Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Selling, general, & admin. expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. Bank Polska Kasa Opieki's selling, general, & admin. expense for the
three
months ended in Mar. 2026 was zł747 Mil.
Its selling, general, & admin. expense for the trailing twelve months (TTM) ended in Mar. 2026 was zł1,824 Mil.
Bank Polska Kasa Opieki (LTS:0DP0) Selling, General, & Admin. Expense Explanation
An efficient operation keeps SGA costs low and thus has higher profit margin. The percentage of SGA relative to total revenue is an indication of how efficiently the company operates. Compare this percentage among the companies in the same industry is a good way of finding more efficient operations. A comparison of the SGA cost relative to the revenue with the historical value can also be an indication of how efficient the company has become.
Warren Buffett likes companies with consistent SGA as the percentage of gross profit.
Companies with no durable competitive advantage show wild variation in SG&A as % of Gross Profit.
If SGA is less than 30% of Gross Profit, it is fantastic. If SGA is nearing 100%, it is is in highly competitive industry.
Bank Polska Kasa Opieki Selling, General, & Admin. Expense Related Terms
Bank Polska Kasa Opieki Selling, General, & Admin. Expense Historical Data
* Premium members only.
The historical data trend for Bank Polska Kasa Opieki's Selling, General, & Admin. Expense 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.
Bank Polska Kasa Opieki Selling, General, & Admin. Expense Chart
LTS:0DP0 vs PNC: Selling, General, & Admin. Expense Comparison
For the Banks - Regional subindustry, Bank Polska Kasa Opieki's Selling, General, & Admin. Expense, along with its competitors' market caps and Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense vs Banks Industry
For the Banks industry and Financial Services sector, Bank Polska Kasa Opieki's Selling, General, & Admin. Expense distribution charts can be found below:
* The bar in red indicates where Bank Polska Kasa Opieki's Selling, General, & Admin. Expense falls into.
Bank Polska Kasa Opieki Selling, General, & Admin. Expense Calculation
Selling, General, & Admin. Expense (SGA) includes the direct and indirect costs and all general and administrative expenses of a company. For instance, personnel cost, advertising, rent, communication costs are all part of SGA.
Selling, General, & Admin. Expense 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 zł1,824 Mil.
* 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.
What does a Selling, General, & Admin. Expense of zł1,824 Mil mean?
Bank Polska Kasa Opieki (LTS:0DP0) has a Selling, General, & Admin. Expense of zł1,824 Mil as of Mar. 2026. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Bank Polska Kasa Opieki and its competitors.
Is Bank Polska Kasa Opieki's Selling, General, & Admin. Expense too high?
Bank Polska Kasa Opieki's current Selling, General, & Admin. Expense is zł1,824 Mil. 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 Selling, General, & Admin. Expense compare to PNC?
Bank Polska Kasa Opieki's Selling, General, & Admin. Expense of zł1,824 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Selling, General, & Admin. Expense for a Banks company?
A good Selling, General, & Admin. Expense depends on the Banks industry context. However, Selling, General, & Admin. Expense 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 Selling, General, & Admin. Expense mean?
A high Selling, General, & Admin. Expense can signal that a stock is expensive relative to its fundamentals. Selling, general and admin expense is the total cost for direct, indirect, general and administrative activities. View historical data on Bank Polska Kasa Opieki and its competitors. Bank Polska Kasa Opieki's current Selling, General, & Admin. Expense is zł1,824 Mil. 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 (LTS:0DP0) is currently considered Modestly Overvalued. The stock's GF Value™ is zł45.27, compared to a current price of zł54.45 — trading 20.3% above its estimated fair value. The current Selling, General, & Admin. Expense is zł1,824 Mil. 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 Selling, General, & Admin. Expense calculated?
Selling, General, & Admin. Expense is calculated from a company's financial statements. For Bank Polska Kasa Opieki (LTS:0DP0), the current Selling, General, & Admin. Expense is zł1,824 Mil 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 (LTS:0DP0) Overvalued in 2026?
Based on GuruFocus' analysis, Bank Polska Kasa Opieki stock appears to be overvalued.
The current stock price of zł54.45 is trading 20.3% above its estimated GF Value™ of zł45.27.
GuruFocus considers Bank Polska Kasa Opieki to be Modestly Overvalued.
Key valuation signals for LTS:0DP0:
Selling, General, & Admin. Expense: zł1,824 Mil
GF Value™: zł45.27 vs. price of zł54.45 (20.3% above fair value)
No single metric tells the full story. See the LTS:0DP0 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
Get the complete analysis for LTS:0DP0
Selling, General, & Admin. Expense is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LTS:0DP0 has been successfully added to your 
