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Bank Polska Kasa

WSE:PEO · PLPEKAO00016
BanksMedium

360

58
Profit price69
Cash yield87
Price/Sales27
EV / Gross Profit59
Price/Book16
Returns on capital96
Profit margins—
Cash Conversion53
Accruals25
Owner Earnings Margin76
Sales growth16
Profit Growth62
Long-Term EPS Growth17
Owner Earnings Growth20
Reinvestment44
Price momentum40
Debt load60
Debt serviceability26
Liquidity21
Analyst ratings41
Opinion Changes50
Price Target Upside39
Market mood60
Value Creation13/20creating some value
  • 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

Bank Polska Kasa clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryPoland
IndustryBanks
SizeMedium
TypePublic Company
ExchangeWSE
Founded1929
Employees4,861
Websitepekao.com.pl
ISINPLPEKAO00016
Last UpdateApr 2, 2026
Indices
Sound Pay Practices (Europe)WIG 20 (Poland)
Themes
BankingFinanceFinancial ExchangesFinancial ServicesWealth Management

Description

Bank Polska Kasa Opieki S.A., together with its subsidiaries, offers a range of banking services to retail and institutional customers in Poland. The bank holds a leadership position in servicing domestic financial institutions, focusing on providin…

Analysis

Quality compounder

Bank Polska Kasa Opieki S.A. is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 9.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone. At today's price, the market is assuming roughly -4% yearly growth; analysts expect 3%. The price, in other words, assumes less than the experts do.

The trajectory is tepid and the balance sheet is adequate. The company scores 13/20 on our value-creation score: creating some value.

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

360° rank · history

1007550250
20
2023202420252026

All-time high

60

Apr 2024

All-time low

14

Nov 2024

Average rank

33

across all years

Detailed & Historical Ranks

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

Current202520242023
Price/Sales
27
33
27
21
Price/Earnings
13
43
36
13
Price/Book
16
19
19
19
Dividend Yield
87
90
98
92
Value (overall)
24
47
59
47

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 →