Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO) Stock Overview
Provides various banking products and services in Poland and internationally. More details
| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 1/6 |
| Past Performance | 3/6 |
| Financial Health | 4/6 |
| Dividends | 3/6 |
PKO Community Fair Values
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Analyst Price Targets
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | zł100.24 |
| 52 Week High | zł105.90 |
| 52 Week Low | zł67.78 |
| Beta | 0.65 |
| 1 Month Change | 5.91% |
| 3 Month Change | 14.43% |
| 1 Year Change | 37.54% |
| 3 Year Change | 186.81% |
| 5 Year Change | 148.73% |
| Change since IPO | 309.14% |
Recent News & Updates
Narrative Update • Jun 06
PKO: Regional Volume Outlook And Dividend Policy Will Shape Balanced Post Downgrade Prospects
Analysts have nudged their fair value estimate for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna slightly higher to PLN 106.33, citing updated assumptions on discount rate, modest revenue growth and profit margin, as well as a slightly higher future P/E, even as recent research includes both downgrades and a fresh Overweight initiation with a PLN 114 price target. Analyst Commentary Recent research on Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna shows a split view, with some firms initiating coverage with a positive stance and others turning more cautious.Narrative Update • May 20
PKO: Regional Volume Outlook And Dividend Policy Will Shape Post Downgrade Path
The analyst price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna has been revised to around PLN 104 from about PLN 100, with analysts citing updated fair value assumptions, a slightly higher discount rate, modestly adjusted revenue growth and profit margin expectations, and a higher future P/E outlook. Analyst Commentary Bullish Takeaways Bullish analysts see PKO Bank Polski as a key play on banking growth in Central and Eastern Europe, pointing to relatively low banking market penetration as a structural support for long term volume expansion.Recent updates
Narrative Update • Jun 06
PKO: Regional Volume Outlook And Dividend Policy Will Shape Balanced Post Downgrade Prospects
Analysts have nudged their fair value estimate for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna slightly higher to PLN 106.33, citing updated assumptions on discount rate, modest revenue growth and profit margin, as well as a slightly higher future P/E, even as recent research includes both downgrades and a fresh Overweight initiation with a PLN 114 price target. Analyst Commentary Recent research on Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna shows a split view, with some firms initiating coverage with a positive stance and others turning more cautious.Narrative Update • May 20
PKO: Regional Volume Outlook And Dividend Policy Will Shape Post Downgrade Path
The analyst price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna has been revised to around PLN 104 from about PLN 100, with analysts citing updated fair value assumptions, a slightly higher discount rate, modestly adjusted revenue growth and profit margin expectations, and a higher future P/E outlook. Analyst Commentary Bullish Takeaways Bullish analysts see PKO Bank Polski as a key play on banking growth in Central and Eastern Europe, pointing to relatively low banking market penetration as a structural support for long term volume expansion.Narrative Update • Apr 25
PKO: Regional Volume Outlook And Dividend Will Balance Recent Downgrades
The updated analyst price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna edges higher to around PLN 100.46 from PLN 100.25, as analysts weigh recent downgrades alongside new coverage that highlights potential in Central and Eastern Europe banks, supported by low market penetration and a solid volume outlook. Analyst Commentary Recent research shows a split in views on Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna, with some analysts turning more cautious while others see room for upside, especially within the wider Central and Eastern Europe banking space.Narrative Update • Apr 10
PKO: Regional Volume Outlook Will Balance Recent Downgrades And Overweight Initiation
Analysts nudged their fair value estimate for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna slightly higher to PLN 100.25, reflecting updated assumptions around discount rates, revenue growth, profit margins and P/E expectations, even as recent research includes both downgrades and a fresh PLN 114 price target from a new Overweight initiation. Analyst Commentary Bullish Takeaways Bullish analysts highlight the PLN 114 price target as support for a view that the current fair value estimate of PLN 100.25 leaves some headroom, assuming the bank can deliver on their volume and earnings assumptions.Narrative Update • Mar 26
PKO: Regional Volume Outlook Will Support Bullish Case Despite Recent Downgrade
Analysts have nudged their fair value estimate for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna higher from PLN 97.82 to PLN 99.82, reflecting updated assumptions on revenue growth, profit margins and future P/E, alongside mixed recent research that includes a new Overweight initiation and a separate downgrade. Analyst Commentary Bullish Takeaways Bullish analysts highlight PKO Bank Polski as a key way to gain exposure to Central and Eastern Europe banks, citing what they view as relatively low banking market penetration in the region that could support long term volume growth assumptions.Narrative Update • Mar 12
PKO: Margins And January 2026 Meeting Will Support Bullish Outlook
Narrative Update Overview Analysts have kept their fair value estimate for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna steady at PLN 97.82, with only marginal tweaks to inputs such as the discount rate and future P/E assumptions. This reflects a largely unchanged price target framework.Narrative Update • Feb 25
PKO: Fair Outlook Will Depend On Margins And January 2026 Meeting
Analysts have nudged their price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna higher to PLN 97.82 from PLN 95.21, citing updated assumptions around revenue growth, profit margins, the discount rate, and future P/E estimates. What's in the News Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna has scheduled a Special or Extraordinary Shareholders Meeting for January 20, 2026, at 10:00 Central European Standard Time (Key Developments).Narrative Update • Feb 11
PKO: Fair Outlook Will Rely On Margins And January 2026 Shareholder Meeting
