Bank Polska Kasa Opieki SA (PEO) fair value: what the stock is really worth
We calculate from audited financials what Bank Polska Kasa Opieki SA is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 18, 2026.
How to read this chart
60‑month range 42.44 PLN – 279.20 PLN · fair‑value band 170.96 PLN – 573.94 PLN · the 279.20 PLN price screens above the 261.17 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 18, 2026.
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 SA (PEO) currently trades at 279.20 PLN, while our model-based Fair Value estimate is 261.17 PLN, implying the stock looks roughly 6.9% fairly valued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of 295.75 PLN per share, and 3 of the 6 models we run sit above the 279.20 PLN price.
Bear case: the Asset-Based group reads lowest at 90.23 PLN, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Scenario range: 170.96 PLN (bear) to 573.94 PLN (bull), the price of 279.20 PLN 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 57/100 (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 SA 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 73.3B PLN (≈ $19.3B) · P/E ratio 11.2 · P/S ratio 4.50 · EPS (TTM) 25.00 PLN · Dividend yield 7.1% · Net margin 40.3% · Return on equity 18.8% · Return on assets (EBIT) 2.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades near its 52-week high and 64% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −31% fair-value upside, at −6%, PEO screens cheaper than that median.
Fair Value models
Bear 170.96 PLNFair Value 261.17 PLNBull 573.94 PLN
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 (3.79 PLN 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.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.
+17.0%
Revenue growth 20 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.
+32.9%
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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.
+33.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+26.5%
Dividend (yield on the price)7.1%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.27% vs 12%, picking up
Profit margin 2019 to 2024 ⓘ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.36% → 60%
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).
−11.4%
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.
+3.1%
Yearly sales growth analysts expect, extended to five years.
Compare Bank Polska Kasa Opieki SA 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 · 1073 stocks
Beats the industry median on 13/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score55 · Above median
Fair Value upside−1% · Above median
Profitability
Return on equity (TTM)19% · Top 25%
Return on assets2% · Top 25%
Net margin (TTM)41% · Top 25%
Operating margin (TTM)48% · Above median
Growth and dividend
Revenue growth−3% · Bottom 25%
Dividend yield (TTM)7.1% · Top 25%
Balance sheet
Debt / equity0.16× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Bank Polska Kasa Opieki SA Fair Value". https://www.fairvalue-calculator.com/stock/PEO
Frequently asked questions
Is Bank Polska Kasa Opieki SA (PEO) overvalued or undervalued?
As of Sep 18, 2026, our model estimates a fair value of 261.17 PLN versus a price of 279.20 PLN, about −6% upside (fairly valued).
What is the fair value of PEO?
Our model-based fair value for Bank Polska Kasa Opieki SA is 261.17 PLN (as of Sep 18, 2026), built from audited fundamentals. The current price: 279.20 PLN.
What is the quality score of PEO?
Bank Polska Kasa Opieki SA has a Quality Score of 57/100. 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 SA (PEO)?
Our model-based price target is the fair value of 261.17 PLN (as of Sep 18, 2026) from 6 valuation models. Cautious scenario 170.96 PLN, optimistic scenario 573.94 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Polska Kasa Opieki SA stock forecast for 2026?
Our models put fair value at 261.17 PLN, about −6% upside versus a price of 279.20 PLN (fairly valued). Cautious scenario 170.96 PLN, optimistic scenario 573.94 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Polska Kasa Opieki SA (PEO)?
Bank Polska Kasa Opieki SA reported trailing-twelve-month revenue of about 16.0B PLN (latest available figure, as of Sep 18, 2026).
Does Bank Polska Kasa Opieki SA pay a dividend?
Bank Polska Kasa Opieki SA currently shows a dividend yield of about 7.08% relative to its recent price (as of Sep 18, 2026).
What growth is priced into Bank Polska Kasa Opieki SA (PEO)?
For today's price to be fair in a discounted-cash-flow model, Bank Polska Kasa Opieki SA would have to grow free cash flow by -11.4 % per year for five years (discount rate 8.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +17.0 % per year. As of Sep 18, 2026.
What discount rate (WACC) does the fair value of PEO use?
Our models discount Bank Polska Kasa Opieki SA at 8.9 %: a base by market capitalisation (large), damped by beta 0.52, country premium for Poland. 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 SA that is -11.4 % per year a year over ten years, using the same discount rate (8.9 %) and the same formula as our fair value.
How much growth has Bank Polska Kasa Opieki SA (PEO) delivered so far?
Over the past 5 years revenue at Bank Polska Kasa Opieki SA grew +17.0 % a year. The price currently implies -11.4 % 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 SA (PEO) growing?
The median revenue growth in the sector is +8.1 % a year. That is the yardstick for the growth priced into Bank Polska Kasa Opieki SA (-11.4 % 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 SA (PEO)?
