PSZKF (PKO Bank Polski) Margin of Safety % (DCF Earnings Based): 65.77% (As of Jun. 24, 2026)


PSZKF PKO Bank Polski SA PSZKF
71 GF Score
Price $26.62
GF Value $20.25
Valuation Significantly Overvalued
! 7 Warning Signs
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What is PKO Bank Polski Margin of Safety % (DCF Earnings Based)?

PKO Bank Polski PSZKF -1.11% 71 Margin of Safety % (DCF Earnings Based) is 65.77% as of Jun. 24, 2026. 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.

Margin of Safety % (DCF Earnings Based) = (Intrinsic Value: DCF (Earnings Based) - Current Price) / Intrinsic Value: DCF (Earnings Based).

Note: Discounted Earnings model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), PKO Bank Polski's Predictability Rank is 3.5-Stars. PKO Bank Polski's intrinsic value calculated from the Discounted Earnings model is $77.77 and current share price is $26.62. Consequently,

PKO Bank Polski's Margin of Safety % (DCF Earnings Based) using Discounted Earnings model is 65.77%.

PSZKF vs PNC: Margin of Safety % (DCF Earnings Based) Comparison

For the Banks - Regional subindustry, PKO Bank Polski's Margin of Safety % (DCF Earnings Based), along with its competitors' market caps and Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) vs Banks Industry

For the Banks industry and Financial Services sector, PKO Bank Polski's Margin of Safety % (DCF Earnings Based) distribution charts can be found below:

* The bar in red indicates where PKO Bank Polski's Margin of Safety % (DCF Earnings Based) falls into.


PSZKF
71GF Score
PKO Bank Polski SA PSZKF
Margin of Safety % (DCF Earnings Based) is just one metric. See GF Score™, valuation, warning signs, and more.
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PKO Bank Polski Margin of Safety % (DCF Earnings Based) Calculation

PKO Bank Polski's Margin of Safety % (DCF Earnings Based) for today is calculated as

Margin of Safety % (DCF Earnings Based)=(Intrinsic Value: DCF (Earnings Based)-Current Price)/Intrinsic Value: DCF (Earnings Based)
=(77.77-26.62)/77.77
=65.77 %

* 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.

The intrinsic value is calculated from the Discounted Earnings model with default parameters. The calculation method is the same as Discounted Cash Flow model except earnings are used in the calculation instead of free cash flow.

What does a Margin of Safety % (DCF Earnings Based) of 65.77% mean?
PKO Bank Polski (PSZKF) has a Margin of Safety % (DCF Earnings Based) of 65.77% as of Jun. 24, 2026. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PKO Bank Polski.
Is PKO Bank Polski's Margin of Safety % (DCF Earnings Based) too high?
PKO Bank Polski's current Margin of Safety % (DCF Earnings Based) is 65.77%. 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 Margin of Safety % (DCF Earnings Based) compare to PNC?
PKO Bank Polski's Margin of Safety % (DCF Earnings Based) of 65.77% 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 Margin of Safety % (DCF Earnings Based) for a Banks company?
A good Margin of Safety % (DCF Earnings Based) depends on the Banks industry context. However, Margin of Safety % (DCF Earnings Based) 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 Margin of Safety % (DCF Earnings Based) mean?
A high Margin of Safety % (DCF Earnings Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF Earnings Based) is the percent difference between the current price and the intrinsic DCF Earnings price. View historical data on PKO Bank Polski. PKO Bank Polski's current Margin of Safety % (DCF Earnings Based) is 65.77%. 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 Margin of Safety % (DCF Earnings Based) is 65.77%. 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 Margin of Safety % (DCF Earnings Based) calculated?
Margin of Safety % (DCF Earnings Based) is calculated from a company's financial statements. For PKO Bank Polski (PSZKF), the current Margin of Safety % (DCF Earnings Based) is 65.77% as of Jun. 24, 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:

  • Margin of Safety % (DCF Earnings Based): 65.77%
  • GF Value™: $20.25 vs. price of $26.62 (31.5% above fair value)
  • GF Score™: 71/100 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.
71GF Score

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Margin of Safety % (DCF Earnings Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$26.62
Price
$20.25
GF Value