Analysts have adjusted their view on Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna with a slightly higher price target of PLN 95.21, up from PLN 92.67. This change reflects updated assumptions around discount rate, revenue growth, profit margin and future P/E.Narrative Update • Jan 27
PKO: Fair Outlook Will Depend On Margins And Upcoming Shareholder Meeting
Analysts have nudged their price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna higher to reflect a revised fair value of 92.67, underpinned by slightly adjusted assumptions for discount rate, revenue growth, profit margin and future P/E. What's in the News Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna has scheduled a Special or Extraordinary Shareholders Meeting for January 20, 2026, at 10:00 Central European Standard Time (Key Developments).Narrative Update • Jan 13
PKO: Fair Outlook Will Rely On Stable Margins And Shareholder Decisions
Analysts have nudged their price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna slightly higher to PLN 90.29 from PLN 88.03, reflecting updated views on fair value and modest adjustments to assumptions for discount rate, revenue growth, profit margin, and future P/E. What's in the News Special or extraordinary shareholders meeting scheduled for January 20, 2026, at 10:00 Central European Standard Time, focusing on matters that require shareholder approval beyond routine annual items (Key Developments).Narrative Update • Nov 25
PKO: Higher Projected Profit Margins Will Drive Stronger Outlook
Analysts have raised their price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna from PLN 87.49 to PLN 88.03, citing stronger revenue growth forecasts and higher expected profit margins as key factors behind the upward revision. Valuation Changes Fair Value has risen slightly from PLN 87.49 to PLN 88.03.Analysis Article • Nov 09
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (WSE:PKO) Third-Quarter Results: Here's What Analysts Are Forecasting For Next Year
Last week saw the newest third-quarter earnings release from Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna...Narrative Update • Nov 07
PKO: Upgraded Recommendation Expected To Support Future Market Confidence
Analysts have slightly lowered their fair value estimate for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna from PLN 87.83 to PLN 87.49, citing updated growth forecasts. However, recent upgrades in analyst recommendations signal continued confidence in the bank's outlook.Narrative Update • Oct 24
Recent Upgrade And Digital Advances Will Sustain Momentum In Polish Financial Services
The analyst price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna has been slightly reduced from PLN 87.99 to PLN 87.83 as analysts incorporate a modestly higher revenue growth outlook and a recent rating upgrade to Accumulate into their valuation models. Analyst Commentary Recent analyst updates have provided a balanced perspective on Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna, reflecting both the company's strengths and areas of caution.Narrative Update • Oct 04
Poland's Consumer Credit And Digital Shift Will Fuel Future Progress
Analysts have raised their price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna slightly, from PLN 88.92 to PLN 87.99. This reflects updated expectations for revenue growth and margin performance, while noting improved sentiment following a recent upgrade to Accumulate.Narrative Update • Aug 27
Poland's Consumer Credit And Digital Shift Will Fuel Future Progress
The consensus price target for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna was marginally raised to PLN88.84, primarily reflecting a notable upgrade in revenue growth expectations from 1.2% to 2.2% per annum. What's in the News Extraordinary Shareholders Meeting scheduled to consider changes in the Supervisory Board composition, assess Supervisory Board suitability, decide on costs of the meeting, and address other matters.Analysis Article • Aug 16
Analyst Estimates: Here's What Brokers Think Of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (WSE:PKO) After Its Half-Year Report
Last week saw the newest half-year earnings release from Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna...
New Narrative • Nov 08
Digital Innovation And Critical Expansion Set To Propel Growth In Polish Banking Giant
Ambitious customer base expansion and digital innovations aim to boost revenue and improve margins through increased cross-selling and operational efficiencies.Shareholder Returns
| PKO | PL Banks | PL Market | |
|---|---|---|---|
| 7D | 0.7% | 0.7% | 0.2% |
| 1Y | 37.5% | 39.6% | 28.4% |
Return vs Industry: PKO underperformed the Polish Banks industry which returned 39.6% over the past year.
Return vs Market: PKO exceeded the Polish Market which returned 28.4% over the past year.
Price Volatility
| PKO volatility | |
|---|---|
| PKO Average Weekly Movement | 4.0% |
| Banks Industry Average Movement | 4.6% |
| Market Average Movement | 5.3% |
| 10% most volatile stocks in PL Market | 11.2% |
| 10% least volatile stocks in PL Market | 3.1% |
Stable Share Price: PKO has not had significant price volatility in the past 3 months compared to the Polish market.
Volatility Over Time: PKO's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1919 | 26,015 | Szymon Midera | www.pkobp.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.
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Fundamentals Summary
| PKO fundamental statistics | |
|---|---|
| Market cap | zł124.06b |
| Earnings (TTM) | zł10.74b |
| Revenue (TTM) | zł29.16b |
11.7x
P/E Ratio2.1x
P/B RatioIs PKO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PKO income statement (TTM) | |
|---|---|
| Revenue | zł29.16b |
| Cost of Revenue | zł0 |
| Gross Profit | zł29.16b |
| Other Expenses | zł18.42b |
| Earnings | zł10.74b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Aug 13, 2026
| Earnings per share (EPS) | 8.59 |
| Gross Margin | 100.00% |
| Net Profit Margin | 36.82% |
| Debt/Equity Ratio | 65.3% |
How did PKO perform over the long term?
See historical performance and comparisonDividends
6.1%
Current Dividend Yield71%
Payout RatioDoes PKO pay a reliable dividends?
See PKO dividend history and benchmarks| Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna dividend dates | |
|---|---|
| Ex Dividend Date | Aug 04 2026 |
| Dividend Pay Date | Aug 13 2026 |
| Days until Ex dividend | 55 days |
| Days until Dividend pay date | 64 days |
Does PKO pay a reliable dividends?
See PKO dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/09 18:02 |
| End of Day Share Price | 2026/06/09 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is covered by 25 analysts. 10 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Ivan Bokhmat | Barclays |
| Krishnendra Dubey | Barclays |
| Andreas Markou | Berenberg |