Bank Polska Kasa OpiekiWAR:PEO +0.52%78 OCF Margin % is 12.09% as of Mar. 2026, which is 88% below its 10-year median of 102.90. GuruFocus rates WAR:PEO with a GF Score™ of 78/100 and a GF Value™ of zł180.61 (Modestly Overvalued). The stock has 9 warning signs investors should review. Among 1,501 Banks companies, Bank Polska Kasa Opieki ranks better than 70.89% on this metric.
* 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, Bank Polska Kasa Opieki'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.
Bank Polska Kasa Opieki OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank Polska Kasa Opieki's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Bank Polska Kasa Opieki'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.
Bank Polska Kasa Opieki (WAR:PEO) has a OCF Margin % of 12.09% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Bank Polska Kasa Opieki and its competitors. This is 88% below median its historical median of 102.90. According to the industry distribution chart, Bank Polska Kasa Opieki ranks #437 out of 1501 companies in the Banks industry, placing it in the top 29.1%.
Is Bank Polska Kasa Opieki's OCF Margin % too high?
Bank Polska Kasa Opieki's current OCF Margin % of 12.09% is 88% below median its 10-year median of 102.90. The Banks industry median OCF Margin % is 29.44. Bank Polska Kasa Opieki's value of 12.09% is 58.9% below this industry median. Based on the distribution chart, Bank Polska Kasa Opieki ranks #437 out of 1501 companies in the Banks industry, which is above the industry midpoint. Overall, Bank Polska Kasa Opieki has a GF Score™ of 78/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank Polska Kasa Opieki's OCF Margin % compare to PNC?
According to the Banks industry distribution chart, Bank Polska Kasa Opieki ranks #437 out of 1501 companies for OCF Margin %. This puts Bank Polska Kasa Opieki in the upper half of its industry. The industry median OCF Margin % is 29.44. Bank Polska Kasa Opieki's value of 12.09% is 58.9% below this benchmark. While the company's 10-year median is 102.90 vs. the industry median of 29.44, Bank Polska Kasa Opieki has consistently been below 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. Bank Polska Kasa Opieki's current OCF Margin % of 12.09% is 58.9% below 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 Bank Polska Kasa Opieki 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. Bank Polska Kasa Opieki's current OCF Margin % is 12.09%, which is 88% below median its own 10-year median of 102.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank Polska Kasa Opieki stock overvalued right now?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki (WAR:PEO) is currently considered Modestly Overvalued. The stock's GF Value™ is zł180.61, compared to a current price of zł230.00 — trading 27.3% above its estimated fair value. The current OCF Margin % is 12.09%, which is 88% below median its 10-year median of 102.90 and 58.9% below the Banks industry median of 29.44. Bank Polska Kasa Opieki's overall GF Score™ is 78/100 with 9 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 Bank Polska Kasa Opieki (WAR:PEO), the current OCF Margin % is 12.09% 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 Bank Polska Kasa Opieki (WAR:PEO) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki stock appears to be overvalued.
The current stock price of zł230.00 is trading 27.3% above its estimated GF Value™ of zł180.61.
GuruFocus considers Bank Polska Kasa Opieki to be Modestly Overvalued.
Key valuation signals for WAR:PEO:
OCF Margin %: 12.09% (88% below median its 10-year median of 102.90)
GF Value™: zł180.61 vs. price of zł230.00 (27.3% above fair value)
Industry Position: 58.9% below the Banks median (#437 of 1501)
No single metric tells the full story. See the WAR:PEO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank Polska Kasa Opieki SA is a commercial banking group that provides a wide variety of retail and investment services in Poland. The group's four segments include retail banking and private banking, corporate and investment banking, enterprise banking and assets and liabilities management. Of these segments, retail and private banking is the greatest contributor to both net interest income and fee and commission income, followed by corporate and investment banking. The majority of the bank's revenue is net interest income, almost entirely derived from loans and receivables from customers.
78GF Score
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