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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA)
Warsaw, PL
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, currency, children and teenagers, and savings accounts; term deposits; and consumer, real estate, business, mortgage, and corporate loans. It also provides investment and insurance products; investment funds; credit, account, and debit cards; payments and online banking services; and private banking, electronic, and mobile banking services; leases and factoring services to firms and enterprises, developers, cooperatives, and property managers; and cash management and trade finance services, safekeeping of securities, and currency products and derivatives. In addition, the company is involved in agreement for financing large projects; issuing non-treasury securities; and investing and brokerage activities, as well as transactions in derivative instruments and debt securities; investment and pension fund management; sale of post-lease assets; securitization of lease receivables; lease of cars; outsourcing of IT specialists; and developing, leasing, buying, selling, and managing real estate. Further, it offers life, house and apartment, travel, health, banking product, and personal insurance; and transfer agent, debt collection, and fleet management services. It serves its products and services to individual customers, companies, enterprises, and corporations and local governments. The company was founded in 1919 and is based in Warsaw, Poland.
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 |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.50% | +2.41% | -4.41% | +9.30% | +30.38% | +10.85% | +28.97% | +207.86% | +175.97% | +302.73% | +328.01% |
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 | 3 | 0 |
| Buy | 9 | -1 |
| Hold | 3 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Banks: +13.8%-18.0% Q1'26: -7.6% (vs Q1'25)
-
EPS growth Banks: +25.1%+14.9% Q1'26: +2.5% (vs Q1'25)
-
FCF margin FCF growth · Banks: +75.8%-7.7% Q1'26: +22.1% (vs Q1'25)
-
EBIT margin Banks: +27.6%+43.1% ★ Q1'26: +42.5% (vs Q1'25)
-
ROIC Banks: +1.1%+13.9% ★ Q1'26: +12.1% (vs Q1'25)
-
Share dilution Banks: +0.1%+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Banks: 1.37×2.91× ★ Q1'26: 2.41× (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 9 Rev. Ana. 5 EPS Ana. |
Dec 2027 9 Rev. Ana. 9 EPS Ana. |
Dec 2028 6 Rev. Ana. 6 EPS Ana. |
Dec 2029 5 Rev. Ana. 4 EPS Ana. |
Dec 2030 3 Rev. Ana. 2 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
13.39B
est: 10.52B (+27.2%)
|
14.11B
est: 11.61B (+21.5%)
|
14.96B
est: 12.45B (+20.1%)
|
15.77B
est: 13.25B (+19.0%)
|
16.95B
est: 14.43B (+17.5%)
|
16.04B
est: 14.13B (+13.5%)
|
15.78B
est: 14.94B (+5.6%)
|
25.61B
est: 18.71B (+36.9%)
|
37.11B
est: 19.72B (+88.2%)
|
38.86B
est: 28.60B (+35.9%)
|
31.87B
est: 30.64B (+4.0%)
|
30.81B
30.42B – 31.34B
+0.6% YoY
|
32.52B
31.04B – 33.88B
+5.5% YoY
|
33.89B
33.86B – 33.92B
+4.2% YoY
|
33.23B
32.25B – 34.22B
-2.0% YoY
|
34.11B
33.11B – 35.12B
+2.7% YoY
|
| EBITDA |
4.01B
est: 2.79B (+43.6%)
|
4.58B
est: 3.08B (+48.7%)
|
5.09B
est: 3.31B (+54.1%)
|
5.90B
est: 3.52B (+67.8%)
|
6.87B
est: 3.83B (+79.4%)
|
-524.00M
est: 3.75B (-114.0%)
|
7.72B
est: 3.97B (+94.8%)
|
6.03B
est: 4.97B (+21.5%)
|
9.93B
est: 7.13B (+39.4%)
|
14.26B
est: 10.34B (+37.9%)
|
14.27B
est: 11.08B (+28.8%)
|
11.14B
11.00B – 11.33B
+0.6% YoY
|
11.76B
11.22B – 12.25B
+5.5% YoY
|
12.25B
12.24B – 12.26B
+4.2% YoY
|
12.01B
11.66B – 12.37B
-2.0% YoY
|
12.33B
11.97B – 12.70B
+2.7% YoY
|
| EBIT |
3.19B
est: 2.21B (+44.2%)
|
3.78B
est: 2.44B (+54.9%)
|
4.25B
est: 2.62B (+62.2%)
|
5.08B
est: 2.79B (+82.3%)
|
5.82B
est: 3.03B (+91.8%)
|
-1.70B
est: 2.97B (-157.1%)
|
6.51B
est: 3.14B (+107.3%)
|
4.77B
est: 3.93B (+21.2%)
|
8.56B
est: 6.26B (+36.8%)
|
12.73B
est: 9.08B (+40.2%)
|
13.72B
est: 9.73B (+41.1%)
|
