PKO Bank PolskiPSZKF -1.11%71 ROE % is 17.04% as of Mar. 2026, which is 71% above its 10-year median of 9.96. 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 1,524 Banks companies, PKO Bank Polski ranks better than 90.49% on this metric.
The historical rank and industry rank for PKO Bank Polski's ROE % or its related term are showing as below:
PSZKF'
s ROE % Range Over the Past 10 Years
Min: -6.27 Med: 9.96 Max: 19.27
Current: 19.1
During the past 13 years, PKO Bank Polski's highest ROE % was 19.27%. The lowest was -6.27%. And the median was 9.96%.
PSZKF's ROE % is ranked better than 90.49% of 1524
companies
in the Banks industry
Industry Median: 10.22
vs PSZKF: 19.10
PKO Bank Polski (OTCPK:PSZKF) ROE % Explanation
ROE % measures the rate of return on the ownership interest (shareholder's equity) of the common stock owners. It measures a firm's efficiency at generating profits from every unit of shareholders' equity (also known as net assets or assets minus liabilities). ROE % shows how well a company uses investment funds to generate earnings growth. ROE %s between 15% and 20% are considered desirable.
The factors that affect a company's ROE % can be illustrated with the three-step DuPont Analysis:
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. The same rule applies to Pre-Tax Income and Operating Income.
* In the five-step DuPont Analysis, Operating Income is only available for non-financial companies. Thus, for Insurance companies, we use EBIT as a substitution of Operating Income. For Banks, both Operating Income and EBIT is unavailable. Thus we combined Interest Burden and Operating Margin % into Pretax Margin %, and the DuPont Analysis is divided into four components instead.
* 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
Net Income is used.
Because a company can increase its ROE % by having more financial leverage, it is important to watch the equity multiplier when investing in high ROE % companies. Like ROA %, ROE % 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 ROE %s can be extremely high.
PKO Bank Polski ROE % Related Terms
PKO Bank Polski ROE % Historical Data
* Premium members only.
The historical data trend for PKO Bank Polski's ROE % 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 ROE %, along with its competitors' market caps and ROE % 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 ROE % vs Banks Industry
For the Banks industry and Financial Services sector, PKO Bank Polski's ROE % distribution charts can be found below:
* The bar in red indicates where PKO Bank Polski's ROE % 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 ROE %, the net income of the last fiscal year and the average total shareholder 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.
ROE % is displayed in the 30-year financial page.
PKO Bank Polski (PSZKF) has a ROE % of 17.04% as of Mar. 2026. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PKO Bank Polski and its competitors. This is 71% above median its historical median of 9.96. According to the industry distribution chart, PKO Bank Polski ranks #145 out of 1524 companies in the Banks industry, placing it in the top 9.5%.
Is PKO Bank Polski's ROE % too high?
PKO Bank Polski's current ROE % of 17.04% is 71% above median its 10-year median of 9.96. The Banks industry median ROE % is 10.22. PKO Bank Polski's value of 17.04% is 66.7% above this industry median. Based on the distribution chart, PKO Bank Polski ranks #145 out of 1524 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 ROE % compare to PNC?
According to the Banks industry distribution chart, PKO Bank Polski ranks #145 out of 1524 companies for ROE %. This places PKO Bank Polski in the top 10% of its industry — outperforming the majority of peers. The industry median ROE % is 10.22. PKO Bank Polski's value of 17.04% is 66.7% above this benchmark. While the company's 10-year median is 9.96 vs. the industry median of 10.22, 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 ROE % for a Banks company?
The median ROE % among Banks companies is 10.22, based on 1,524 companies in the industry. Companies in the top quartile (top 25%) have a ROE % significantly above this median, while those in the bottom quartile fall well below. However, ROE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. PKO Bank Polski's current ROE % of 17.04% is 66.7% 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 ROE % mean?
A high ROE % can signal that a stock is expensive relative to its fundamentals. Return on equity is the ratio of current-period net income to average two-period total equity. View historical data on PKO Bank Polski and its competitors. For the Banks industry, the median ROE % is 10.22 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. PKO Bank Polski's current ROE % is 17.04%, which is 71% above median its own 10-year median of 9.96. 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 ROE % is 17.04%, which is 71% above median its 10-year median of 9.96 and 66.7% above the Banks industry median of 10.22. 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 ROE % calculated?
ROE % is calculated from a company's financial statements. For PKO Bank Polski (PSZKF), the current ROE % is 17.04% 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:
ROE %: 17.04% (71% above median its 10-year median of 9.96)
GF Value™: $20.25 vs. price of $26.62 (31.5% above fair value)
Industry Position: 66.7% above the Banks median (#145 of 1524)
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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