PSZKY (PKO Bank Polski) Scaled Net Operating Assets: 0.12 (As of Mar. 2026)


PSZKY PKO Bank Polski SA PSZKY
77 GF Score
Price $29.81
GF Value $20.92
Valuation Significantly Overvalued
! 7 Warning Signs
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What is PKO Bank Polski Scaled Net Operating Assets?

PKO Bank Polski PSZKY +10.20% 77 Scaled Net Operating Assets is 0.12 as of Mar. 2026. GuruFocus rates PSZKY with a GF Score™ of 77/100 and a GF Value™ of $20.92 (Significantly Overvalued). The stock has 7 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PKO Bank Polski's operating assets for the quarter that ended in Mar. 2026 was $151,036 Mil. PKO Bank Polski's operating liabilities for the quarter that ended in Mar. 2026 was $131,967 Mil. PKO Bank Polski's Total Assets for the quarter that ended in Dec. 2025 was $154,635 Mil. Therefore, PKO Bank Polski's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.12.

PSZKY
77GF Score
PKO Bank Polski SA PSZKY
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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PKO Bank Polski Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

PKO Bank Polski's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(148251.666-129017.98)/139292
=0.14

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=154635.137 - 6383.471
=148251.666

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=139119.882 - 10101.902 - 0
=129017.98

PKO Bank Polski's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(151036.048-131966.787)/154635.137
=0.12

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=157489.798 - 6453.75
=151036.048

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=141612.538 - 9645.751 - 0
=131966.787

* 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 Scaled Net Operating Assets of 0.12 mean?
PKO Bank Polski (PSZKY) has a Scaled Net Operating Assets of 0.12 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PKO Bank Polski and its competitors.
Is PKO Bank Polski's Scaled Net Operating Assets too high?
PKO Bank Polski's current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets compare to PNC?
PKO Bank Polski's Scaled Net Operating Assets of 0.12 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 Scaled Net Operating Assets for a Banks company?
A good Scaled Net Operating Assets depends on the Banks industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on PKO Bank Polski and its competitors. PKO Bank Polski's current Scaled Net Operating Assets is 0.12. 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 (PSZKY) is currently considered Significantly Overvalued. The stock's GF Value™ is $20.92, compared to a current price of $29.81 — trading 42.5% above its estimated fair value. The current Scaled Net Operating Assets is 0.12. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For PKO Bank Polski (PSZKY), the current Scaled Net Operating Assets is 0.12 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 (PSZKY) Overvalued in 2026?

Based on GuruFocus' analysis, PKO Bank Polski stock appears to be overvalued. The current stock price of $29.81 is trading 42.5% above its estimated GF Value™ of $20.92. GuruFocus considers PKO Bank Polski to be Significantly Overvalued.

Key valuation signals for PSZKY:

  • Scaled Net Operating Assets: 0.12
  • GF Value™: $20.92 vs. price of $29.81 (42.5% above fair value)
  • GF Score™: 77/100 with 7 warning signs

No single metric tells the full story. See the PSZKY 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

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$29.81
Price
$20.92
GF Value