Bank Polska Kasa Opieki (LTS:0DP0) Cyclically Adjusted PS Ratio: 0.37 (As of Jul. 18, 2026) — Near Median

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

LTS:0DP0 Bank Polska Kasa Opieki SA LTS:0DP0
76 GF Score
Price zł54.45
GF Value zł40.30
! 9 Warning Signs
View Full Analysis

What is Bank Polska Kasa Opieki Cyclically Adjusted PS Ratio?

Bank Polska Kasa Opieki LTS:0DP0 76 Cyclically Adjusted PS Ratio is 0.37 as of Jul. 18, 2026, which is at its 10-year median of 0.37. GuruFocus rates LTS:0DP0 with a GF Score™ of 76/100 and a GF Value™ of zł40.30. The stock has 9 warning signs investors should review. Among 1,303 Banks companies, Bank Polska Kasa Opieki ranks better than 96.85% on this metric.

As of today (2026-07-18), Bank Polska Kasa Opieki's current share price is zł54.45. Bank Polska Kasa Opieki's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 was zł146.25. Bank Polska Kasa Opieki's Cyclically Adjusted PS Ratio for today is 0.37.

The historical rank and industry rank for Bank Polska Kasa Opieki's Cyclically Adjusted PS Ratio or its related term are showing as below:

LTS:0DP0' s Cyclically Adjusted PS Ratio Range Over the Past 10 Years
Min: 0.13   Med: 0.37   Max: 4.02
Current: 0.42

During the past years, Bank Polska Kasa Opieki's highest Cyclically Adjusted PS Ratio was 4.02. The lowest was 0.13. And the median was 0.37.

LTS:0DP0's Cyclically Adjusted PS Ratio is ranked better than
96.85% of 1303 companies
in the Banks industry
Industry Median: 3.37 vs LTS:0DP0: 0.42

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 PS Ratio. The Cyclically Adjusted Revenue per Share is the average of the inflation adjusted revenue per share of a company over the past 10 years.

Bank Polska Kasa Opieki's adjusted revenue per share data for the three months ended in Mar. 2026 was zł15.874. Add all the adjusted revenue per share for the past 10 years together and divide 10 will get our Cyclically Adjusted Revenue per Share, which is zł146.25 for the trailing ten years ended in Mar. 2026.

Shiller PE for Stocks: The True Measure of Stock Valuation


Bank Polska Kasa Opieki  (LTS:0DP0) Cyclically Adjusted PS Ratio Explanation

Compared with the regular PS Ratio, which works poorly for cyclical businesses, the Cyclically Adjusted PS Ratio smoothed out the fluctuations of revenue during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Cyclically Adjusted PS Ratio should give similar results to regular PS Ratio.


Bank Polska Kasa Opieki Cyclically Adjusted PS Ratio Related Terms


Bank Polska Kasa Opieki Cyclically Adjusted PS Ratio Historical Data

* Premium members only.

The historical data trend for Bank Polska Kasa Opieki's Cyclically Adjusted PS Ratio 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 PS Ratio Chart

Bank Polska Kasa Opieki Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted PS Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.61 0.18 0.29 0.25 0.36

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 PS Ratio 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 0.31 0.33 0.31 0.36 0.37

LTS:0DP0 vs PNC: Cyclically Adjusted PS Ratio Comparison

For the Banks - Regional subindustry, Bank Polska Kasa Opieki's Cyclically Adjusted PS Ratio, along with its competitors' market caps and Cyclically Adjusted PS 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 PS Ratio vs Banks Industry

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

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


LTS:0DP0
76GF Score
Bank Polska Kasa Opieki SA LTS:0DP0
Cyclically Adjusted PS Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Bank Polska Kasa Opieki Cyclically Adjusted PS Ratio Calculation

Like the Shiller PE Ratio, the Cyclically Adjusted PS Ratio takes the Revenue per Share from the past 10 years, adjusts it for inflation, and then calculates the average. This average is then used for the P/S calculation. Because it considers this 10-year average, it's often referred to as the CAPS Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PS Ratio.

Bank Polska Kasa Opieki's Cyclically Adjusted PS Ratio for today is calculated as

Cyclically Adjusted PS Ratio=Share Price/ Cyclically Adjusted Revenue per Share
=54.45/146.25
=0.37

* 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's Cyclically Adjusted Revenue per Share for the quarter that ended in Mar. 2026 is calculated as:

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

Adj_RevenuePerShare=Revenue per Share/CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=15.874/163.0700*163.0700
=15.874

Current CPI (Mar. 2026) = 163.0700.

