(PKO) Powszechna Kasa - Ratings and Ratios
Banking Services, Loans, Investments, Accounts, Cards
PKO EPS (Earnings per Share)
PKO Revenue
Description: PKO Powszechna Kasa
Powszechna Kasa Oszczednosci Bank Polski SA (PKO) is a leading Polish bank offering a diverse range of banking products and services across three main segments: Retail, Corporate and Investment, and Transfer Center and Other. The banks comprehensive suite of services includes account management, investment products, credit and debit cards, private banking, and various loan options for individuals and businesses.
PKOs business scope extends to cash management, trade finance, securities safekeeping, and currency products, as well as financing large projects and engaging in investment and brokerage activities. The bank also manages investment and pension funds, offers insurance products, and is involved in real estate development and management, debt collection, and fleet management. With a history dating back to 1919, PKO is headquartered in Warsaw, Poland, and has established itself as a significant player in the Polish banking sector.
From a performance perspective, PKO has demonstrated strong profitability, with a Return on Equity (RoE) of 18.97%, indicating effective utilization of shareholder capital. The banks Price-to-Earnings (P/E) ratio stands at 9.90, with a forward P/E of 5.95, suggesting potential for future earnings growth. With a market capitalization of 96.15 billion PLN, PKO is one of the largest banks in Poland, underscoring its market presence and influence.
Key Performance Indicators (KPIs) such as the banks efficiency ratio, net interest margin, and loan-to-deposit ratio would provide further insights into PKOs operational efficiency and financial health. Additionally, metrics like the non-performing loan ratio and capital adequacy ratio would be crucial in assessing the banks asset quality and capital strength. These KPIs are essential for investors seeking to evaluate PKOs performance and potential for future growth.
PKO Stock Overview
| Market Cap in USD | 24,888m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
PKO Stock Ratings
| Growth Rating | 91.3% |
| Fundamental | 77.7% |
| Dividend Rating | 79.8% |
| Return 12m vs S&P 500 | 12.4% |
| Analyst Rating | - |
PKO Dividends
| Dividend Yield 12m | 8.05% |
| Yield on Cost 5y | 31.82% |
| Annual Growth 5y | 28.36% |
| Payout Consistency | 51.4% |
| Payout Ratio | 68.2% |
PKO Growth Ratios
| Growth Correlation 3m | 19.5% |
| Growth Correlation 12m | 89.8% |
| Growth Correlation 5y | 79.5% |
| CAGR 5y | 49.93% |
| CAGR/Max DD 3y | 1.91 |
| CAGR/Mean DD 3y | 13.49 |
| Sharpe Ratio 12m | 0.40 |
| Alpha | 0.01 |
| Beta | 0.868 |
| Volatility | 34.95% |
| Current Volume | 2128.8k |
| Average Volume 20d | 2930.7k |
| Stop Loss | 67 (-4.3%) |
| Signal | -0.84 |
Piotroski VR‑10 (Strict, 0-10) 3.0
| Net Income (10.04b TTM) > 0 and > 6% of Revenue (6% = 1.84b TTM) |
| FCFTA 0.01 (>2.0%) and ΔFCFTA -3.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.01 (>3.0%) and CFO 5.09b <= Net Income 10.04b (YES >=105%, WARN >=100%) |
| Net Debt (1.45b) to EBITDA (19.58b) ratio: 0.07 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (1.25b) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 100.0%; Δ 0.0pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.82% (prev 5.23%; Δ 0.60pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.05 (EBITDA TTM 19.58b / Interest Expense TTM 9.54b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 77.70
| 1. Piotroski 3.0pt = -2.0 |
| 2. FCF Yield 6.41% = 3.21 |
| 3. FCF Margin 12.54% = 3.14 |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC (= 17.51)% = 12.50 |
| 7. RoE 19.11% = 1.59 |
| 8. Rev. Trend 77.51% = 5.81 |
| 9. EPS Trend 69.05% = 3.45 |
What is the price of PKO shares?
Over the past week, the price has changed by -1.66%, over one month by -15.18%, over three months by +6.54% and over the past year by +33.20%.
Is Powszechna Kasa a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PKO is around 93.33 PLN . This means that PKO is currently undervalued and has a potential upside of +33.37% (Margin of Safety).
Is PKO a buy, sell or hold?
What are the forecasts/targets for the PKO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 88.7 | 26.7% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 104.8 | 49.8% |
PKO Fundamental Data Overview
Market Cap PLN = 89.85b (89.85b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 29.76b PLN (Cash only, last quarter)
P/E Trailing = 8.9626
P/E Forward = 5.9453
P/S = 3.099
P/B = 1.7298
Beta = 0.945
Revenue TTM = 30.71b PLN
EBIT TTM = 19.58b PLN
EBITDA TTM = 19.58b PLN
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 1.45b PLN (from netDebt column, last quarter)
Enterprise Value = 60.09b PLN (89.85b + (null Debt) - CCE 29.76b)
Interest Coverage Ratio = 2.05 (Ebit TTM 19.58b / Interest Expense TTM 9.54b)
FCF Yield = 6.41% (FCF TTM 3.85b / Enterprise Value 60.09b)
FCF Margin = 12.54% (FCF TTM 3.85b / Revenue TTM 30.71b)
Net Margin = 32.69% (Net Income TTM 10.04b / Revenue TTM 30.71b)
Gross Margin = unknown ((Revenue TTM 30.71b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 3.65 (Enterprise Value 60.09b / Book Value Of Equity 16.46b)
Interest Expense / Debt = unknown (Interest Expense 2.33b / Debt none)
Taxrate = 26.90% (3.42b / 12.73b)
NOPAT = 14.31b (EBIT 19.58b * (1 - 26.90%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = unknown Debt (none)
Debt / EBITDA = unknown (Net Debt 1.45b / EBITDA 19.58b)
Debt / FCF = none (Debt none / FCF TTM 3.85b)
Total Stockholder Equity = 52.54b (last 4 quarters mean)
RoA = 1.83% (Net Income 10.04b, Total Assets 547.30b )
RoE = 19.11% (Net Income TTM 10.04b / Total Stockholder Equity 52.54b)
RoCE = unknown (Ebit 19.58b / (Equity 52.54b + L.T.Debt none))
RoIC = 17.51% (NOPAT 14.31b / Invested Capital 81.75b)
WACC = unknown (E(89.85b)/V(0.0) * Re(9.21%)) + (D(none)/V(0.0) * Rd(none%) * (1-Tc(0.27)))
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Discount Rate = 9.21% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 72.47% ; FCFE base≈11.29b ; Y1≈10.27b ; Y5≈9.02b
Fair Price DCF = 106.3 (DCF Value 132.86b / Shares Outstanding 1.25b; 5y FCF grow -11.25% → 3.0% )
EPS Correlation: 69.05 | EPS CAGR: 162.3% | SUE: 0.34 | # QB: 0
Revenue Correlation: 77.51 | Revenue CAGR: 56.09% | SUE: 0.47 | # QB: 0