PKO Bank PolskiPSZKF -1.11%71 ROA % is 1.71% as of Mar. 2026, which is 43% above its 10-year median of 1.20. 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 1,529 Banks companies, PKO Bank Polski ranks better than 87.18% on this metric.
ROA % is calculated as Net Income divided by its average Total Assets over a certain period of time. PKO Bank Polski's annualizedNet Income for the quarter that ended in Mar. 2026 was $2,745 Mil.
PKO Bank Polski's average Total Assets over the quarter that ended in Mar. 2026 was $160,142 Mil. Therefore, PKO Bank Polski's annualized ROA % for the quarter that ended in Mar. 2026 was 1.71%.
The historical rank and industry rank for PKO Bank Polski's ROA % or its related term are showing as below:
PSZKF'
s ROA % Range Over the Past 10 Years
Min: -0.71 Med: 1.2 Max: 1.93
Current: 1.91
During the past 13 years, PKO Bank Polski's highest ROA % was 1.93%. The lowest was -0.71%. And the median was 1.20%.
PSZKF's ROA % is ranked better than 87.18% of 1529
companies
in the Banks industry
Industry Median: 0.98
vs PSZKF: 1.91
PKO Bank Polski (OTCPK:PSZKF) ROA % Explanation
ROA % measures the rate of return on the total assets (shareholder equity plus liabilities). It measures a firm's efficiency at generating profits from shareholders' equity plus its liabilities. ROA % shows how well a company uses what it has to generate earnings. ROA %s can vary drastically across industries. Therefore, ROA % should not be used to compare companies in different industries. For retailers, a ROA % of higher than 5% is expected. For example, Wal-Mart (WMT) has a ROA % of about 8% as of 2012. For banks, ROA % is close to their interest spread. A banks ROA % is typically well under 2%.
Similar to ROE, ROA % is affected by profit margins and asset turnover. This can be seen from the Du Pont Formula:
Note:
The Net Income data used here is four times the quarterly (Mar. 2026) net income data. The Revenue data used here is four times the quarterly (Mar. 2026) revenue data.
* 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.
Be Aware
Like ROE, ROA % is calculated with only 12 months data. Fluctuations in the company's earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. ROA % can be affected by events such as stock buyback or issuance, and by goodwill, a company's tax rate and its interest payment. ROA % may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).
Many analysts argue the higher return the better. Buffett states that really high ROA % may indicate vulnerability in the durability of the competitive advantage.
E.g. Raising $43b to take on KO is impossible, but $1.7b to take on Moody's is. Although Moody's ROA % and underlying economics is far superior to Coca Cola, the durability is far weaker because of lower entry cost.
PKO Bank Polski ROA % Related Terms
PKO Bank Polski ROA % Historical Data
* Premium members only.
The historical data trend for PKO Bank Polski's ROA % 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 ROA %, along with its competitors' market caps and ROA % 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 ROA % vs Banks Industry
For the Banks industry and Financial Services sector, PKO Bank Polski's ROA % distribution charts can be found below:
* The bar in red indicates where PKO Bank Polski's ROA % 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 ROA %, the net income of the last fiscal year and the average total assets 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.
ROA % is displayed in the 30-year financial page.
PKO Bank Polski (PSZKF) has a ROA % of 1.71% as of Mar. 2026. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PKO Bank Polski and its competitors. This is 43% above median its historical median of 1.20. According to the industry distribution chart, PKO Bank Polski ranks #196 out of 1529 companies in the Banks industry, placing it in the top 12.8%.
Is PKO Bank Polski's ROA % too high?
PKO Bank Polski's current ROA % of 1.71% is 43% above median its 10-year median of 1.20. The Banks industry median ROA % is 0.98. PKO Bank Polski's value of 1.71% is 74.5% above this industry median. Based on the distribution chart, PKO Bank Polski ranks #196 out of 1529 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 ROA % compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #196 out of 1529 companies for ROA %. This places PKO Bank Polski in the top 13% of its industry — outperforming the majority of peers. The industry median ROA % is 0.98. PKO Bank Polski's value of 1.71% is 74.5% above this benchmark. While the company's 10-year median is 1.20 vs. the industry median of 0.98, 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 ROA % for a Banks company?
The median ROA % among Banks companies is 0.98, based on 1,529 companies in the industry. Companies in the top quartile (top 25%) have a ROA % significantly above this median, while those in the bottom quartile fall well below. However, ROA % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PKO Bank Polski's current ROA % of 1.71% is 74.5% 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 ROA % mean?
A high ROA % can signal that a stock is expensive relative to its fundamentals. Return on assets is the ratio of current-period net income to average two-period total assets. View historical data on PKO Bank Polski and its competitors. For the Banks industry, the median ROA % is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PKO Bank Polski's current ROA % is 1.71%, which is 43% above median its own 10-year median of 1.20. 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 ROA % is 1.71%, which is 43% above median its 10-year median of 1.20 and 74.5% above the Banks industry median of 0.98. 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 ROA % calculated?
ROA % is calculated from a company's financial statements. For PKO Bank Polski (PSZKF), the current ROA % is 1.71% 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:
ROA %: 1.71% (43% above median its 10-year median of 1.20)
GF Value™: $20.25 vs. price of $26.62 (31.5% above fair value)
Industry Position: 74.5% above the Banks median (#196 of 1529)
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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