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Bank Polska Kasa Opieki S.A. (PEO.WA)
Warsaw, PL
Bank Polska Kasa Opieki S.A., a prominent commercial bank, offers a comprehensive suite of banking products and financial services to both individual retail customers and corporate entities, operating within Poland and internationally. The bank's operations are structured across several key segments: Retail Banking, Private Banking, Corporate and Investment Banking, Enterprise Banking, and Assets and Liabilities Management. Customers can utilize various deposit options, including current accounts, saving accounts, and term deposits. Its extensive lending portfolio features mortgage, operating, investment, cash, and consumer loans, alongside specialized financing for corporations, small and medium enterprises (SMEs), and commercial real estate. Beyond traditional banking, the company also provides a wide range of additional services such as insurance, asset management, pension funds, brokerage, transactional advisory, leasing, factoring, business consulting, and online banking capabilities. Established in 1929 and headquartered in Warsaw, Poland, Bank Polska Kasa Opieki S.A. maintained a significant physical presence as of December 31, 2021, with 650 branches and 1,475 ATMs.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.18% | -3.75% | -7.75% | -0.52% | +17.50% | +8.24% | +27.89% | +138.42% | +171.63% | +54.25% | +308.94% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 2 | 0 |
| Buy | 5 | 0 |
| Hold | 7 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth+1.8% Q1'26: -3.3% (vs Q1'25)
-
EPS growth+10.1% Q1'26: -26.9% (vs Q1'25)
-
FCF margin— Q1'26: +5.4% (vs Q1'25)
-
EBIT margin— Q1'26: +33.2% (vs Q1'25)
-
ROIC— Q1'26: +9.7% (vs Q1'25)
-
Share dilution+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA— Q1'26: 3.34× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 2 Rev. Ana. 1 EPS Ana. |
Dec 2027 12 Rev. Ana. 11 EPS Ana. |
Dec 2028 10 Rev. Ana. 9 EPS Ana. |
Dec 2029 5 Rev. Ana. 3 EPS Ana. |
Dec 2030 5 Rev. Ana. 3 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
8.42B
est: 6.96B (+21.0%)
|
8.45B
est: 7.15B (+18.2%)
|
8.90B
est: 7.29B (+22.1%)
|
8.91B
est: 7.70B (+15.7%)
|
9.57B
est: 8.20B (+16.6%)
|
8.59B
est: 7.83B (+9.7%)
|
8.83B
est: 8.48B (+4.2%)
|
14.12B
est: 11.43B (+23.6%)
|
21.48B
est: 14.74B (+45.7%)
|
22.25B
est: 15.72B (+41.5%)
|
22.65B
est: 17.02B (+33.1%)
|
17.11B
16.57B – 17.64B
+0.5% YoY
|
17.95B
17.25B – 19.06B
+4.9% YoY
|
18.60B
18.56B – 18.64B
+3.6% YoY
|
17.84B
17.21B – 18.69B
-4.1% YoY
|
18.29B
17.65B – 19.16B
+2.5% YoY
|
| EBITDA |
3.16B
est: 2.43B (+29.9%)
|
3.24B
est: 2.50B (+29.5%)
|
3.50B
est: 2.55B (+37.2%)
|
3.42B
est: 2.69B (+26.9%)
|
3.51B
est: 2.87B (+22.1%)
|
2.26B
est: 2.74B (-17.4%)
|
3.65B
est: 2.97B (+23.1%)
|
3.50B
est: 4.00B (-12.6%)
|
9.20B
est: 5.59B (+64.5%)
|
8.83B
est: 5.96B (+48.0%)
|
9.31B
est: 6.46B (+44.1%)
|
6.49B
6.29B – 6.69B
+0.5% YoY
|
6.81B
6.54B – 7.23B
+4.9% YoY
|
7.06B
7.04B – 7.07B
+3.6% YoY
|
6.77B
6.53B – 7.09B
-4.1% YoY
|
6.94B
6.69B – 7.27B
+2.5% YoY
|
| EBIT |
2.83B
est: 2.10B (+34.9%)
|
2.90B
est: 2.16B (+34.3%)
|
3.15B
est: 2.20B (+43.3%)
|
3.05B
est: 2.32B (+31.1%)
|
3.00B
est: 2.48B (+21.3%)
|
1.73B
est: 2.36B (-27.0%)
|
3.00B
est: 2.56B (+17.4%)
|
2.88B
est: 3.45B (-16.5%)
|
8.57B
est: 5.02B (+70.5%)
|
8.12B
est: 5.36B (+51.7%)
|
8.97B
est: 5.80B (+54.6%)
|
5.83B
5.65B – 6.01B
+0.5% YoY
|
6.12B
5.88B – 6.50B
+4.9% YoY
