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PKO Bank PolskiSTU:P90 +1.11%75 Return-on-Tangible-Equity is 18.33% as of Mar. 2026, which is 69% above its 10-year median of 10.85. GuruFocus rates STU:P90 with a GF Score™ of 75/100 and a GF Value™ of €16.32 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, PKO Bank Polski ranks better than 90.17% on this metric.
Return-on-Tangible-Equity is calculated as Net Income divided by its average total shareholder tangible equity. Total shareholder tangible equity equals to Total Stockholders Equity minus Intangible Assets. PKO Bank Polski's annualized net income for the quarter that ended in Mar. 2026 was €2,302 Mil. PKO Bank Polski's average shareholder tangible equity for the quarter that ended in Mar. 2026 was €12,559 Mil. Therefore, PKO Bank Polski's annualized Return-on-Tangible-Equity for the quarter that ended in Mar. 2026 was 18.33%.
The historical rank and industry rank for PKO Bank Polski's Return-on-Tangible-Equity or its related term are showing as below:
STU:P90'
s Return-on-Tangible-Equity Range Over the Past 10 Years
Min: -6.81 Med: 10.85 Max: 20.83
Current: 20.61
During the past 13 years, PKO Bank Polski's highest Return-on-Tangible-Equity was 20.83%. The lowest was -6.81%. And the median was 10.85%.
STU:P90's Return-on-Tangible-Equity is ranked better than 90.17% of 1526
companies
in the Banks industry
Industry Median: 11.205
vs STU:P90: 20.61
PKO Bank Polski (STU:P90) Return-on-Tangible-Equity Explanation
Return-on-Tangible-Equity measures the rate of return on the ownership interest (shareholder's tangible equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' tangible equity (shareholders equity minus intangibles). Return-on-Tangible-Equity shows how well a company uses investment funds to generate earnings growth. Return-on-Tangible-Equitys between 15% and 20% are considered desirable.
Be Aware
Net Income is used.
Because a company can increase its Return-on-Tangible-Equity by having more financial leverage, it is important to watch the leverage ratio when investing in high Return-on-Tangible-Equity companies. Like Return-on-Tangible-Asset, Return-on-Tangible-Equity is calculated with only 12 months data. Fluctuations in company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective.
Asset light businesses require very few assets to generate very high earnings. Their Return-on-Tangible-Equitys can be extremely high.
PKO Bank Polski Return-on-Tangible-Equity Related Terms
PKO Bank Polski Return-on-Tangible-Equity Historical Data
* Premium members only.
The historical data trend for PKO Bank Polski's Return-on-Tangible-Equity 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.
STU:P90 vs PNC: Return-on-Tangible-Equity Comparison
For the Banks - Regional subindustry, PKO Bank Polski's Return-on-Tangible-Equity, along with its competitors' market caps and Return-on-Tangible-Equity 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 Return-on-Tangible-Equity vs Banks Industry
For the Banks industry and Financial Services sector, PKO Bank Polski's Return-on-Tangible-Equity distribution charts can be found below:
* The bar in red indicates where PKO Bank Polski's Return-on-Tangible-Equity 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.
In the calculation of annual Return-on-Tangible-Equity, the net income of the last fiscal year and the average total shareholder tangible equity over the fiscal year are used. In calculating the quarterly data,
the net income data used here is four times the quarterly (Mar. 2026) net income data.
Return-on-Tangible-Equity is displayed in the 10-year financial page.
What does a Return-on-Tangible-Equity of 18.33% mean?
PKO Bank Polski (STU:P90) has a Return-on-Tangible-Equity of 18.33% as of Mar. 2026. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PKO Bank Polski and its competitors. This is 69% above median its historical median of 10.85. According to the industry distribution chart, PKO Bank Polski ranks #150 out of 1526 companies in the Banks industry, placing it in the top 9.8%.
Is PKO Bank Polski's Return-on-Tangible-Equity too high?
PKO Bank Polski's current Return-on-Tangible-Equity of 18.33% is 69% above median its 10-year median of 10.85. The Banks industry median Return-on-Tangible-Equity is 11.21. PKO Bank Polski's value of 18.33% is 63.6% above this industry median. Based on the distribution chart, PKO Bank Polski ranks #150 out of 1526 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 75/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does PKO Bank Polski's Return-on-Tangible-Equity compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #150 out of 1526 companies for Return-on-Tangible-Equity. This places PKO Bank Polski in the top 10% of its industry — outperforming the majority of peers. The industry median Return-on-Tangible-Equity is 11.21. PKO Bank Polski's value of 18.33% is 63.6% above this benchmark. While the company's 10-year median is 10.85 vs. the industry median of 11.21, 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 Return-on-Tangible-Equity for a Banks company?
The median Return-on-Tangible-Equity among Banks companies is 11.21, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Equity significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PKO Bank Polski's current Return-on-Tangible-Equity of 18.33% is 63.6% 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 Return-on-Tangible-Equity mean?
A high Return-on-Tangible-Equity can signal that a stock is expensive relative to its fundamentals. Return on tangible equity is the ratio of current-period net income to average two-period tangible equity. View historical data on PKO Bank Polski and its competitors. For the Banks industry, the median Return-on-Tangible-Equity is 11.21 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PKO Bank Polski's current Return-on-Tangible-Equity is 18.33%, which is 69% above median its own 10-year median of 10.85. 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 (STU:P90) is currently considered Significantly Overvalued. The stock's GF Value™ is €16.32, compared to a current price of €25.88 — trading 58.6% above its estimated fair value. The current Return-on-Tangible-Equity is 18.33%, which is 69% above median its 10-year median of 10.85 and 63.6% above the Banks industry median of 11.21. PKO Bank Polski's overall GF Score™ is 75/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Equity calculated?
Return-on-Tangible-Equity is calculated from a company's financial statements. For PKO Bank Polski (STU:P90), the current Return-on-Tangible-Equity is 18.33% 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 (STU:P90) Overvalued in 2026?
Based on GuruFocus' analysis, PKO Bank Polski stock appears to be overvalued.
The current stock price of €25.88 is trading 58.6% above its estimated GF Value™ of €16.32.
GuruFocus considers PKO Bank Polski to be Significantly Overvalued.
Key valuation signals for STU:P90:
Return-on-Tangible-Equity: 18.33% (69% above median its 10-year median of 10.85)
GF Value™: €16.32 vs. price of €25.88 (58.6% above fair value)
Industry Position: 63.6% above the Banks median (#150 of 1526)
No single metric tells the full story. See the STU:P90 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.
75GF Score
Get the complete analysis for STU:P90
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