Bank Polska Kasa Opieki S.A (BKPKF) fair value: what the stock is really worth
As of Sep 18, 2026: fair value of Bank Polska Kasa Opieki S.A $67.41, price $70.19, upside -4.0%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Oct 1, 2026.
How to read this chart
60‑month range $7.09 – $70.19 · fair‑value band $50.29 – $133.37 · the $70.19 price screens above the $67.41 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 1, 2026.
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Bank Polska Kasa Opieki S.A., a commercial bank, provides banking products and services to retail and corporate clients in Poland. It operates through Retail Banking and Private Banking; Enterprise banking; and Corporate and Investment Banking segments.
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Bank Polska Kasa Opieki S.A., a commercial bank, provides banking products and services to retail and corporate clients in Poland. It operates through Retail Banking and Private Banking; Enterprise banking; and Corporate and Investment Banking segments. The company offers bank accounts, deposits and certificates of deposit, payment cards, loan products, mortgage and consumer loans, and insurance products. It is also involved in the brokering activity and sale of investment products; leasing, factoring, arranging issues of debt securities, and other specialized forms of financing; and transactional banking. In addition, the company provides investment advisory services, advisory in M&A, advanced treasury, capital market products, and custody services; investment banking; structured finance; financing of commercial real estate projects, including financing of the construction of warehouses; and other services, such as collecting information on debtors' financial situation, collection, debt collection, settlements accounting, and monitoring of payments. Further, it is involved in the settlement of mass transactions, financial advisory and consulting services regarding the selection of financing method, and granting loans and credits related to the factoring agreement; brokerage services for large and medium-sized enterprises and financial institutions; payment card management systems, transaction authorization and card personalization; online payment systems; and financial intermediation and transfer agent services. Bank Polska Kasa Opieki S.A. was founded in 1929 and is headquartered in Warsaw, Poland.
Stock analysis
Bank Polska Kasa Opieki S.A (BKPKF) currently trades at $70.19, while our model-based Fair Value estimate is $67.41, so the stock looks roughly fairly valued today (gap 4.1%).
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Valuation
Bull case: the Economic Profit group reads highest at a median of $61.13 per share, and 1 of the 4 models we run sit above the $70.19 price.
Bear case: the Asset-Based group reads lowest at $23.18, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: $50.29 (bear) to $133.37 (bull), the price of $70.19 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 58/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Bank Polska Kasa Opieki S.A reported revenue of 17.4B PLN in FY2025 versus 8.6B PLN in FY2021, a compound +19.3%/yr. Reported net income was 7.0B PLN in FY2025, compounding +34.0%/yr from FY2021.
Key figures
Market cap $18.4B · P/E ratio 10.3 · P/S ratio 4.13 · EPS (TTM) $6.84 · Net margin 40.3% · Return on equity 18.8% · Return on assets (EBIT) 1.7% · Revenue (TTM) 15.9B PLN.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −4%, BKPKF screens cheaper than that median.
Fair Value models
Bear $50.29Fair Value $67.41Bull $133.37
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($5.17 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.100/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+18.2%
Start year 2020 (pandemic). Over 10 years: +10.6% a year
Revenue growth 11 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+68.6%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+30.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+30.0%
Dividend (yield on the price)0.0%
Profit margin 2014 to 2018 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.50% → 39%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−9.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+3.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in PLN, Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about −12.3% a year for the price and +0.2% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (23 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
Compare Bank Polska Kasa Opieki S.A with another stock
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score56 · Above median
Fair Value upside−2.8% · Above median
Profitability
Return on equity (TTM)18.8% · Top 25%
Return on assets1.9% · Top 25%
Net margin (TTM)40.9% · Top 25%
Operating margin (TTM)0.0% · Bottom 25%
Growth and dividend
Revenue growth−2.6% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Balance sheet
Debt / equity0.32× · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Bank Polska Kasa Opieki S.A Fair Value". https://www.fairvalue-calculator.com/stock/BKPKF
Frequently asked questions
Is Bank Polska Kasa Opieki S.A (BKPKF) overvalued or undervalued?
As of Oct 1, 2026, our model estimates a fair value of $67.41 versus the last price from Sep 18, 2026 of $70.19, about −4% upside (fairly valued).
What is the fair value of BKPKF?
Our model-based fair value for Bank Polska Kasa Opieki S.A is $67.41 (as of Oct 1, 2026), built from audited fundamentals. Last price (from Sep 18, 2026): $70.19.
What is the quality score of BKPKF?
Bank Polska Kasa Opieki S.A has a Quality Score of 58/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Bank Polska Kasa Opieki S.A (BKPKF)?
Our model-based price target is the fair value of $67.41 (as of Oct 1, 2026) from 4 valuation models. Cautious scenario $50.29, optimistic scenario $133.37. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Polska Kasa Opieki S.A stock forecast for 2026?
Our models put fair value at $67.41, about −4% upside versus the last price from Sep 18, 2026 of $70.19 (fairly valued). Cautious scenario $50.29, optimistic scenario $133.37. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Polska Kasa Opieki S.A (BKPKF)?
