Loading stock…

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

PKOMarket cap $40BPrice $31.6

Country🇵🇱Poland

SectorFinancials

IndustryBanks

Runs Poland's largest bank by assets, serving nearly every fourth Polish household through everyday banking, mortgages, and insurance. Its retail dominance makes it a bellwether for Poland's entire consumer economy and credit cycle.

In Bastion Portfolios?

52W Return+54%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+31%–

Revenue Forecast

Rev CAGR (1y)na–

Rev CAGR (3y)+7%–

Rev CAGR (5y)+6%5

Earnings Forecast

EPS Growth Y+1-7%3

EPS Growth Y+2+25%8

EPS Growth Y+3+11%7

Quality

Margins

EBIT Margin0%8

Net Income Margin37%9

Free Cash Flow Margin-159%1

Debt

Net Debt/EBITDAna–

Efficiency

ROE20%8

ROA2%4

Earnings Stability77

GEAR+

Not enough data to calculate the GEAR+ rating.

Value

Price Multiples

P/E Ratio (Forward)137

P/E Ratio (Forward 3y)107

P/BV2.75

EV Multiples

EV/EBITDA Fwd07

EV/EBIT Fwd07

Yield

Free Cash Flow Yield0.0%7

Dividend Yield5.0%9

Momentum

Short term

1 month return+4%9

3 month return+23%10

YTD return+51%9

Mid term

Price vs 52wHigh98%10

1 year return+75%10

Long term

3 year return+310%10

5 year return+247%9

Risk Shield

Price Risk

Beta0.76

Volatility25%8

Free Cash Flow

Free Cash Flow Margin-159%1

Free Cash Flow Yield0.0%7

Quality

ROCE16%4

Earnings Stability77

Net Debt/EBITDAna–

02Growth

Is it actually growing, and how fast?

PKOPowszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

Revenue FY25$7.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+31%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-7%3

EPS growth, FY27E+25%8

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Revenue grew 31%/yr over the last 3 years; forecasts see it cooling to 7%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 7%/yr). One year dips: EPS falls 7% next year.

WEAKNESSES

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

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

PKOPowszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

Total return Current474%

Price return Current371%

MOMENTUM RATING↗

VERY STRONG99 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+4%9

3-month return+23%10

YTD return+51%9

MID & LONG-TERM▾SCORE

% of 52-week high98%10

1-year return+75%10

3-year return+310%10

5-year return+247%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +310% over three years and +247% over five, ahead of 90% of the market.

It's up 75% 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 (+4%), over three months (+23%) and so far this year (+51%).

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 Powszechna Kasa. 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

Loading charts…

02Growth

Is it actually growing, and how fast?

PKOPowszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

Revenue FY25$7.0B

GROWTH RATING↗

——

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+31%–

Revenue, next 1Yna–

Revenue, next 3Y, CAGR+7%–

Revenue, next 5Y, CAGR+6%5

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-7%3

EPS growth, FY27E+25%8

EPS growth, FY28E+11%7

GROWTH ASSESSMENT

STRENGTHS

None flagged.

WATCH

Revenue is set to grow 7%/yr over the next 3 years, in line with the market.5/10

Revenue grew 31%/yr over the last 3 years; forecasts see it cooling to 7%/yr.

Over five years revenue is set to grow 6%/yr, about average versus companies worldwide.5/10

Earnings are set to grow in step with sales (EPS about 11%/yr vs revenue 7%/yr). One year dips: EPS falls 7% next year.

WEAKNESSES

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

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business that is slowing. The one thing to watch: forward revenue growth is only about average.

03Price Momentum

Is the market behind it right now?

PKOPowszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

Total return Current474%

Price return Current371%

MOMENTUM RATING↗

VERY STRONG99 / 100

SHORT-TERM RETURNS▾SCORE

1-month return+4%9

3-month return+23%10

YTD return+51%9

MID & LONG-TERM▾SCORE

% of 52-week high98%10

1-year return+75%10

3-year return+310%10

5-year return+247%9

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +310% over three years and +247% over five, ahead of 90% of the market.

It's up 75% 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 (+4%), over three months (+23%) and so far this year (+51%).

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 Powszechna Kasa. 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