PKO Bank PolskiPSZKF -1.11%71 FCF Margin % is 30.81% as of Mar. 2026, which is 65% below its 10-year median of 87.08. GuruFocus rates PSZKF with a GF Score™ of 71/100 and a GF Value™ of $20.25 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,505 Banks companies, PKO Bank Polski ranks better than 76.81% on this metric.
The historical rank and industry rank for PKO Bank Polski's FCF Margin % or its related term are showing as below:
PSZKF'
s FCF Margin % Range Over the Past 10 Years
Min: -24.76 Med: 87.08 Max: 216.83
Current: 55.99
During the past 13 years, the highest FCF Margin % of PKO Bank Polski was 216.83%. The lowest was -24.76%. And the median was 87.08%.
PSZKF's FCF Margin % is ranked better than 76.81% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs PSZKF: 55.99
PKO Bank Polski FCF Margin % Related Terms
PKO Bank Polski FCF Margin % Historical Data
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The historical data trend for PKO Bank Polski's FCF Margin % 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PKO Bank Polski's FCF Margin % distribution charts can be found below:
* The bar in red indicates where PKO Bank Polski's FCF Margin % falls into.
* 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 (PSZKF) has a FCF Margin % of 30.81% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PKO Bank Polski and its competitors. This is 65% below median its historical median of 87.08. According to the industry distribution chart, PKO Bank Polski ranks #349 out of 1505 companies in the Banks industry, placing it in the top 23.2%.
Is PKO Bank Polski's FCF Margin % too high?
PKO Bank Polski's current FCF Margin % of 30.81% is 65% below median its 10-year median of 87.08. The Banks industry median FCF Margin % is 26.42. PKO Bank Polski's value of 30.81% is 16.6% above this industry median. Based on the distribution chart, PKO Bank Polski ranks #349 out of 1505 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, PKO Bank Polski has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PKO Bank Polski's FCF Margin % compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #349 out of 1505 companies for FCF Margin %. This places PKO Bank Polski in the top 23% of its industry — outperforming the majority of peers. The industry median FCF Margin % is 26.42. PKO Bank Polski's value of 30.81% is 16.6% above this benchmark. While the company's 10-year median is 87.08 vs. the industry median of 26.42, 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 FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PKO Bank Polski's current FCF Margin % of 30.81% is 16.6% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on PKO Bank Polski and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PKO Bank Polski's current FCF Margin % is 30.81%, which is 65% below median its own 10-year median of 87.08. 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 $20.25, compared to a current price of $26.62 — trading 31.5% above its estimated fair value. The current FCF Margin % is 30.81%, which is 65% below median its 10-year median of 87.08 and 16.6% above the Banks industry median of 26.42. PKO Bank Polski's overall GF Score™ is 71/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For PKO Bank Polski (PSZKF), the current FCF Margin % is 30.81% 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 PKO Bank Polski (PSZKF) Overvalued in 2026?
Based on GuruFocus' analysis, PKO Bank Polski stock appears to be overvalued.
The current stock price of $26.62 is trading 31.5% above its estimated GF Value™ of $20.25.
GuruFocus considers PKO Bank Polski to be Significantly Overvalued.
Key valuation signals for PSZKF:
FCF Margin %: 30.81% (65% below median its 10-year median of 87.08)
GF Value™: $20.25 vs. price of $26.62 (31.5% above fair value)
Industry Position: 16.6% above the Banks median (#349 of 1505)
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 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.
71GF Score
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