PKO Bank Polski (FRA:P9O) PE Ratio: 11.81 (As of Jun. 28, 2026) — Near Median


FRA:P9O PKO Bank Polski SA FRA:P9O
77 GF Score
Price €23.67
GF Value €16.53
Valuation Significantly Overvalued
! 7 Warning Signs
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What is PKO Bank Polski PE Ratio?

PKO Bank Polski FRA:P9O -0.90% 77 PE Ratio is 11.81 as of Jun. 28, 2026, which is 1% below its 10-year median of 11.88. GuruFocus rates FRA:P9O with a GF Score™ of 77/100 and a GF Value™ of €16.53 (Significantly Overvalued). The stock has 7 warning signs investors should review.

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). As of today (2026-06-28), PKO Bank Polski's share price is €23.665. PKO Bank Polski's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was €2.00. Therefore, PKO Bank Polski's PE Ratio for today is 11.81.

Warning Sign:

PKO Bank Polski SA stock PE Ratio (=12.05) is close to 2-year high of 12.92.

During the past 13 years, PKO Bank Polski's highest PE Ratio was 19.18. The lowest was 6.57. And the median was 11.88.

PKO Bank Polski's EPS (Diluted) for the three months ended in Mar. 2026 was €0.47. Its EPS (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 was €2.00.

As of today (2026-06-28), PKO Bank Polski's share price is €23.665. PKO Bank Polski's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was €2.62. Therefore, PKO Bank Polski's PE Ratio without NRI ratio for today is 9.04.

During the past 13 years, PKO Bank Polski's highest PE Ratio without NRI was 18.86. The lowest was 4.62. And the median was 9.66.

PKO Bank Polski's EPS without NRI for the three months ended in Mar. 2026 was €0.53. Its EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was €2.62.

During the past 12 months, PKO Bank Polski's average EPS without NRI Growth Rate was 4.50% per year. During the past 3 years, the average EPS without NRI Growth Rate was 46.50% per year. During the past 5 years, the average EPS without NRI Growth Rate was 38.90% per year. During the past 10 years, the average EPS without NRI Growth Rate was 18.30% per year.

During the past 13 years, PKO Bank Polski's highest 3-Year average EPS without NRI Growth Rate was 46.50% per year. The lowest was -11.40% per year. And the median was 2.50% per year.

PKO Bank Polski's EPS (Basic) for the three months ended in Mar. 2026 was €0.47. Its EPS (Basic) for the trailing twelve months (TTM) ended in Mar. 2026 was €2.00.

Back to Basics: PE Ratio


PKO Bank Polski  (FRA:P9O) PE Ratio Explanation

The PE Ratio can be viewed as the number of years it takes for the company to earn back the price you pay for the stock. For example, if a company earns $2 a share per year, and the stock is traded at $30, the PE Ratio is 15. Therefore it takes 15 years for the company to earn back the $30 you paid for its stock, assuming the earnings stays constant over the next 15 years.

In real business, earnings never stay constant. If a company can grow its earnings, it takes fewer years for the company to earn back the price you pay for the stock. If a company's earnings decline it takes more years. As a shareholder, you want the company to earn back the price you pay as soon as possible. Therefore, lower P/E stocks are more attractive than higher P/E stocks so long as the PE Ratio is positive. Also for stocks with the same PE Ratio, the one with faster growth business is more attractive.

If a company loses money, the PE Ratio becomes meaningless.

To compare stocks with different growth rates, Peter Lynch invented a ratio called PEG Ratio. PEG Ratio is defined as the PE Ratio divided by the growth ratio. He thinks a company with a PE Ratio equal to its growth rate is fairly valued. Still he said he would rather buy a company growing 20% a year with a PE Ratio of 20, instead of a company growing 10% a year with a PE Ratio of 10.

Because the PE Ratio measures how long it takes to earn back the price you pay, the PE Ratio can be applied to the stocks across different industries. That is why it is the one of the most important and widely used indicators for the valuation of stocks.

Similar to the PE Ratio without NRI or PS Ratio or Price-to-Operating-Cash-Flow or Price-to-Free-Cash-Flow , the PE Ratio measures the valuation based on the earning power of the company. This is where it is different from the PB Ratio , which measures the valuation based on the company's balance sheet.


Be Aware

Investors need to be aware that the PE Ratio can be misleading a lot of times, especially when the underlying business is cyclical and unpredictable. As Peter Lynch pointed out, cyclical businesses have higher profit margins at the peaks of the business cycles. Their earnings are high and PE Ratios are artificially low. It is usually a bad idea to buy a cyclical business when the PE Ratio is low. A better ratio to identify the time to buy a cyclical businesses is the PS Ratio.

