PKO Bank Polski (FRA:P9O) Moat Score: 6/10 (As of Jul. 04, 2026)


FRA:P9O PKO Bank Polski SA FRA:P9O
79 GF Score
Price €24.65
GF Value €16.96
Valuation Significantly Overvalued
! 7 Warning Signs
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What is PKO Bank Polski Moat Score?

PKO Bank Polski FRA:P9O +0.41% 79 Moat Score is 6 as of Jul. 04, 2026. GuruFocus rates FRA:P9O with a GF Score™ of 79/100 and a GF Value™ of €16.96 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,611 Banks companies, PKO Bank Polski ranks better than 97.83% on this metric.

PKO Bank Polski has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

PKO Bank Polski has Narrow Moat: PKO Bank Polski SA has a strong narrow moat with a leading market share in Poland, significant customer loyalty, and regulatory barriers. Its extensive distribution network and brand strength support its position, but it lacks global dominance for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes PKO Bank Polski might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

PKO Bank Polski  (FRA:P9O) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

PKO Bank Polski Moat Score Related Terms

FRA:P9O vs PNC: Moat Score Comparison

For the Banks - Regional subindustry, PKO Bank Polski's Moat Score, along with its competitors' market caps and Moat Score 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 Moat Score vs Banks Industry

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

* The bar in red indicates where PKO Bank Polski's Moat Score falls into.


FRA:P9O
79GF Score
PKO Bank Polski SA FRA:P9O
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
PKO Bank Polski (FRA:P9O) has a Moat Score of 6 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, PKO Bank Polski ranks #35 out of 1611 companies in the Banks industry, placing it in the top 2.2%.
Is PKO Bank Polski's Moat Score too high?
PKO Bank Polski's current Moat Score is 6. Based on the distribution chart, PKO Bank Polski ranks #35 out of 1611 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 79/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PKO Bank Polski's Moat Score compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #35 out of 1611 companies for Moat Score. This places PKO Bank Polski in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Banks company?
A good Moat Score depends on the Banks industry context. However, Moat Score 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 Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. PKO Bank Polski's current Moat Score is 6. 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 (FRA:P9O) is currently considered Significantly Overvalued. The stock's GF Value™ is €16.96, compared to a current price of €24.65 — trading 45.3% above its estimated fair value. The current Moat Score is 6. PKO Bank Polski's overall GF Score™ is 79/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For PKO Bank Polski (FRA:P9O), the current Moat Score is 6 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 (FRA:P9O) Overvalued in 2026?

Based on GuruFocus' analysis, PKO Bank Polski stock appears to be overvalued. The current stock price of €24.65 is trading 45.3% above its estimated GF Value™ of €16.96. GuruFocus considers PKO Bank Polski to be Significantly Overvalued.

Key valuation signals for FRA:P9O:

  • Moat Score: 6
  • GF Value™: €16.96 vs. price of €24.65 (45.3% above fair value)
  • GF Score™: 79/100 with 7 warning signs

No single metric tells the full story. See the FRA:P9O 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.
79GF Score

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

€24.65
Price
€16.96
GF Value