PKO Bank PolskiPSZKY +1.71%74 EV-to-FCF is 8.36 as of Jul. 04, 2026, which is 103% above its 10-year median of 4.12. GuruFocus rates PSZKY with a GF Score™ of 74/100 and a GF Value™ of $19.70 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,193 Banks companies, PKO Bank Polski ranks worse than 55.49% on this metric.
EV-to-FCF is calculated as enterprise value divided by its free cash flow. As of today, PKO Bank Polski's Enterprise Value is $38,871 Mil.
PKO Bank Polski's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 was $4,650 Mil. Therefore, PKO Bank Polski's EV-to-FCF for today is 8.36.
The historical rank and industry rank for PKO Bank Polski's EV-to-FCF or its related term are showing as below:
PSZKY'
s EV-to-FCF Range Over the Past 10 Years
Min: -14.04 Med: 4.12 Max: 81.86
Current: 8.2
During the past 13 years, the highest EV-to-FCF of PKO Bank Polski was 81.86. The lowest was -14.04. And the median was 4.12.
PSZKY's EV-to-FCF is ranked worse than 55.49% of 1193
companies
in the Banks industry
Industry Median: 6.61
vs PSZKY: 8.20
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PKO Bank Polski (OTCPK:PSZKY) EV-to-FCF Explanation
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
PKO Bank Polski's PE Ratio (TTM) for today is calculated as:
PKO Bank Polski's share price for today is $28.53.
PKO Bank Polski's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $2.299.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
PKO Bank Polski EV-to-FCF Related Terms
PKO Bank Polski EV-to-FCF Historical Data
* Premium members only.
The historical data trend for PKO Bank Polski's EV-to-FCF 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.
For the Banks - Regional subindustry, PKO Bank Polski's EV-to-FCF, along with its competitors' market caps and EV-to-FCF 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 EV-to-FCF vs Banks Industry
For the Banks industry and Financial Services sector, PKO Bank Polski's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where PKO Bank Polski's EV-to-FCF falls into.
PKO Bank Polski's current Enterprise Value is $38,871 Mil.
PKO Bank Polski's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $4,650 Mil.
* 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 (PSZKY) has a EV-to-FCF of 8.36 as of Jul. 04, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PKO Bank Polski and its competitors. This is 103% above median its historical median of 4.12. According to the industry distribution chart, PKO Bank Polski ranks #662 out of 1193 companies in the Banks industry, placing it in the top 55.5%.
Is PKO Bank Polski's EV-to-FCF too high?
PKO Bank Polski's current EV-to-FCF of 8.36 is 103% above median its 10-year median of 4.12. The Banks industry median EV-to-FCF is 6.61. PKO Bank Polski's value of 8.36 is 26.5% above this industry median. Based on the distribution chart, PKO Bank Polski ranks #662 out of 1193 companies in the Banks industry, which is below the industry midpoint. Overall, PKO Bank Polski has a GF Score™ of 74/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PKO Bank Polski's EV-to-FCF compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #662 out of 1193 companies for EV-to-FCF. This places PKO Bank Polski in the lower half of its industry. The industry median EV-to-FCF is 6.61. PKO Bank Polski's value of 8.36 is 26.5% above this benchmark. While the company's 10-year median is 4.12 vs. the industry median of 6.61, PKO Bank Polski has consistently been above 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 EV-to-FCF for a Banks company?
The median EV-to-FCF among Banks companies is 6.61, based on 1,193 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PKO Bank Polski's current EV-to-FCF of 8.36 is 26.5% above 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 EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on PKO Bank Polski and its competitors. For the Banks industry, the median EV-to-FCF is 6.61 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PKO Bank Polski's current EV-to-FCF is 8.36, which is 103% above median its own 10-year median of 4.12. 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 (PSZKY) is currently considered Significantly Overvalued. The stock's GF Value™ is $19.70, compared to a current price of $28.53 — trading 44.8% above its estimated fair value. The current EV-to-FCF is 8.36, which is 103% above median its 10-year median of 4.12 and 26.5% above the Banks industry median of 6.61. PKO Bank Polski's overall GF Score™ is 74/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For PKO Bank Polski (PSZKY), the current EV-to-FCF is 8.36 as of Jul. 04, 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 (PSZKY) Overvalued in 2026?
Based on GuruFocus' analysis, PKO Bank Polski stock appears to be overvalued.
The current stock price of $28.53 is trading 44.8% above its estimated GF Value™ of $19.70.
GuruFocus considers PKO Bank Polski to be Significantly Overvalued.
Key valuation signals for PSZKY:
EV-to-FCF: 8.36 (103% above median its 10-year median of 4.12)
GF Value™: $19.70 vs. price of $28.53 (44.8% above fair value)
Industry Position: 26.5% above the Banks median (#662 of 1193)
No single metric tells the full story. See the PSZKY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
74GF Score
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