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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna $22.11, price $29.42, upside -24.9%, quality 55 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

Fair value above price? No
Good quality? Yes
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Financial Services · US · ISIN PLPKO0000016

Some data Oct 3, 2026

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

PSZKF · US

Overvalued / MonitorQuality is not strong enough to offset the price risk.

!Fair value $22.11 · Overvalued (−24.9%)

!Quality 55/100

✓Healthy Growth (revenue 5y +20.1 %/yr)

✓Highly profitable · 36.7% net margin (TTM)

✓Moderate debt · generates free cash flow

✓Wide moat 68/100

!Evidence only medium, so the estimate is less certain

26 models, one by oneBear $16.58 to bull $27.64 Growth analysisrevenue history, year by year Quality 55/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.

How to read this chart

60‑month range $3.52 – $33.85 · fair‑value band $16.58 – $27.64 · the $29.42 price screens above the $22.11 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.

Which stocks are undervalued right now? Check free Discover now →

Company profile

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.

Stock analysis

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF) currently trades at $29.42, while our model-based Fair Value estimate is $22.11, 24.9% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Economic Profit group reads highest at a median of $18.35 per share, and 0 of the 4 models we run sit above the $29.42 price.

Bear case: the Asset-Based group reads lowest at $8.05, and 4 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $16.58 (bear) to $27.64 (bull), the price of $29.42 sits above 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 55/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna reported revenue of 40.1B PLN in FY2025 versus 15.8B PLN in FY2021, a compound +26.2%/yr. Reported net income was 10.7B PLN in FY2025, compounding +21.6%/yr from FY2021.

Key figures

Market cap $35.4B · P/E ratio 12.5 · P/S ratio 3.33 · EPS (TTM) $2.35 · Net margin 26.6% · Return on equity 19.3% · Return on assets (EBIT) 1.8% · Revenue (TTM) 29.4B PLN.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (medium confidence).

What moves the price

The share trades about 13% below its 52-week high and 50% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −25%, PSZKF screens cheaper than that median.

Fair Value models

Bear $16.58 Fair Value $22.11 Bull $27.64

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 ($1.78 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.

Highest evidence

Residual Income $14.02 $18.35 $30.53 74

P/E Multiple $21.38 $28.51 $35.63 63

P/B Multiple $12.61 $16.82 $21.02 55

All 4 models by family

Multiples

P/E Multiple $21.38 $28.51 $35.63 63

P/B Multiple $12.61 $16.82 $21.02 55

Asset-Based

NCAV (Graham) $6.01 $8.05 $12.01 54

Economic Profit

Residual Income $14.02 $18.35 $30.53 74

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Quality Score breakdown

Overall quality 55/100

Of which business quality 50 · Market factors (momentum, volatility) 74

Profitability 41

Margins and returns on capital today

Quality Growth 33

Are margins and returns improving?

Cashflow 77

Earnings quality: real cash, not paper profit

Fin. Strength 13

Balance sheet, leverage, solvency risk

Investment 50

Disciplined investing over empire-building

Low Volatility 44

Calm price path (market factor)

Momentum 84

Price trend over the last 3–12 months (market factor)

52W Momentum 89

Distance to the 52-week high (market factor)

Net Issuance 100

Share count: buybacks or dilution?

Open the full quality analysis →

Revenue & earnings trend

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

+3.2%

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.

+16.1%

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.

+20.1%

Start year 2020 (pandemic). Over 10 years: +11.6% a year

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.

+8.0%

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’16

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’21

’22

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’24

’25

What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.

+67.5%

Earnings growth per share plus dividend.

Earnings per share, growth per year+67.5%

Dividend (yield on the price)0.0%

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.53.8% vs 29.6%, picking up

Profit margin 2020 to 2025 ⓘ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.−11% → 35%

2025 sits 597% above its own trend. The rate follows the median trend of the last 5 years, not that single year.

Start year 2020 (pandemic)

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).

−13.0%

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.

−1.6%

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 −15.6% a year for the price and −4.6% for the forecasts.