9.79B
9.66B – 9.95B
+0.6% YoY
|
10.33B
9.86B – 10.76B
+5.5% YoY
|
10.76B
10.75B – 10.77B
+4.2% YoY
|
10.55B
10.24B – 10.87B
-2.0% YoY
|
10.83B
10.51B – 11.15B
+2.7% YoY
|
| Net Income |
2.61B
est: 2.78B (-6.1%)
|
2.87B
est: 2.61B (+10.2%)
|
3.10B
est: 3.09B (+0.5%)
|
3.74B
est: 3.74B (+0.1%)
|
4.03B
est: 4.22B (-4.5%)
|
-2.56B
est: 2.93B (-187.3%)
|
4.87B
est: 4.83B (+0.9%)
|
3.31B
est: 3.53B (-6.1%)
|
5.50B
est: 7.86B (-30.0%)
|
9.30B
est: 8.97B (+3.7%)
|
10.68B
est: 11.56B (-7.6%)
|
9.10B
8.91B – 12.21B
-21.2% YoY
|
12.45B
11.85B – 13.95B
+36.8% YoY
|
14.14B
13.45B – 14.90B
+13.6% YoY
|
14.06B
13.52B – 14.60B
-0.5% YoY
|
14.28B
13.73B – 14.82B
+1.5% YoY
|
| SGA |
1.94B
est: 987.29M (+96.8%)
|
1.45B
est: 1.09B (+32.7%)
|
1.41B
est: 1.17B (+20.7%)
|
1.48B
est: 1.24B (+18.9%)
|
1.27B
est: 1.35B (-6.3%)
|
1.93B
est: 1.33B (+45.7%)
|
1.82B
est: 1.40B (+30.1%)
|
3.25B
est: 1.76B (+85.1%)
|
1.95B
est: 2.05B (-4.9%)
|
2.09B
est: 2.97B (-29.6%)
|
5.44B
est: 3.18B (+71.0%)
|
3.20B
3.16B – 3.26B
+0.6% YoY
|
3.38B
3.22B – 3.52B
+5.5% YoY
|
3.52B
3.52B – 3.52B
+4.2% YoY
|
3.45B
3.35B – 3.55B
-2.0% YoY
|
3.54B
3.44B – 3.65B
+2.7% YoY
|
| EPS |
2.09
est: 2.22 (-6.0%)
|
2.30
est: 2.09 (+10.2%)
|
2.48
est: 2.47 (+0.4%)
|
2.99
est: 2.99 (0.0%)
|
3.22
est: 3.38 (-4.7%)
|
-2.05
est: 2.34 (-187.5%)
|
3.90
est: 3.86 (+1.0%)
|
2.65
est: 2.79 (-4.9%)
|
4.40
est: 6.28 (-30.0%)
|
7.44
est: 7.17 (+3.7%)
|
8.55
est: 9.25 (-7.5%)
|
8.63
7.12 – 9.77
-6.7% YoY
|
10.45
9.48 – 11.16
+21.1% YoY
|
11.40
10.76 – 11.92
+9.1% YoY
|
11.25
10.82 – 11.68
-1.3% YoY
|
11.42
10.98 – 11.86
+1.5% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-14 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-13 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-12 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-11 | A- | 4/5 | 5/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-08 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-07 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-06 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-05 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-04 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-30 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-29 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-28 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-27 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-24 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-23 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-22 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-21 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-20 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-17 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-16 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-15 | A | 4/5 | 5/5 | 5/5 | 5/5 | 2/5 | 3/5 | 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 |
|---|---|---|---|
| Piotr Mazur | Vice President of Management Board & Chief Risk Officer | 2M | male |
| Krzysztof Dresler | Deputy Chief Executive Officer & Vice-President of the Management Board | 1M | male |
| Mariusz Zarzycki | Vice-President of The Management Board | 688.0K | male |
| Michal Sobolewski | Vice-President of The Management Board | 688.0K | male |
| Ludmila Falak-Cyniak | Vice-President of The Management Board | 688.0K | female |
| Danuta Szymanska | Director of the Accounting Division | — | — |
| Tomasz Pol | Vice President of Management Board | — | male |
| Lidia Wilk | Investor Relations Professional | — | female |
| Marek Panfil | Secretary & Independent Member of the Supervisory Board | — | male |
| Marek Radzikowski | Vice President of Management Board | — | male |
| Szymon Midera | Acting Chief Executive Officer & President of Management Board | — | 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 PKO.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.
