Obermatt

Powszechna Kasa Oszczednosci Bank Polski

WSE:PKO · PLPKO0000016
BanksSmall

360

68
Profit price60
Cash yield77
Price/Sales22
EV / Gross Profit66
Price/Book14
Returns on capital83
Profit margins
Cash Conversion39
Accruals13
Owner Earnings Margin42
Sales growth60
Profit Growth84
Long-Term EPS Growth96
Owner Earnings Growth72
Reinvestment34
Price momentum78
Debt load58
Debt serviceability8
Liquidity25
Analyst ratings78
Opinion Changes66
Price Target Upside35
Market mood31
Value Creation17/20strong value creator
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Powszechna Kasa Oszczednosci Bank Polski generates returns well above its cost of capital, the foundation of durable shareholder value.

Based on 3/5 components.

Profile

CountryPoland
IndustryBanks
SizeSmall
TypePublic Company
ExchangeWSE
Founded2001
Employees6,694
Websitepkobp.pl
ISINPLPKO0000016
Last UpdateApr 2, 2026

Description

Analysis

Quality compounder

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna earns the quality_compounder label: good underlying economics priced fairly, with no obvious bargain or excess.

On valuation, the picture is attractive. The owner-earnings multiple stands at 12.4×; owner earnings: the cash an owner could take out each year. The implied growth embedded in that price is around -0% a year, against analyst forecasts of 20%. The price, in other words, assumes less than the experts do.

Growth is moderate; the safety picture is stretched. The company scores 17/20 on our value-creation score: strong value creator.

Flags to be aware of: Some accounting patterns deserve a closer look. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
40
2023202420252026

All-time high

94

Sep 2025

All-time low

11

Jan 2023

Average rank

60

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
22
27
20
25
Price/Earnings
22
36
23
30
Price/Book
14
7
10
14
Dividend Yield
77
85
94
61
Value (overall)
22
35
43
22

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →