PSZKF (PKO Bank Polski) E10: $1.29 (As of Jun. 2026)

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Director of Data and Quant Analytics at GuruFocus
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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.

PSZKF PKO Bank Polski SA PSZKF
67 GF Score
Price $30.94
GF Value $20.70
Valuation Significantly Overvalued
! 7 Warning Signs
View Full Analysis

What is PKO Bank Polski E10?

PKO Bank Polski PSZKF +0.59% 67 E10 is $1.29 as of Jun. 2026. GuruFocus rates PSZKF with a GF Score™ of 67/100 and a GF Value™ of $20.70 (Significantly Overvalued). The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

PKO Bank Polski's adjusted earnings per share data for the three months ended in Jun. 2026 was $0.596. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $1.29 for the trailing ten years ended in Jun. 2026.

During the past 12 months, PKO Bank Polski's average E10 Growth Rate was 16.00% per year. During the past 3 years, the average E10 Growth Rate was 13.60% per year. During the past 5 years, the average E10 Growth Rate was 12.10% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of PKO Bank Polski was 13.60% per year. The lowest was -4.30% per year. And the median was 5.35% per year.

As of today (2026-09-09), PKO Bank Polski's current stock price is $30.94. PKO Bank Polski's E10 for the quarter that ended in Jun. 2026 was $1.29. PKO Bank Polski's Shiller PE Ratio of today is 23.98.

During the past 13 years, the highest Shiller PE Ratio of PKO Bank Polski was 25.36. The lowest was 6.65. And the median was 14.58.


PKO Bank Polski  (OTCPK:PSZKF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

PKO Bank Polski's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=30.94/1.29
=23.98

* 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 Shiller P/E Ratio of PKO Bank Polski was 25.36. The lowest was 6.65. And the median was 14.58.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


PKO Bank Polski E10 Related Terms


PKO Bank Polski E10 Historical Data

* Premium members only.

The historical data trend for PKO Bank Polski's E10 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.

PKO Bank Polski E10 Chart

PKO Bank Polski Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.61 0.41 0.27 0.91 1.25

PKO Bank Polski Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
E10 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 1.13 1.19 1.25 1.28 1.29

PKO Bank Polski E10 Competitor Comparison

For the Banks - Regional subindustry, PKO Bank Polski's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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.


PKO Bank Polski Shiller PE Ratio vs Banks Industry

For the Banks industry and Financial Services sector, PKO Bank Polski's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where PKO Bank Polski's Shiller PE Ratio falls into.


PSZKF
67GF Score
PKO Bank Polski SA PSZKF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

PKO Bank Polski E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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, PKO Bank Polski's adjusted earnings per share data for the three months ended in Jun. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=0.596/162.2800*162.2800
=0.596

Current CPI (Jun. 2026) = 162.2800.

PKO Bank Polski Quarterly Data

per share eps CPI Adj_EPS
201609 0.165 99.064 0.270
201612 0.130 100.366 0.210
201703 0.113 101.018 0.182
201706 0.186 101.180 0.298
201709 0.194 101.343 0.311
201712 0.175 102.564 0.277
201803 0.165 102.564 0.261
201806 0.202 103.378 0.317
201809 0.224 103.378 0.352
201812 0.216 103.785 0.338
201903 0.186 104.274 0.289
201906 0.262 105.983 0.401
201909 0.270 105.983 0.413
201912 0.059 107.123 0.089
202003 0.108 109.076 0.161
202006 0.173 109.402 0.257
202009 0.154 109.320 0.229
202012 -0.988 109.565 -1.463
202103 0.254 112.658 0.366
202106 0.267 113.960 0.380
202109 0.273 115.588 0.383
202112 0.259 119.088 0.353
202203 0.308 125.031 0.400
202206 0.092 131.705 0.113
202209 -0.054 135.531 -0.065
202212 0.370 139.113 0.432
202303 0.313 145.950 0.348
202306 0.127 147.009 0.140
202309 0.599 146.113 0.665
202312 0.146 147.741 0.160
202403 0.443 149.044 0.482
202406 0.507 150.997 0.545
202409 0.532 153.439 0.563
202412 0.526 154.660 0.552
202503 0.534 157.021 0.552
202506 0.575 157.509 0.592
202509 0.613 158.000 0.630
202512 0.588 158.320 0.603
202603 0.545 163.070 0.542
202606 0.596 162.280 0.596

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $1.29 mean?
PKO Bank Polski (PSZKF) has a E10 of $1.29 as of Jun. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PKO Bank Polski and its competitors.
Is PKO Bank Polski's E10 too high?
PKO Bank Polski's current E10 is $1.29. Overall, PKO Bank Polski has a GF Score™ of 67/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PKO Bank Polski's E10 compare to competitors?
PKO Bank Polski's E10 of $1.29 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 E10 for a Banks company?
A good E10 depends on the Banks industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on PKO Bank Polski and its competitors. PKO Bank Polski's current E10 is $1.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is PKO Bank Polski stock overvalued right now?
Based on GuruFocus' analysis, PKO Bank Polski (PSZKF) is currently considered Significantly Overvalued. The stock's GF Value™ is $20.70, compared to a current price of $30.94 — trading 49.5% above its estimated fair value. The current E10 is $1.29. PKO Bank Polski's overall GF Score™ is 67/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For PKO Bank Polski (PSZKF), the current E10 is $1.29 as of Jun. 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 PKO Bank Polski (PSZKF) Overvalued in 2026?

Based on GuruFocus' analysis, PKO Bank Polski stock appears to be overvalued. The current stock price of $30.94 is trading 49.5% above its estimated GF Value™ of $20.70. GuruFocus considers PKO Bank Polski to be Significantly Overvalued.

Key valuation signals for PSZKF:

  • E10: $1.29
  • GF Value™: $20.70 vs. price of $30.94 (49.5% above fair value)
  • GF Score™: 67/100 with 7 warning signs

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


PKO Bank Polski Business Description

Address Swietokrzyska 36, Warsaw, POL, 00-116
PKO Bank Polski SA is a universal banking group operating predominantly in Poland. Its various products and service offerings include retail deposits, mortgage loans, consumer finance, corporate deposits, corporate loans, and asset management, among others. The majority of its net revenue is net interest income, overwhelmingly derived from customer loans. Along with its subsidiaries, the company operates in three main segments: Retail, Corporate and Investment, and Transfer Center and Other. Maximum revenue is generated from the Retail segment, which offers various services to individuals as part of retail, private, and mortgage banking, and to legal entities as part of corporate banking.
67GF Score

Get the complete analysis for PSZKF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$30.94
Price
$20.70
GF Value