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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
PKO

Last Price

Financial Snapshot

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Market Data

Market Cap
PLN106.45B
EV
-
Shares Outstanding
1.25B
Beta
0.70
Industry
Banks - Regional

Wall Street View

Analyst Rating
BUY
Analyst Target Price
Number of Analysts
13
P/E 2025E
9.96x
P/B 2025E
1.88x

Historical 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Forecasted 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Margins & Returns

Ebit Margin 2025E
65.05%
Net Profit Margin 2025E
34.78%
ROE 2025E
19.37%
ROA 2025E
2.14%

Dividends

DPS 2025E
PLN5.70
Payout Ratio 2025E
67.30%
Div. Yield 2025E
6.75%
DPS Last 3Y CAGR

Price Dynamic

Price

%

1M

3M

6M

1Y

3Y

5Y

Peers

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About Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

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P

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

PKO

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides various banking products and services in Poland and internationally. It operates through three segments: Retail, Corporate and Investment, and Transfer Center and Other. The company offers current, curre...

Sector

Financial Services

Industry

Banks - Regional

CEO

Midera, Szymon

Employees

24,946

IPO Date

2004-11-10

Headquarters

Pulawska street 15, Warsaw 02-515, Poland

📊 Stock Price & Performance

The last closing price of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) is PLN85.52, reflecting a +1.06% change from the prior session. Last updated: December 30, 2025 at 10:53 AM Eastern Time

Review the recent PKO stock performance trends:Past 1 Month: Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) shares have +10.03%.Past 3 Months: The stock has +20.83%.Past 6 Months: PKO shares have +13.18%. Last updated: January 1, 2026 at 12:20 AM Eastern Time

Over the last year, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) has established a 52-week price range between a high of PLN86.46 and a low of PLN58.64. This metric is essential for assessing the stock's annual volatility. Last updated: January 1, 2026 at 12:20 AM Eastern Time

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) is considered a low volatility stock. It has a beta of 0.70, which means it typically moves 0.70 times as much as the broader market. Over the past 52 weeks, PKO has traded within a PLN58.64 – PLN86.46 range. Last updated: January 1, 2026 at 12:20 AM Eastern Time

Based on current PKO analyst forecasts and market assumptions, the consensus price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) is PLN88.91 for 2027. Relative to the current price of PLN85.52, this implies a positive upside of +4.40%. Price targets reflect forward-looking estimates based on information available at the time and are inherently subject to change as underlying assumptions, company fundamentals, or market conditions evolve. Last updated: January 1, 2026 at 12:20 AM Eastern Time

A PLN1,000 investment in Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna 5 years ago, when the stock was trading around PLN28.84, would be worth approximately PLN2964.87 today, based solely on share price performance (excluding dividends). This represents a total return of 196.49% over the period, equivalent to a compound annual growth rate (CAGR) of 24.28%. Past performance reflects historical price movements only and does not imply future results. Last updated: January 1, 2026 at 12:20 AM Eastern Time

💰 Financial Metrics & Reports

The current Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) market capitalization is approximately PLN106.45B, based on its latest share price and shares outstanding. Market capitalization represents the total market value of a company's equity and is calculated by multiplying the current stock price by the number of shares outstanding. As a result, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna's market cap fluctuates with changes in its share price and share count. Last updated: January 1, 2026 at 12:20 AM Eastern Time

In the most recently reported quarter, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) generated PLN7.41B in revenue, representing a +5.45% year over year change. For the next quarter, analyst consensus currently expects revenue of approximately PLN7.51B, implying an expected +0.95% year over year change. Quarterly revenue results and expectations reflect underlying demand trends, pricing dynamics, product or service mix, seasonality, and broader macroeconomic conditions. Actual results may differ from consensus estimates as new information becomes available. Last updated: December 28, 2025 at 5:03 AM Eastern Time

In the most recently reported fiscal year, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) generated net income of PLN9.30B, compared with PLN5.50B in the prior fiscal year, representing a +69.10% year over year change. For the upcoming fiscal year, analyst consensus currently estimates net income of PLN10.64B. Net income may be positive or negative and can fluctuate materially from year to year due to changes in operating performance, non-recurring or one-time items, accounting treatments, capital structure, and broader macroeconomic conditions. Last updated: December 28, 2025 at 5:03 AM Eastern Time

