PKO Bank PolskiPSZKF -1.11%71 Net Margin % is 32.46% as of Mar. 2026, which is 24% above its 10-year median of 26.08. 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 1,527 Banks companies, PKO Bank Polski ranks better than 73.74% on this metric.
Net margin is calculated as Net Income divided by its Revenue. PKO Bank Polski's Net Income for the
three
months ended in Mar. 2026 was $686 Mil. PKO Bank Polski's Revenue for the
three
months ended in Mar. 2026 was $2,115 Mil. Therefore, PKO Bank Polski's net margin for the quarter that ended in Mar. 2026 was 32.46%.
The historical rank and industry rank for PKO Bank Polski's Net Margin % or its related term are showing as below:
PSZKF'
s Net Margin % Range Over the Past 10 Years
Min: -17.54 Med: 26.08 Max: 34.45
Current: 34.45
PSZKF's Net Margin % is ranked better than 73.74% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PSZKF: 34.45
PKO Bank Polski (OTCPK:PSZKF) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
PKO Bank Polski Net Margin % Related Terms
PKO Bank Polski Net Margin % Historical Data
* Premium members only.
The historical data trend for PKO Bank Polski's Net 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 Net Margin %, along with its competitors' market caps and Net 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 Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PKO Bank Polski's Net Margin % distribution charts can be found below:
* The bar in red indicates where PKO Bank Polski's Net 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 Net Margin % of 32.46% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on PKO Bank Polski and its competitors. This is 24% above median its historical median of 26.08. According to the industry distribution chart, PKO Bank Polski ranks #401 out of 1527 companies in the Banks industry, placing it in the top 26.3%.
Is PKO Bank Polski's Net Margin % too high?
PKO Bank Polski's current Net Margin % of 32.46% is 24% above median its 10-year median of 26.08. The Banks industry median Net Margin % is 26.95. PKO Bank Polski's value of 32.46% is 20.4% above this industry median. Based on the distribution chart, PKO Bank Polski ranks #401 out of 1527 companies in the Banks industry, which is above the industry midpoint. 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 Net Margin % compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #401 out of 1527 companies for Net Margin %. This puts PKO Bank Polski in the upper half of its industry. The industry median Net Margin % is 26.95. PKO Bank Polski's value of 32.46% is 20.4% above this benchmark. While the company's 10-year median is 26.08 vs. the industry median of 26.95, 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.95, based on 1,527 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PKO Bank Polski's current Net Margin % of 32.46% is 20.4% 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on PKO Bank Polski and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PKO Bank Polski's current Net Margin % is 32.46%, which is 24% above median its own 10-year median of 26.08. 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 Net Margin % is 32.46%, which is 24% above median its 10-year median of 26.08 and 20.4% above the Banks industry median of 26.95. 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 Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For PKO Bank Polski (PSZKF), the current Net Margin % is 32.46% 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:
Net Margin %: 32.46% (24% above median its 10-year median of 26.08)
GF Value™: $20.25 vs. price of $26.62 (31.5% above fair value)
Industry Position: 20.4% above the Banks median (#401 of 1527)
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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