Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Website

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

WSE-PKO

Basic

  • Market Cap

    PLN 75.2B

  • EV

  • Shares Out

    1,250M

  • Revenue

    PLN 18.78B

  • Employees

Margins

  • Gross

  • EBITDA

  • Operating

  • Pre-Tax

    49.7%

  • Net

    32.44%

  • FCF

    -64.12%

Returns (5Yr Avg)

  • ROA

    0.76%

  • ROTA

    8.44%

  • ROE

    7.82%

  • ROCE

  • ROIC

    0.92%

Valuation (TTM)

  • P/E

  • P/B

  • EV/Sales

  • EV/EBITDA

  • P/FCF

  • EV/Gross Profit

Valuation (NTM)

  • Price Target

    PLN 70.29

  • P/E

  • PEG

  • EV/Sales

  • EV/EBITDA

  • P/FCF

Financial Health

  • Cash

  • Net Debt

    PLN 1,936M

  • Debt/Equity

  • EBIT/Interest

Growth (CAGR)

  • Rev 3Yr

    46%

  • Rev 5Yr

    8.95%

  • Rev 10Yr

  • Dil EPS 3Yr

    47.78%

  • Dil EPS 5Yr

    9.68%

  • Dil EPS 10Yr

    6.5%

  • Rev Fwd 2Yr

    6.26%

  • EBITDA Fwd 2Yr

    1.17%

  • EPS Fwd 2Yr

    33.08%

  • EPS LT Growth Est

    -2.62%

Dividends

  • Yield

  • Payout

    53.14%

  • DPS

    PLN 2.59

  • DPS Growth 3Yr

  • DPS Growth 5Yr

    14.26%

  • DPS Growth 10Yr

    13.19%

  • DPS Growth Fwd 2Yr

    9.41%

Select a metric from the list below to chart it

Dec '14

Dec '15

Dec '16

Dec '17

Dec '18

Dec '19

Dec '20

Dec '21

Dec '22

Dec '23

LTM

Dec '24 (E)

Dec '25 (E)

Dec '26 (E)

Interest Income On Loans

12,637

11,801

10,568

19,751

31,217

31,693

Interest Income On Investments

14

15

12

51

14

13

Interest Income, Total

12,651

11,816

10,580

19,802

31,231

31,706

Interest On Deposits

2,347

1,455

686

8,327

12,899

12,370

Interest Expense, Total

2,347

1,455

686

8,327

12,899

12,370

Net Interest Income

10,304

10,361

9,894

11,475

18,332

19,336

Gain (Loss) on Sale of Assets

11

4

68

97

87

87

Gain (Loss) on Sale of Invest. & Securities

-47

-205

-31

-11

-58

Total Other Non Interest Income

3,676

-2,395

5,088

3,701

259

552

Non Interest Income, Total

3,640

-2,596

5,125

3,798

335

581

Revenues Before Provison For Loan Losses

13,944

7,765

15,019

15,273

18,667

19,917

Provision For Loan Losses

1,148

2,174

1,309

1,501

1,265

1,139

Total Revenues

12,796

5,591

13,710

13,772

17,402

18,778

Total Revenues % Chg.

7%

-56.3%

145.2%

0.5%

26.4%

25.4%

Salaries And Other Employee Benefits

11

0.4

9.8

9.8

Amort. of Goodwill & Intang. Assets

Occupancy Expense

Selling General & Admin Expenses, Total

5,989

5,900

5,981

7,613.6

7,338.2

7,337.2

(Income) Loss on Equity Invest.

-31

-16

-31

-71

-99

-117

Total Other Non Interest Expense

1,022

1,122

1,185

1,421

1,518

1,717

Non Interest Expense, Total

6,980

7,006

7,146

8,964

8,767

8,947

EBT, Excl. Unusual Items

5,816

-1,415

6,564

4,808

8,635

9,831

Restructuring Charges

-32

-16

-19

Impairment of Goodwill

-51

-147

Asset Writedown

-15

-64

-15

-21

-45

-99

Legal Settlements

-1

-54

-7

-5

-14

-385

Other Unusual Items

102

-10

-15

-14

-14

EBT, Incl. Unusual Items

5,819

-1,696

6,513

4,767

8,562

9,333

Income Tax Expense

1,787

865

1,640

1,455

3,057

3,238

Earnings From Continuing Operations

4,032

-2,561

4,873

3,312

5,505

6,095

Minority Interest

-1

4

1

-3

-3

Net Income

4,031

-2,557

4,874

3,312

5,502

6,092

Net Income to Common Incl Extra Items

4,031

-2,557

4,874

3,312

5,502

6,092

Net Income to Common Excl. Extra Items

4,031

-2,557

4,874

3,312

5,502

6,092

Total Shares Outstanding

1,250

1,250

1,250

1,250

1,250

1,250

Weighted Avg. Shares Outstanding

1,250

1,250

1,250

1,250

1,250

1,250

Weighted Avg. Shares Outstanding Dil

1,250

1,250

1,250

1,250

1,250

1,250

EPS

3.2

-2

3.9

2.6

4.4

4.9

EPS Diluted

3.2

-2.1

3.9

2.6

4.4

4.9

Effective Tax Rate

30.7%

-51%

25.2%

30.5%

35.7%

34.7%