Based on the latest available data, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) is currently trading at a last twelve months (LTM) P/E ratio of 10.27x. The P/E ratio reflects how much investors are willing to pay today for a dollar of earnings and can vary meaningfully over time due to changes in profitability, growth expectations, margin outlook, and earnings volatility. Last updated: December 30, 2025 at 10:53 AM Eastern Time

📅 Earnings & Dividends

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) is currently scheduled to report its next earnings results on March 10, 2026. Earnings dates are subject to change and may be updated by the company with limited notice. Investors typically monitor upcoming earnings releases closely, as they can result in increased volatility depending on reported results, forward guidance, and management commentary. Last updated: January 1, 2026 at 12:20 AM Eastern Time

In the most recently reported quarter, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) revenue was PLN7.41B, compared with analyst consensus expectations of PLN7.72B, representing a -4.04% revenue surprise versus expectations. Earnings per share (EPS) for the quarter were PLN2.27, compared with consensus estimates of PLN2.19, resulting in an +3.65% EPS surprise. Revenue and EPS surprises may be positive or negative and can influence near-term stock performance depending on expectations, forward guidance, and broader market and sector conditions. For a detailed history of analyst expectations versus reported results, view the full estimates vs. actuals track record here: 👉 Estimates vs. Actuals Last updated: December 28, 2025 at 5:03 AM Eastern Time

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) has paid dividends over the last twelve months (LTM), totaling PLN2.59 per share. Based on current analyst expectations, dividends over the next twelve months (NTM) are estimated at PLN6.31 per share , implying a forward dividend yield of +7.38% at the current share price. Dividend payments are subject to board approval and may change depending on profitability, cash flow, capital allocation priorities, and broader market conditions. Last updated: December 28, 2025 at 5:03 AM Eastern Time

📈 Analyst Information

Analyst assessments of whether Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) consensus price target is overvalued or undervalued are generally expressed relative to consensus valuation frameworks and price targets, rather than as an absolute judgment.Current share price: PLN85.52Consensus price target: PLN88.91Implied return: +4.40% An implied return above current levels indicates that, on average, analysts view the stock as trading below their estimated fair value. Conversely, an implied return below current levels suggests the stock may be fully valued or priced above consensus expectations. This content is for informational purposes only and does not constitute investment advice. Last updated: December 30, 2025 at 10:53 AM Eastern Time

Based on the latest available analyst coverage, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) currently carries a Buy consensus rating. Analysts' average PKO price target is PLN88.91. Relative to the current share price of PLN85.52, this suggests a potential price change of approximately +4.40%. Analyst views are forward-looking estimates and should not be considered investment advice. Last updated: December 30, 2025 at 10:53 AM Eastern Time

Like other publicly traded stocks, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) shares are bought and sold on stock exchanges such as WSE and other supported markets, depending on the listing. The most common way to buy shares is through an online brokerage account. To get started, you typically need to: Open an account with a licensed stock brokerComplete the broker's verification processFund your accountPlace a buy order for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) shares Trading involves risk, and investors should consider their financial objectives and risk tolerance before investing.

ℹ️ Company Information

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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna trades under the ticker symbol PKO on the WSE stock exchange. The ticker PKO is used to identify the company's common stock across trading platforms, market data providers, and regulatory filings.

As of the most recently reported period, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) employs approximately 24,946 people worldwide. Reported employee figures may fluctuate over time due to hiring activity, restructuring, automation initiatives, or changes in business strategy. Headcount data is typically disclosed in company filings and reflects full-time employees unless otherwise stated. Last updated: January 1, 2026 at 12:20 AM Eastern Time

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) operates in a highly competitive market with companies that often have different business models, geographic exposure, and end markets. While no two companies are identical, the following firms are generally considered the closest Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) stock peers based on overlapping products, services, and competitive dynamics:Bank Polska Kasa Opieki (PEO)Santander Bank Polska (SPL)Raiffeisen Bank International (RBI)mBank (MBK)Skandinaviska Enskilda Banken (SEB A)Bank Millennium (MIL)Erste Group Bank (EBS)DNB Bank (DNB)Danske Bank (DANSKE) These peers may differ in size, business mix, financial profile, and strategic focus, but they are commonly referenced due to overlapping markets, customer segments, or competitive positioning relative to Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna.

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