Forecast 2026 (sales)−22.2%

Forecast 2027 (sales)+4.9%

Projected 2028 (sales)+4.5%

Projected 2029 (sales)+4.2%

Projected 2030 (sales)+3.8%

PSZKF screens overvalued: fair value 25% below the price. Compare with DBS Group →

Earlier news

News mood ⓘNews mood, the average tone of recent news (33 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. Neutral

Recent news coverage is roughly neutral, about typical for how stocks are covered.

PKO Bank Polski SA (PSZKF) (H1 2026) Earnings Call Highlights: Record Net Profit and Strategic ... Yahoo Finance · Aug 15, 2026
PKO Bank Polski SA (PSZKF) Q1 2026 Earnings Call Highlights: Strategic Growth Amidst Challenges Yahoo Finance · Jun 9, 2026

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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 8/14 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 54 · Below median

Fair Value upside +41.9% · Top 25%

Profitability

Return on equity (TTM) 19.3% · Top 25%

Return on assets 1.9% · Top 25%

Net margin (TTM) 36.7% · Above median

Operating margin (TTM) 0.0% · Bottom 25%

Growth and dividend

Revenue growth −3.5% · Bottom 25%

Dividend yield (TTM) 0.0% · Bottom 25%

Balance sheet

Debt / equity 0.56× · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 12.5× · Pricier than median

P/B 0.61× · Cheapest 25%

P/S (TTM) 1.20× · Cheapest 25%

P/FCF 4.9× · Cheapest 25%

EV/EBITDA 3.2× · Cheapest 25%

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock	Price	Fair Value	vs Fair Value
DBS Group D05	78.00 SGD	40.39 SGD	−48%
China Merchants Bank Co 600036	¥40.69	¥52.73	+30%
UniCredit S.p.A UCG	€79.53	€77.12	−3%
Mizuho Financial Group MFG	$11.05	$6.82	−38%
Intesa Sanpaolo S.p.A ISP	€6.38	€4.06	−36%
BNP Paribas SA BNP	€91.54	€105.99	+16%
HDFC Bank Limited HDFCBANK	₹721.20	₹406.44	−44%
Oversea-Chinese Banking Corporation O39	32.01 SGD	19.78 SGD	−38%
Al Rajhi Banking and Investment Corporation 1120	63.15 SAR	36.95 SAR	−41%
CaixaBank, S.A CABK	€12.03	€8.46	−30%

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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna · Fair Value
$22.11 −25%Fair Value
Calculator →

<a href="https://www.fairvalue-calculator.com/stock/PSZKF" target="_blank" rel="nofollow noopener" style="display:inline-flex;align-items:center;gap:12px;box-sizing:border-box;font-family:system-ui,-apple-system,Segoe UI,Roboto,sans-serif;text-decoration:none;background:#0f1814;color:#eaf2ed;border:1px solid #2a3a30;border-radius:12px;padding:12px 16px;max-width:360px"><span style="line-height:1.35"><span style="font-size:12px;color:#9fb0a8">Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna · Fair Value</span><br><b style="font-size:20px">$22.11</b> <span style="color:#e0816f;font-weight:700;font-size:14px">−25%</span></span><span style="font-size:11px;color:var(--fvc-g-mitte);font-weight:700;margin-left:auto;text-align:right;line-height:1.3">Fair&nbsp;Value<br>Calculator&nbsp;→</span></a>

Cite: Fair Value Calculator (2026). "Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Fair Value". https://www.fairvalue-calculator.com/stock/PSZKF

Frequently asked questions

Is Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF) overvalued or undervalued?

As of Oct 3, 2026, our model estimates a fair value of $22.11 versus a price of $29.42, about −25% upside (overvalued).

What is the fair value of PSZKF?

Our model-based fair value for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is $22.11 (as of Oct 3, 2026), built from audited fundamentals. The current price: $29.42.

What is the quality score of PSZKF?

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna has a Quality Score of 55/100. 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

Our model-based price target is the fair value of $22.11 (as of Oct 3, 2026) from 4 valuation models. Cautious scenario $16.58, optimistic scenario $27.64. It is a calculation from audited fundamentals, not an analyst target.

