PKO Bank PolskiPSZKF -1.11%71 OCF Margin % is 33.06% as of Mar. 2026, which is 65% below its 10-year median of 93.82. 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 1,501 Banks companies, PKO Bank Polski ranks better than 76.95% on this metric.
The historical rank and industry rank for PKO Bank Polski's OCF Margin % or its related term are showing as below:
PSZKF'
s OCF Margin % Range Over the Past 10 Years
Min: -20.42 Med: 93.82 Max: 226.31
Current: 60.46
During the past 13 years, the highest OCF Margin % of PKO Bank Polski was 226.31%. The lowest was -20.42%. And the median was 93.82%.
PSZKF's OCF Margin % is ranked better than 76.95% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs PSZKF: 60.46
PKO Bank Polski OCF Margin % Related Terms
PKO Bank Polski OCF Margin % Historical Data
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The historical data trend for PKO Bank Polski's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, PKO Bank Polski's OCF Margin % distribution charts can be found below:
* The bar in red indicates where PKO Bank Polski's OCF 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 OCF Margin % of 33.06% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PKO Bank Polski and its competitors. This is 65% below median its historical median of 93.82. According to the industry distribution chart, PKO Bank Polski ranks #346 out of 1501 companies in the Banks industry, placing it in the top 23.1%.
Is PKO Bank Polski's OCF Margin % too high?
PKO Bank Polski's current OCF Margin % of 33.06% is 65% below median its 10-year median of 93.82. The Banks industry median OCF Margin % is 29.44. PKO Bank Polski's value of 33.06% is 12.3% above this industry median. Based on the distribution chart, PKO Bank Polski ranks #346 out of 1501 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 OCF Margin % compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #346 out of 1501 companies for OCF Margin %. This places PKO Bank Polski in the top 23% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 29.44. PKO Bank Polski's value of 33.06% is 12.3% above this benchmark. While the company's 10-year median is 93.82 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PKO Bank Polski's current OCF Margin % of 33.06% is 12.3% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on PKO Bank Polski and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PKO Bank Polski's current OCF Margin % is 33.06%, which is 65% below median its own 10-year median of 93.82. 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 OCF Margin % is 33.06%, which is 65% below median its 10-year median of 93.82 and 12.3% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For PKO Bank Polski (PSZKF), the current OCF Margin % is 33.06% 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:
OCF Margin %: 33.06% (65% below median its 10-year median of 93.82)
GF Value™: $20.25 vs. price of $26.62 (31.5% above fair value)
Industry Position: 12.3% above the Banks median (#346 of 1501)
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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