Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKY) Fair Value & Analysis
Financial Services · US · Market cap $34.9B
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
PSZKY · US
Fair value as of: Jun 26, 2026
From 24 valuation models · updated 26 days ago
Fair value updated Jun 26, 2026, revised from $19.78 to $28.20 (+42.6%) since Jun 24, 2026. Share price −6.2% over the past month.
Price vs Fair Value (12 months)
12‑month range $18.01 – $30.65 · fair‑value band $21.15 – $35.26 · the $28.76 price screens above the $28.20 fair value. As of Jun 26, 2026.
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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKY) currently trades at $28.76, while our model-based Fair Value estimate is $28.20, implying the stock looks roughly 2.0% fairly valued today. We read business quality at 58/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna generated revenue of $29.4B at a net margin of 36.7%. Revenue declined 3.5% year over year. It earns a return on equity of 19.3%. Net debt stands at $19.6B. Fundamentals as of Jun 26, 2026
Our scenario range runs from $21.15 (bear case) to $35.26 (bull case); at $28.76, the current price sits within that range. The share trades about 8% below its 52-week high and 63% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 41% fair-value upside, at -2%, PSZKY screens richer than that median.
Key figures & financial health
More key figures
Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.
About the company
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 …
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna reported revenue of $30.5B in FY2025 versus $15.8B in FY2021, a compound +17.9%/yr. Reported net income was $10.2B in FY2025, compounding +20.3%/yr from FY2021.
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Recent news
- PKO Bank Polski SA (PSZKF) Q1 2026 Earnings Call Highlights: Strategic Growth Amidst Challenges
- Why The Narrative Around PKO Bank Polski (WSE:PKO) Is Evolving Without New Analyst Guidance
- PKO Leasing Selects Camunda to Scale End-to-End Financial Operations
- Shifting Narrative For PKO Bank Polski (WSE:PKO) As Analyst Views And Valuation Debate Evolve
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection, not financial advice.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Jun 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| PT Bank Central Asia Tbk BBCA | 4,850 IDR | 5,562 IDR | +15% |
| KB Financial Group 105560 | 151,900 KRW | 213,797 KRW | +41% |
| PT Bank Rakyat Indonesia (Persero) Tbk BBRI | 2,590 IDR | 5,180 IDR | +100% |
| PT Bank Mandiri (Persero) Tbk BMRI | 4,220 IDR | 8,440 IDR | +100% |
| Banco Bradesco S.A BBD | 5,120 ARS | 10,240 ARS | +100% |
| Shinhan Financial Group 055550 | 97,500 KRW | 119,389 KRW | +22% |
| Hana Financial Group 086790 | 117,900 KRW | 139,000 KRW | +18% |
| Lloyds Banking Group LYG | 4,138 ARS | 8,275 ARS | +100% |
| Banco de Chile, CHILE | 179.00 CLP | 92.69 CLP | -48% |
| Joint Stock Commercial Bank for Foreign Trade of Vietnam, VCB | 61,300 VND | 84,201 VND | +37% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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Not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.