PEO Stock Analysis: Bank Polska Kasa Opieki | WAR
Banks - Regional | WAR, Poland | Market Cap: 68.373m PLN | 12M Return: 50.9% | PLPEKAO00016 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 138M
EPS Trend: -8.6%
Qual. Beats: -1
Rev. Trend: -12.1%
Qual. Beats: -1
Warnings
No concerns identified
Tailwinds
Seasonality 11.8 years of data, until 10/2026
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, ≥40 worth a closer look and ≥60 is strong.
Bank Polska Kasa Opieki S.A. (PEO) is a Warsaw-based commercial bank serving retail, private, corporate and institutional clients across Poland. Its services include deposits, payment cards, consumer and mortgage lending, leasing, factoring, investment banking, treasury and transaction services.
Like other commercial banks, it generally earns income from lending and other financial services, while deposits help fund its loans. Founded in 1929, the company is classified in the financials sector and regional banks industry.
- Polish rate cuts pressure net interest margins and earnings
- Corporate lending growth supports loan volumes and fee income
- CHF mortgage litigation and regulatory costs weigh on profits
| Net Income: 6.48b TTM > 0 and > 6% of Revenue |
| FCF/TA: -0.01 > 0.02 and ΔFCF/TA -6.18 > 1.0 |
| NWC/Revenue: -1.48k% < 20% (prev 43.71%; Δ -1.52k% < -1%) |
| CFO/TA -0.01 > 3% & CFO -4.64b > Net Income 6.48b |
| Net Debt (10.0b) to EBITDA (14.1b): 0.71 < 3 |
| Current Ratio: 0.08 > 1.5 & < 3 |
| Outstanding Shares: last quarter (262.5m) vs 12m ago -0.00% < -2% |
| Gross Margin: 64.26% > 18% (prev 73.57%; Δ -9.31% > 0.5%) |
| Asset Turnover: 5.04% > 50% (prev 6.99%; Δ -1.95% > 0%) |
| Interest Coverage Ratio: 2.92 > 6 (EBIT TTM 13.3b / Interest Expense TTM 4.56b) |
| A: -0.71 (Total Current Assets 23.9b - Total Current Liabilities 288b) / Total Assets 372b |
| B: 0.02 (Retained Earnings 5.93b / Total Assets 372b) |
| C: 0.04 (EBIT TTM 13.3b / Avg Total Assets 355b) |
| D: 0.10 (Book Value of Equity 33.6b / Total Liabilities 339b) |
| Altman-Z'' = -4.25 = D |
| DSRI: 3.0 (Receivables 112.0m/1.00m, Revenue 17.9b/23.7b) |
| GMI: 1.14 (GM 73.57% / 64.26%) |
| AQI: 0.97 (AQ_t 0.93 / AQ_t-1 0.96) |
| SGI: 0.76 (Revenue 17.9b / 23.7b) |
| TATA: 0.03 (NI 6.48b - CFO -4.64b) / TA 372b) |
| Beneish M = -1.44 (Cap -4..+1) = D |
As of November 12, 2026, the stock is trading at PLN 268.90 with a total of 744,727 shares traded. Over the past week, the price has changed by +2.95%, over one month by +1.63%, over three months by +6.07% and over the past year by +50.88%.
Current recommended Stop Loss: 255.40 (which is 5% or 1.8 ATR below the current price).
Bank Polska Kasa Opieki has no consensus analysts rating.
P/E Trailing = 11.2284
P/E Forward = 7.6511
P/S = 4.2081
P/B = 2.0702
P/EG = 2.9055
Revenue TTM = 17.9b PLN
EBIT TTM = 13.3b PLN
EBITDA TTM = 14.1b PLN
Long Term Debt = unknown (none)
Short Term Debt = 11.8b PLN (from shortTermDebt, last fiscal year)
Debt = 33.8b PLN (from shortLongTermDebtTotal, last quarter)
Net Debt = 10.0b PLN (calculated: Debt 33.8b - CCE 23.8b)
Enterprise Value = 78.4b PLN (68.4b + Debt 33.8b - CCE 23.8b)
Interest Coverage Ratio = 2.92 (Ebit TTM 13.3b / Interest Expense TTM 4.56b)
EV/FCF = -14.35x (Enterprise Value 78.4b / FCF TTM -5.46b)
FCF Yield = -6.97% (FCF TTM -5.46b / Enterprise Value 78.4b)
FCF Margin = -30.52% (FCF TTM -5.46b / Revenue TTM 17.9b)
Net Margin = 36.19% (Net Income TTM 6.48b / Revenue TTM 17.9b)
Gross Margin = 64.26% ((Revenue TTM 17.9b - Cost of Revenue TTM 6.40b) / Revenue TTM)
Gross Margin QoQ = none% (prev 76.33%)
Tobins Q-Ratio = 0.21 (Enterprise Value 78.4b / Total Assets 372b)
Interest Expense / Debt = 13.49% (Interest Expense 4.56b / Debt 33.8b)
Taxrate = 30.56% (2.68b / 8.76b)
NOPAT = 9.25b (EBIT 13.3b * (1 - 30.56%))
Current Ratio = 0.08 (Total Current Assets 23.9b / Total Current Liabilities 288b)
Debt / Equity = 1.01 (Debt 33.8b / totalStockholderEquity, last quarter 33.6b)
Debt / EBITDA = 0.71 (Net Debt 10.0b / EBITDA 14.1b)
Debt / FCF = -1.84 (negative FCF - burning cash) (Net Debt 10.0b / FCF TTM -5.46b)
Total Stockholder Equity = 34.5b (last 4 quarters mean from totalStockholderEquity)
RoA = 1.82% (Net Income 6.48b / Total Assets 372b)
RoE = 18.80% (Net Income TTM 6.48b / Total Stockholder Equity 34.5b)
RoCE = 15.86% (EBIT 13.3b / Capital Employed (Total Assets 372b - Current Liab 288b))
RoIC = 9.75% (NOPAT 9.25b / Invested Capital 94.9b)
WACC = 8.30% (E(68.4b)/V(102b) * Re(7.77%) + D(33.8b)/V(102b) * Rd(13.49%) * (1-Tc(0.31)))
Discount Rate = 7.77% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -52.41 | Cagr: -0.00%
[DCF] Fair Price = unknown (Cash Flow -5.46b)
EPS Correlation: -8.58 | EPS CAGR: -0.34% | SUE: -4.0 | # QB: -1
Revenue Correlation: -12.11 | Revenue CAGR: -0.96% | SUE: -1.41 | # QB: -1
EPS current Year (2026-12-31): EPS=23.23 | Chg30d=+2.02% | Revisions=+17% | GrowthEPS=-13.1% | GrowthRev=+2.6%
EPS next Year (2027-12-31): EPS=26.55 | Chg30d=+0.94% | Revisions=+57% | GrowthEPS=+14.3% | GrowthRev=+7.1%
[Analyst] Revisions Ratio: +50% (up=6, down=1)