What is the Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna stock forecast for 2026?

Our models put fair value at $22.11, about −25% upside versus a price of $29.42 (overvalued). Cautious scenario $16.58, optimistic scenario $27.64. The calculation is refreshed regularly with new filings.

What is the revenue of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna reported trailing-twelve-month revenue of about 29.4B PLN (latest available figure, as of Oct 3, 2026).

What growth is priced into Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

For today's price to be fair in a discounted-cash-flow model, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna would have to grow free cash flow by -13.0 % per year for five years (discount rate 8.4 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +20.1 % per year. As of Oct 3, 2026.

What discount rate (WACC) does the fair value of PSZKF use?

Our models discount Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna at 8.4 %: a base by market capitalisation (large), damped by beta 0.65, 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna that is -13.0 % per year a year over ten years, using the same discount rate (8.4 %) and the same formula as our fair value.

How much growth has Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF) delivered so far?

Over the past 5 years revenue at Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna grew +20.1 % a year. The price currently implies -13.0 % 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF) growing?

The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (-13.0 % 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

The free-cash-flow yield on the price is 18.29 %: that much free cash flow Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna produces per unit of market value. When it exceeds the discount rate of our models (8.4 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.

What is the intrinsic value of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna it is $22.11 per share (as of Oct 3, 2026), against a price of $29.42. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).

Is Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna stock overvalued or undervalued in 2026?

As of Oct 3, 2026, PSZKF trades above its calculated fair value: price $29.42, fair value $22.11, a gap of about −25% (overvalued). 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 PSZKF?

No. The price is what the market pays today ($29.42); the fair value is what the company's own numbers justify ($22.11). For Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna the two are $7.31 per share apart. That gap is exactly why we show both numbers side by side.

How much is Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna worth?

The market values Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna at about $35.4B (market capitalisation, as of Oct 3, 2026). Per share that is $29.42; our models calculate a fair value of $22.11 per share.

What do the bullish and bearish scenarios say about PSZKF?

Our models span a range for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna: cautious scenario $16.58, base $22.11, optimistic $27.64 per share (as of Oct 3, 2026, price $29.42). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of PSZKF?

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna trades at a price-to-earnings ratio of 12.5 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $22.11 is built from several models across several years. Other multiples: P/B 0.6, P/S 1.2, EV/EBITDA 3.2.

How solid is the balance sheet of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

Balance-sheet figures for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (as of Oct 3, 2026): return on equity 19.3%, debt of 0.56 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.

How far is PSZKF from its 52-week high?

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna trades at $29.42, about 13% below its 52-week high of $33.85 and 50% above the low of $19.67 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $22.11 is for.

Which stocks are comparable to Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna?

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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna stock attractive at the current price?

The data as of Oct 3, 2026: price $29.42, calculated fair value $22.11 (−25%), Quality Score 55/100, 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 PSZKF calculated?

We run Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna 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 $22.11, 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. Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

The closing price on Oct 2, 2026 was $29.42. Our model-based fair value is $22.11, about −25% upside (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna right now?

The price sits above even our optimistic bull case ($27.64). The favourable scenario is already priced in. Solid but not exceptional quality (55/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF) come from?

Earnings per share at Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna grew +16.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +15.5 %, EBIT margin +1.6 %, tax rate −1.0 %, 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

How large is the market capitalisation of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

The market capitalisation of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is $35.4B. 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

The price-to-sales ratio of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is 3.33 (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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

Earnings per share at Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna are $2.35 (price ÷ EPS = P/E 12.5). Earnings per share over the last twelve months: total profit spread across every single share.

What is the net margin of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

The net margin of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is 26.6% (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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

The return on equity (ROE) of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is 19.3% (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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

On an EBIT basis the return on assets of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is 1.8% (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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

Revenue at Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is growing −3.5% versus a year earlier (3y avg +16.1%). 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF)?

Earnings per share at Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna are growing +11.2% versus a year earlier. How much earnings per share grew versus a year earlier.

How much net debt does Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF) carry?

The net debt of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is 19.6B PLN (fiscal year 2025, ≈ 2.7 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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