Bank Polska Kasa Opieki (LTS:0DP0), the current Cyclically Adjusted Book per Share is zł31.60 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Bank Polska Kasa Opieki (LTS:0DP0) Overvalued in 2026?

Based on GuruFocus' analysis, Bank Polska Kasa Opieki stock appears to be overvalued. The current stock price of zł54.45 is trading 26.7% above its estimated GF Value™ of zł42.98.

Key valuation signals for LTS:0DP0:

  • Cyclically Adjusted Book per Share: zł31.60
  • GF Value™: zł42.98 vs. price of zł54.45 (26.7% above fair value)
  • GF Score™: 78/100 with 8 warning signs

No single metric tells the full story. See the LTS:0DP0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Bank Polska Kasa Opieki Business Description

Address Zubra Street 1, Warsaw, POL, 01-066
Bank Polska Kasa Opieki SA is a commercial banking group that provides a wide variety of retail and investment services in Poland. The group's four segments include retail banking and private banking, corporate and investment banking, enterprise banking and assets and liabilities management. Of these segments, retail and private banking is the greatest contributor to both net interest income and fee and commission income, followed by corporate and investment banking. The majority of the bank's revenue is net interest income, almost entirely derived from loans and receivables from customers.
78GF Score

Get the complete analysis for LTS:0DP0

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

zł54.45
Price
zł42.98
GF Value