|
6.34B
6.33B – 6.35B
+3.6% YoY
|
6.08B
5.87B – 6.37B
-4.1% YoY
|
6.23B
6.01B – 6.53B
+2.5% YoY
|
| Net Income |
2.29B
est: 2.37B (-3.3%)
|
2.28B
est: 2.12B (+7.5%)
|
2.48B
est: 2.14B (+15.9%)
|
2.29B
est: 2.21B (+3.4%)
|
2.17B
est: 2.22B (-2.4%)
|
1.10B
est: 1.29B (-14.4%)
|
2.17B
est: 2.13B (+2.3%)
|
1.72B
est: 2.49B (-31.1%)
|
6.66B
est: 6.25B (+6.5%)
|
6.38B
est: 6.73B (-5.2%)
|
7.02B
est: 7.20B (-2.6%)
|
5.85B
5.73B – 5.97B
-18.8% YoY
|
6.35B
5.99B – 7.21B
+8.6% YoY
|
6.91B
6.62B – 7.57B
+8.8% YoY
|
6.63B
6.33B – 7.04B
-4.0% YoY
|
6.72B
6.41B – 7.13B
+1.3% YoY
|
| SGA |
934.10M
est: 634.85M (+47.1%)
|
936.15M
est: 652.07M (+43.6%)
|
928.02M
est: 665.52M (+39.4%)
|
996.22M
est: 702.70M (+41.8%)
|
921.73M
est: 748.75M (+23.1%)
|
835.90M
est: 714.47M (+17.0%)
|
1.07B
est: 773.45M (+37.8%)
|
1.89B
est: 1.04B (+81.2%)
|
1.11B
est: 1.51B (-26.8%)
|
1.18B
est: 1.61B (-27.1%)
|
3.49B
est: 1.75B (+99.9%)
|
1.76B
1.70B – 1.81B
+0.5% YoY
|
1.84B
1.77B – 1.96B
+4.9% YoY
|
1.91B
1.91B – 1.91B
+3.6% YoY
|
1.83B
1.77B – 1.92B
-4.1% YoY
|
1.88B
1.81B – 1.97B
+2.5% YoY
|
| EPS |
8.73
est: 9.03 (-3.3%)
|
8.68
est: 8.08 (+7.5%)
|
9.43
est: 8.14 (+15.9%)
|
8.71
est: 8.43 (+3.4%)
|
8.25
est: 8.45 (-2.4%)
|
4.20
est: 4.90 (-14.3%)
|
8.29
est: 8.10 (+2.4%)
|
6.54
est: 9.73 (-32.8%)
|
25.06
est: 23.82 (+5.2%)
|
24.28
est: 24.82 (-2.2%)
|
26.73
est: 27.23 (-1.8%)
|
22.28
21.82 – 22.74
-18.2% YoY
|
25.00
22.83 – 27.46
+12.2% YoY
|
26.70
25.23 – 28.84
+6.8% YoY
|
25.26
24.10 – 26.81
-5.4% YoY
|
25.60
24.43 – 27.17
+1.3% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-11 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-08 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-07 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-06 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-04 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-30 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-29 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-28 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-27 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-24 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-23 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-22 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-21 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-20 | A | 4/5 | 4/5 | 5/5 | 5/5 | 2/5 | 4/5 | 2/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-15 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Marcin Gadomski | Chief Risk Officer & Vice President of the Management Board - Risk Management Division | 3M | male |
| Blazej Szczecki | Vice President of the Management Board | 3M | male |
| Marcin Zygmanowski | Vice President of the Management Board | 3M | male |
| Dagmara Wojnar | Chief Financial Officer & Vice President of the Management Board | 2M | female |
| Robert Sochacki | Vice-President of the Management Board | 2M | male |
| Cezary Stypulkowski | President of Management Board | 2M | male |
| Magistrate Lukasz Janusz Januszewski | Vice President of Management Board | 2M | — |
| Michal Panowicz | Vice President of Management Board | 2M | male |
| Katarzyna Niezgoda-Walczak | Head of Retail Banking Bank BPH | 333.0K | female |
| Magdalena Joanna Dziewguc | Secretary of the Supervisory Board | — | female |
| Marcin Jablczynski | Head of Investor Relations | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PEO.WA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