Bank Polska Kasa Opieki Quarterly Data

Revenue per Share CPI Adj_RevenuePerShare
201606 7.687 99.552 12.592
201609 6.700 99.064 11.029
201612 6.796 100.366 11.042
201703 6.732 101.018 10.867
201706 6.800 101.180 10.959
201709 6.988 101.343 11.244
201712 9.418 102.564 14.974
201803 7.221 102.564 11.481
201806 7.415 103.378 11.697
201809 7.478 103.378 11.796
201812 7.522 103.785 11.819
201903 7.458 104.274 11.663
201906 7.826 105.983 12.041
201909 7.995 105.983 12.301
201912 8.519 107.123 12.968
202003 7.858 109.076 11.748
202006 7.894 109.402 11.766
202009 6.984 109.320 10.418
202012 7.505 109.565 11.170
202103 7.635 112.658 11.052
202106 8.319 113.960 11.904
202109 8.056 115.588 11.365
202112 8.816 119.088 12.072
202203 10.876 125.031 14.185
202206 12.506 131.705 15.484
202209 4,412.768 135.531 5,309.409
202212 15.070 139.113 17.665
202303 13.819 145.950 15.440
202306 14.828 147.009 16.448
202309 14.550 146.113 16.239
202312 15.190 147.741 16.766
202403 14.897 149.044 16.299
202406 14.261 150.997 15.401
202409 15.576 153.439 16.554
202412 16.846 154.660 17.762
202503 16.227 157.021 16.852
202506 16.737 157.509 17.328
202509 16.479 158.000 17.008
202512 16.898 158.320 17.405
202603 15.874 163.070 15.874

Add all the adjusted revenue per share together and divide 10 will get our Cyclically Adjusted Revenue 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.

What does a Cyclically Adjusted PS Ratio of 0.37 mean?
Bank Polska Kasa Opieki (LTS:0DP0) has a Cyclically Adjusted PS Ratio of 0.37 as of Jul. 18, 2026. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Bank Polska Kasa Opieki and its competitors. This is near median its historical median of 0.37. Over the past decade, Bank Polska Kasa Opieki's Cyclically Adjusted PS Ratio has ranged from 0.13 to 4.02. According to the industry distribution chart, Bank Polska Kasa Opieki ranks #41 out of 1303 companies in the Banks industry, placing it in the top 3.1%.
Is Bank Polska Kasa Opieki's Cyclically Adjusted PS Ratio too high?
Bank Polska Kasa Opieki's current Cyclically Adjusted PS Ratio of 0.37 is near median its 10-year median of 0.37. Over the past 10 years, this metric has ranged from a low of 0.13 to a high of 4.02. The Banks industry median Cyclically Adjusted PS Ratio is 3.37. Bank Polska Kasa Opieki's value of 0.37 is 89% below this industry median. Based on the distribution chart, Bank Polska Kasa Opieki ranks #41 out of 1303 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Bank Polska Kasa Opieki has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does Bank Polska Kasa Opieki's Cyclically Adjusted PS Ratio compare to PNC?
According to the Banks industry distribution chart, Bank Polska Kasa Opieki ranks #41 out of 1303 companies for Cyclically Adjusted PS Ratio. This places Bank Polska Kasa Opieki in the top 3% of its industry — outperforming the majority of peers. The industry median Cyclically Adjusted PS Ratio is 3.37. Bank Polska Kasa Opieki's value of 0.37 is 89% below this benchmark. Historically, Bank Polska Kasa Opieki's own Cyclically Adjusted PS Ratio has ranged from 0.13 to 4.02 over the past decade. While the company's 10-year median is 0.37 vs. the industry median of 3.37, Bank Polska Kasa Opieki has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted PS Ratio for a Banks company?
The median Cyclically Adjusted PS Ratio among Banks companies is 3.37, based on 1,303 companies in the industry. Companies in the top quartile (top 25%) have a Cyclically Adjusted PS Ratio significantly above this median, while those in the bottom quartile fall well below. However, Cyclically Adjusted PS Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Bank Polska Kasa Opieki's current Cyclically Adjusted PS Ratio of 0.37 is 89% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted PS Ratio mean?
A high Cyclically Adjusted PS Ratio can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted PS Ratio is the ratio of share price to a company's inflation-adjusted revenue per share over a 10-year period. View historical data on Bank Polska Kasa Opieki and its competitors. For the Banks industry, the median Cyclically Adjusted PS Ratio is 3.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank Polska Kasa Opieki's current Cyclically Adjusted PS Ratio is 0.37, which is near median its own 10-year median of 0.37. 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 PS Ratio of 0.37. The stock's GF Value™ is zł40.30, compared to a current price of zł54.45 — trading 35.1% above its estimated fair value. The current Cyclically Adjusted PS Ratio is 0.37, which is near median its 10-year median of 0.37 and 89% below the Banks industry median of 3.37. Bank Polska Kasa Opieki's overall GF Score™ is 76/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted PS Ratio calculated?
Cyclically Adjusted PS Ratio is calculated from a company's financial statements. For Bank Polska Kasa Opieki (LTS:0DP0), the current Cyclically Adjusted PS Ratio is 0.37 as of Jul. 18, 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 35.1% above its estimated GF Value™ of zł40.30.

Key valuation signals for LTS:0DP0:

  • Cyclically Adjusted PS Ratio: 0.37 (near median its 10-year median of 0.37)
  • GF Value™: zł40.30 vs. price of zł54.45 (35.1% above fair value)
  • GF Score™: 76/100 with 9 warning signs
  • Industry Position: 89% below the Banks median (#41 of 1303)

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.
76GF Score

Get the complete analysis for LTS:0DP0

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

zł54.45
Price
zł40.30
GF Value