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Bank Polska Kasa Opieki S.A. (PEO) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Bank Polska Kasa Opieki S.A.

PEOMarket cap $19BPrice $71.2

Country🇵🇱Poland

SectorFinancials

IndustryBanks

Runs one of Poland's largest banking networks, serving millions of retail and corporate clients with loans, deposits, and wealth management. Born from a bank founded to serve Polish emigrants abroad, it's now a domestic financial powerhouse.

In Bastion Portfolios?

52W Return+40%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+28%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+6%–

Rev CAGR (5y)+3%2

Earnings Forecast

EPS Growth Y+1-21%2

EPS Growth Y+2+16%8

EPS Growth Y+3+8%6

Quality

Margins

EBIT Margin0%8

Net Income Margin40%10

Free Cash Flow Margin-4%2

Debt

Net Debt/EBITDAna–

Efficiency

ROE20%8

ROA2%4

Earnings Stability55

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)118

P/E Ratio (Forward 3y)108

P/BV2.26

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%9

Dividend Yield7.2%10

Momentum

Short term

1 month return+3%9

3 month return+18%9

YTD return+46%9

Mid term

Price vs 52wHigh97%10

1 year return+63%9

Long term

3 year return+248%9

5 year return+251%9

Risk Shield

Price Risk

Beta0.86

Volatility26%8

Free Cash Flow

Free Cash Flow Margin-4%2

Free Cash Flow Yield0.0%9

Quality

ROCE13%4

Earnings Stability55

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

PEOBank Polska Kasa Opieki S.A.

Revenue FY25$4.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+28%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+3%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-21%2

EPS growth, FY27E+16%8

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 28%/yr over the last 3 years; forecasts see it cooling to 6%/yr.

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 6%/yr). One year dips: EPS falls 21% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 6%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 3%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

PEOBank Polska Kasa Opieki S.A.

Total return Current300%

Price return Current137%

MOMENTUM RATING↗

VERY STRONG97 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+3%9

3-month return+18%9

YTD return+46%9

MID & LONG-TERM▾SCORE

% of 52-week high97%10

1-year return+63%9

3-year return+248%9

5-year return+251%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +248% over three years and +251% over five, ahead of 80% of the market.

It's up 63% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+3%), over three months (+18%) and so far this year (+46%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Polska Kasa Opieki. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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Loading charts…

02Growth

Is it actually growing, and how fast?

PEOBank Polska Kasa Opieki S.A.

Revenue FY25$4.5B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+28%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+6%–

Revenue, next 5Y, CAGR+3%2

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-21%2

EPS growth, FY27E+16%8

EPS growth, FY28E+8%6

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue grew 28%/yr over the last 3 years; forecasts see it cooling to 6%/yr.

Earnings are set to grow in step with sales (EPS about 8%/yr vs revenue 6%/yr). One year dips: EPS falls 21% next year.

WEAKNESSES

Growth is the weak spot here, trailing 100% of companies worldwide.

Revenue is set to grow 6%/yr over the next 3 years, behind most of the market.2/10

Over five years revenue is set to grow 3%/yr, behind 80% of companies worldwide.2/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

PEOBank Polska Kasa Opieki S.A.

Total return Current300%

Price return Current137%

MOMENTUM RATING↗

VERY STRONG97 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+3%9

3-month return+18%9

YTD return+46%9

MID & LONG-TERM▾SCORE

% of 52-week high97%10

1-year return+63%9

3-year return+248%9

5-year return+251%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +248% over three years and +251% over five, ahead of 80% of the market.

It's up 63% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+3%), over three months (+18%) and so far this year (+46%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Bank Polska Kasa Opieki. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community