PE Ratio can also be affected by non-recurring-items such as the sale of part of businesses. This may increase for the current year or quarter dramatically. But it cannot be repeated over and over. Therefore PE Ratio without NRI is a more accurate indication of valuation than PE Ratio.


PKO Bank Polski PE Ratio Related Terms


PKO Bank Polski PE Ratio Historical Data

* Premium members only.

The historical data trend for PKO Bank Polski's PE Ratio 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.

PKO Bank Polski PE Ratio Chart

PKO Bank Polski Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 11.52 11.43 11.44 8.03 9.96

PKO Bank Polski Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
PE Ratio Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 9.67 9.37 8.46 9.96 10.10

FRA:P9O vs PNC: PE Ratio Comparison

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

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

* The bar in red indicates where PKO Bank Polski's PE Ratio falls into.


FRA:P9O
77GF Score
PKO Bank Polski SA FRA:P9O
PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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PKO Bank Polski PE Ratio Calculation

The PE Ratio, or Price-to-Earnings ratio, or P/E Ratio, is a financial ratio used to compare a company's market price to its Earnings per Share (Diluted). It is the most widely used ratio in the valuation of stocks.

PKO Bank Polski's PE Ratio for today is calculated as

PE Ratio=Share Price/Earnings per Share (Diluted) (TTM)
=23.665/2.004
=11.81

PKO Bank Polski's Share Price of today is €23.665.
PKO Bank Polski's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €2.00.


* 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.

It can also be calculated from the numbers for the whole company:


There are at least three kinds of PE Ratios used by different investors. They are Trailing Twelve Month PE Ratio, Forward PE Ratio, or PE Ratio without NRI. A new PE Ratio based on inflation-adjusted normalized PE Ratio is called Shiller PE Ratio, after Yale professor Robert Shiller.

In the calculation of PE Ratio, the earnings per share used are the earnings per share over the past 12 months. For Forward PE Ratio, the earnings are the expected earnings for the next twelve months. In the case of PE Ratio without NRI, the reported earnings less the non-recurring items are used.

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. Since it looks at the average over the last 10 years, Shiller PE Ratio is also called PE10.

Frequently Asked Questions Learn more about PE Ratio →
What does a PE Ratio of 11.81 mean?
PKO Bank Polski (FRA:P9O) has a PE Ratio of 11.81 as of Jun. 28, 2026. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on PKO Bank Polski and its competitors. This is near median its historical median of 11.88. Over the past decade, PKO Bank Polski's PE Ratio has ranged from 6.57 to 19.18.
Is PKO Bank Polski's PE Ratio too high?
PKO Bank Polski's current PE Ratio of 11.81 is near median its 10-year median of 11.88. Over the past 10 years, this metric has ranged from a low of 6.57 to a high of 19.18. Overall, PKO Bank Polski has a GF Score™ of 77/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PKO Bank Polski's PE Ratio compare to PNC?
PKO Bank Polski's PE Ratio of 11.81 can be compared against companies in the Banks industry. Historically, PKO Bank Polski's own PE Ratio has ranged from 6.57 to 19.18 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PE Ratio for a Banks company?
A good PE Ratio depends on the Banks industry context. However, PE Ratio 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 PE Ratio mean?
A high PE Ratio can signal that a stock is expensive relative to its fundamentals. P/E ratio is the ratio of share price to a company's earnings per share. View historical data on PKO Bank Polski and its competitors. PKO Bank Polski's current PE Ratio is 11.81, which is near median its own 10-year median of 11.88. 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 €16.53, compared to a current price of €23.67 — trading 43.2% above its estimated fair value. The current PE Ratio is 11.81, which is near median its 10-year median of 11.88. PKO Bank Polski's overall GF Score™ is 77/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is PE Ratio calculated?
PE Ratio is calculated from a company's financial statements. For PKO Bank Polski (FRA:P9O), the current PE Ratio is 11.81 as of Jun. 28, 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 €23.67 is trading 43.2% above its estimated GF Value™ of €16.53. GuruFocus considers PKO Bank Polski to be Significantly Overvalued.

Key valuation signals for FRA:P9O:

  • PE Ratio: 11.81 (near median its 10-year median of 11.88)
  • GF Value™: €16.53 vs. price of €23.67 (43.2% above fair value)
  • GF Score™: 77/100 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.
77GF Score

Get the complete analysis for FRA:P9O

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

€23.67
Price
€16.53
GF Value