Bank Polska Kasa Opieki S.A reported trailing-twelve-month revenue of about 15.9B PLN (latest available figure, as of Oct 1, 2026).
What growth is priced into Bank Polska Kasa Opieki S.A (BKPKF)?
For today's price to be fair in a discounted-cash-flow model, Bank Polska Kasa Opieki S.A would have to grow free cash flow by -9.5 % per year for five years (discount rate 8.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +18.2 % per year. As of Oct 1, 2026.
What discount rate (WACC) does the fair value of BKPKF use?
Our models discount Bank Polska Kasa Opieki S.A at 8.1 %: a base by market capitalisation (large), damped by beta 0.52, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Bank Polska Kasa Opieki S.A that is -9.5 % per year a year over ten years, using the same discount rate (8.1 %) and the same formula as our fair value.
How much growth has Bank Polska Kasa Opieki S.A (BKPKF) delivered so far?
Over the past 5 years revenue at Bank Polska Kasa Opieki S.A grew +18.2 % a year. The price currently implies -9.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Bank Polska Kasa Opieki S.A (BKPKF) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Bank Polska Kasa Opieki S.A (-9.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bank Polska Kasa Opieki S.A (BKPKF)?
The free-cash-flow yield on the price is 11.62 %: that much free cash flow Bank Polska Kasa Opieki S.A produces per unit of market value. When it exceeds the discount rate of our models (8.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bank Polska Kasa Opieki S.A (BKPKF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Polska Kasa Opieki S.A it is $67.41 per share (as of Oct 1, 2026), against a price of $70.19. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Polska Kasa Opieki S.A stock overvalued or undervalued in 2026?
As of Oct 1, 2026, BKPKF trades above its calculated fair value: price $70.19, fair value $67.41, a gap of about −4% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of BKPKF?
No. The price is what the market pays today ($70.19); the fair value is what the company's own numbers justify ($67.41). For Bank Polska Kasa Opieki S.A the two are $2.78 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Polska Kasa Opieki S.A worth?
The market values Bank Polska Kasa Opieki S.A at about $18.4B (market capitalisation, as of Oct 1, 2026). Per share that is $70.19; our models calculate a fair value of $67.41 per share.
What do the bullish and bearish scenarios say about BKPKF?
Our models span a range for Bank Polska Kasa Opieki S.A: cautious scenario $50.29, base $67.41, optimistic $133.37 per share (as of Oct 1, 2026, price $70.19). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BKPKF?
Bank Polska Kasa Opieki S.A trades at a price-to-earnings ratio of 10.3 (as of Oct 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $67.41 is built from several models across several years. Other multiples: P/B 2.0, P/S 4.5.
How solid is the balance sheet of Bank Polska Kasa Opieki S.A (BKPKF)?
Balance-sheet figures for Bank Polska Kasa Opieki S.A (as of Oct 1, 2026): return on equity 18.8%, debt of 0.32 per unit of equity. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
Which stocks are comparable to Bank Polska Kasa Opieki S.A?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Bank Polska Kasa Opieki S.A stock attractive at the current price?
The data as of Oct 1, 2026: price $70.19, calculated fair value $67.41 (−4%), Quality Score 58/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of BKPKF calculated?
We run Bank Polska Kasa Opieki S.A through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $67.41, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Bank Polska Kasa Opieki S.A itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Bank Polska Kasa Opieki S.A (BKPKF)?
The latest price we hold is from Sep 18, 2026 and stands at $70.19. Our model-based fair value is $67.41, about −4% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Polska Kasa Opieki S.A right now?
The model range is unusually wide ($50.29 to $133.37). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Bank Polska Kasa Opieki S.A
How large is the market capitalisation of Bank Polska Kasa Opieki S.A (BKPKF)?
The market capitalisation of Bank Polska Kasa Opieki S.A is $18.4B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Bank Polska Kasa Opieki S.A (BKPKF)?
The price-to-sales ratio of Bank Polska Kasa Opieki S.A is 4.13 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Bank Polska Kasa Opieki S.A (BKPKF)?
Earnings per share at Bank Polska Kasa Opieki S.A are $6.84 (price ÷ EPS = P/E 10.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Polska Kasa Opieki S.A (BKPKF)?
The net margin of Bank Polska Kasa Opieki S.A is 40.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Bank Polska Kasa Opieki S.A (BKPKF)?
The return on equity (ROE) of Bank Polska Kasa Opieki S.A is 18.8% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Bank Polska Kasa Opieki S.A (BKPKF)?
On an EBIT basis the return on assets of Bank Polska Kasa Opieki S.A is 1.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Bank Polska Kasa Opieki S.A (BKPKF)?
Revenue at Bank Polska Kasa Opieki S.A is growing −2.6% versus a year earlier (3y avg +15.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Bank Polska Kasa Opieki S.A (BKPKF)?
Earnings per share at Bank Polska Kasa Opieki S.A are growing −26.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Bank Polska Kasa Opieki S.A (BKPKF) carry?
The net debt of Bank Polska Kasa Opieki S.A is 17.9B PLN (fiscal year 2025, ≈ 2.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Oct 1, 2026