(PEO) Bank Polska Kasa Opieki - Ratings and Ratios
Bank Accounts, Deposits, Payment Cards, Consumer Loans, Insurance
PEO EPS (Earnings per Share)
PEO Revenue
Description: PEO Bank Polska Kasa Opieki
Bank Polska Kasa Opieki SA (PEO) is a Polish commercial bank offering a wide range of banking products and services to retail and corporate clients. The bank operates through three main segments: Retail Banking and Private Banking, Enterprise Banking, and Corporate and Investment Banking.
The banks diverse product portfolio includes bank accounts, deposits, payment cards, loan products, mortgage and consumer loans, insurance products, and investment advisory services. Additionally, PEO is involved in brokering activities, leasing, factoring, and arranging issues of debt securities, as well as providing custody services, structured finance, and financing of commercial real estate projects.
From a financial perspective, PEO has a market capitalization of approximately 49.99 billion PLN. The banks Return on Equity (RoE) stands at 20.99%, indicating a strong ability to generate profits from shareholder equity. The Price-to-Earnings (P/E) ratio is 7.64, suggesting that the stock may be undervalued relative to its earnings. Furthermore, the banks P/E Forward ratio is 7.65, implying a stable outlook for future earnings.
To further evaluate PEOs performance, we can examine additional Key Performance Indicators (KPIs) such as the banks Net Interest Margin (NIM), Cost-to-Income ratio, and Loan-to-Deposit ratio. A high NIM indicates a banks ability to generate revenue from its core lending and deposit-taking activities. A low Cost-to-Income ratio suggests efficient operations, while a healthy Loan-to-Deposit ratio indicates a banks ability to manage its liquidity effectively.
Considering the banks diversified business model, strong financial performance, and competitive positioning in the Polish banking market, PEO appears to be a significant player in the regional banking sector. Further analysis of the banks financial statements, management team, and industry trends would be necessary to form a comprehensive investment thesis.
PEO Stock Overview
| Market Cap in USD | 13,058m |
| Sub-Industry | Regional Banks |
| IPO / Inception |
PEO Stock Ratings
| Growth Rating | 93.0% |
| Fundamental | 75.3% |
| Dividend Rating | 88.6% |
| Return 12m vs S&P 500 | 12.8% |
| Analyst Rating | - |
PEO Dividends
| Dividend Yield 12m | 10.86% |
| Yield on Cost 5y | 50.61% |
| Annual Growth 5y | 56.39% |
| Payout Consistency | 80.4% |
| Payout Ratio | 71.7% |
PEO Growth Ratios
| Growth Correlation 3m | 14.3% |
| Growth Correlation 12m | 90.2% |
| Growth Correlation 5y | 87.1% |
| CAGR 5y | 49.26% |
| CAGR/Max DD 3y | 2.05 |
| CAGR/Mean DD 3y | 9.83 |
| Sharpe Ratio 12m | 1.42 |
| Alpha | 11.75 |
| Beta | 0.841 |
| Volatility | 39.95% |
| Current Volume | 377.8k |
| Average Volume 20d | 709.8k |
| Stop Loss | 173.5 (-3.7%) |
| Signal | -0.34 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (6.73b TTM) > 0 and > 6% of Revenue (6% = 1.03b TTM) |
| FCFTA 0.06 (>2.0%) and ΔFCFTA -2.54pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.06 (>3.0%) and CFO 20.16b > Net Income 6.73b (YES >=105%, WARN >=100%) |
| Net Debt (6.68b) to EBITDA (12.80b) ratio: 0.52 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (262.5m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 100.0% (prev 100.0%; Δ 0.0pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 5.24% (prev 4.88%; Δ 0.35pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 2.11 (EBITDA TTM 12.80b / Interest Expense TTM 6.07b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 75.30
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 66.33% = 5.0 |
| 3. FCF Margin data missing |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC 18.00% = 12.50 |
| 7. RoE 21.07% = 1.76 |
| 8. Rev. Trend 57.46% = 4.31 |
| 9. EPS Trend 54.60% = 2.73 |
What is the price of PEO shares?
Over the past week, the price has changed by -1.56%, over one month by -14.88%, over three months by +1.89% and over the past year by +34.09%.
Is Bank Polska Kasa Opieki a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PEO is around 250.96 PLN . This means that PEO is currently undervalued and has a potential upside of +39.27% (Margin of Safety).
Is PEO a buy, sell or hold?
What are the forecasts/targets for the PEO price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 209.5 | 16.3% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 281.4 | 56.1% |
PEO Fundamental Data Overview
Market Cap PLN = 47.14b (47.14b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 17.93b PLN (Cash only, last quarter)
P/E Trailing = 7.0074
P/E Forward = 7.6511
P/S = 3.0196
P/B = 1.5134
Beta = 0.883
Revenue TTM = 17.16b PLN
EBIT TTM = 12.80b PLN
EBITDA TTM = 12.80b PLN
Long Term Debt = unknown (none)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 6.68b PLN (from netDebt column, last quarter)
Enterprise Value = 29.21b PLN (47.14b + (null Debt) - CCE 17.93b)
Interest Coverage Ratio = 2.11 (Ebit TTM 12.80b / Interest Expense TTM 6.07b)
FCF Yield = 66.33% (FCF TTM 19.37b / Enterprise Value 29.21b)
FCF Margin = 112.9% (FCF TTM 19.37b / Revenue TTM 17.16b)
Net Margin = 39.19% (Net Income TTM 6.73b / Revenue TTM 17.16b)
Gross Margin = unknown ((Revenue TTM 17.16b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 6.07 (Enterprise Value 29.21b / Book Value Of Equity 4.81b)
Interest Expense / Debt = unknown (Interest Expense 1.47b / Debt none)
Taxrate = 21.47% (1.74b / 8.12b)
NOPAT = 10.05b (EBIT 12.80b * (1 - 21.47%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = unknown Debt (none)
Debt / EBITDA = unknown (Net Debt 6.68b / EBITDA 12.80b)
Debt / FCF = none (Debt none / FCF TTM 19.37b)
Total Stockholder Equity = 31.92b (last 4 quarters mean)
RoA = 1.98% (Net Income 6.73b, Total Assets 339.63b )
RoE = 21.07% (Net Income TTM 6.73b / Total Stockholder Equity 31.92b)
RoCE = unknown (Ebit 12.80b / (Equity 31.92b + L.T.Debt none))
RoIC = 18.00% (NOPAT 10.05b / Invested Capital 55.83b)
WACC = unknown (E(47.14b)/V(0.0) * Re(9.11%)) + (D(none)/V(0.0) * Rd(none%) * (1-Tc(0.21)))
Shares Correlation 3-Years: 0.0 | Cagr: 0.0%
Discount Rate = 9.11% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 78.05% ; FCFE base≈22.05b ; Y1≈27.20b ; Y5≈46.41b
Fair Price DCF = 2469 (DCF Value 648.15b / Shares Outstanding 262.5m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 54.60 | EPS CAGR: 0.0% | SUE: 0.16 | # QB: False
Revenue Correlation: 57.46 | Revenue CAGR: 62.42%