The free-cash-flow yield on the price is 11.37 %: that much free cash flow Bank Polska Kasa Opieki SA produces per unit of market value. When it exceeds the discount rate of our models (8.9 %), 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 SA (PEO)?
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 SA it is 261.17 PLN per share (as of Sep 18, 2026), against a price of 279.20 PLN. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Bank Polska Kasa Opieki SA stock overvalued or undervalued in 2026?
As of Sep 18, 2026, PEO trades above its calculated fair value: price 279.20 PLN, fair value 261.17 PLN, a gap of about −6% (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 PEO?
No. The price is what the market pays today (279.20 PLN); the fair value is what the company's own numbers justify (261.17 PLN). For Bank Polska Kasa Opieki SA the two are 18.03 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Polska Kasa Opieki SA worth?
The market values Bank Polska Kasa Opieki SA at about 73.3B PLN (market capitalisation, as of Sep 18, 2026). Per share that is 279.20 PLN; our models calculate a fair value of 261.17 PLN per share.
What do the bullish and bearish scenarios say about PEO?
Our models span a range for Bank Polska Kasa Opieki SA: cautious scenario 170.96 PLN, base 261.17 PLN, optimistic 573.94 PLN per share (as of Sep 18, 2026, price 279.20 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of PEO?
Bank Polska Kasa Opieki SA trades at a price-to-earnings ratio of 11.2 (as of Sep 18, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 261.17 PLN is built from several models across several years. Other multiples: PEG 2.9, P/B 0.5, P/S 1.1, EV/EBITDA 3.1.
What is the PEG ratio of PEO?
The PEG ratio of Bank Polska Kasa Opieki SA is 2.91 (P/E divided by earnings growth, as of Sep 18, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Bank Polska Kasa Opieki SA (PEO)?
Balance-sheet figures for Bank Polska Kasa Opieki SA (as of Sep 18, 2026): return on equity 18.8%, debt of 0.16 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is PEO from its 52-week high?
Bank Polska Kasa Opieki SA trades at 279.20 PLN, about 10% below its 52-week high of 253.90 PLN and 64% above the low of 169.95 PLN (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of 261.17 PLN is for.
Which stocks are comparable to Bank Polska Kasa Opieki SA?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 SA stock attractive at the current price?
The data as of Sep 18, 2026: price 279.20 PLN, calculated fair value 261.17 PLN (−6%), Quality Score 57/100, from 6 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 PEO calculated?
We run Bank Polska Kasa Opieki SA through 6 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 261.17 PLN, 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 16.1 % above its aggregate fair value. Bank Polska Kasa Opieki SA 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 SA (PEO)?
The closing price on Sep 21, 2026 was 279.20 PLN. Our model-based fair value is 261.17 PLN, about −6% 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 SA right now?
The model range is unusually wide (170.96 PLN to 573.94 PLN). 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.
Where does the earnings growth of Bank Polska Kasa Opieki SA (PEO) come from?
Earnings per share at Bank Polska Kasa Opieki SA grew +7.3 % a year from 2013 to 2024. Broken into its drivers: revenue per share +7.6 %, EBIT margin +0.5 %, tax rate −0.8 %, residual (interest, one-offs) +0.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Bank Polska Kasa Opieki SA
How large is the market capitalisation of Bank Polska Kasa Opieki SA (PEO)?
The market capitalisation of Bank Polska Kasa Opieki SA is 73.3B PLN (≈ $19.3B). 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 SA (PEO)?
The price-to-sales ratio of Bank Polska Kasa Opieki SA is 4.50 (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 SA (PEO)?
Earnings per share at Bank Polska Kasa Opieki SA are 25.00 PLN (price ÷ EPS = P/E 11.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bank Polska Kasa Opieki SA (PEO)?
The dividend yield of Bank Polska Kasa Opieki SA is 7.1% (payout 79.1%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Bank Polska Kasa Opieki SA (PEO)?
The net margin of Bank Polska Kasa Opieki SA 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 SA (PEO)?
The return on equity (ROE) of Bank Polska Kasa Opieki SA 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 SA (PEO)?
On an EBIT basis the return on assets of Bank Polska Kasa Opieki SA is 2.0% (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.
What is the operating margin of Bank Polska Kasa Opieki SA (PEO)?
The operating margin of Bank Polska Kasa Opieki SA is 47.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Polska Kasa Opieki SA (PEO)?
Revenue at Bank Polska Kasa Opieki SA 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 SA (PEO)?
Earnings per share at Bank Polska Kasa Opieki SA 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 SA (PEO) carry?
The net debt of Bank Polska Kasa Opieki SA 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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Broad data
Sep 18, 2026