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Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna (WSE:PKO)

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Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

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Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna stock research in summary

pkobp.pl

ANALYSIS: With an Obermatt Combined Rank of 42 (worse than 58% compared with investment alternatives), Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna (Diversified Banks, Poland) shares have somewhat below-average financial characteristics compared with similar stocks. Shares of Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna are low in value (priced high) with a consolidated Value Rank of 31 (worse than 69% of alternatives), and are riskily financed (Safety Rank of 30, which means above-average debt burdens) but show above-average growth (Growth Rank of 79). ...read more

RECOMMENDATION: A Combined Rank of 42, is a hold recommendation based on Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna's financial characteristics. As the company Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna shows low value with an Obermatt Value Rank of 31 (69% of comparable investments are less expensive), investors should look at the other ranks. In this case, growth is expected to be above-average, better than 79% of comparable companies (Obermatt Growth Rank is 79). This is a typical case. Companies with above average growth tend to cost more than stocks with slower growth expectations. If this is a high-growth company, the low Obermatt Safety Rank of 30 is a good sign. The more debt a well-performing company has, the higher the returns to shareholders. However, if growth turns negative or interest rates increase, high debt may become a burden. If you believe the future is bright for Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna, even a low-value company (in terms of its key financial indicators) can be a good investment. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	31
Growth Rank	79
Safety Rank	30
Combined Rank	42

Country	Poland
Industry	Diversified Banks
Index	Dividends Europe, Employee Focus EU, Employee Health EU, Sound Pay Europe, WIG 20
Size class	Small

This stock has achievements: Top 10 Stock.

31-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	31	20	23	31
GROWTH
GROWTH	17	66	93	79
SAFETY
SAFETY	13	31	12	30
SENTIMENT
SENTIMENT	80	96	67	^new
360° VIEW
360° VIEW	11	60	55	^new

Most recent update of the stock research: 31-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	31	20	23	31
GROWTH
GROWTH	17	66	93	79
SAFETY
SAFETY	13	31	12	30
COMBINED
COMBINED	1	28	37	42

Last update of combined financial performance: 31-Jul-2025. Stock analysis on combined financial performance: The higher the rank of Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 31 (worse than 69% compared with alternatives), Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna shares are more expensive than the average comparable stock. The Value Rank is based on consolidating four value indicators, with three out of four indicators below average for Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna. Only the metric dividend yield has an above-average rank, reflecting that dividend practices are expected to be higher than 78% of comparable companies, making the stock an attractive buy for dividend investors. However, dividend investors may get disappointed because all other critical financial indicators are below the market median: Price-to-Sales is 27 which means that the stock price compared with what market professionals expect for future profits is higher than 73% of comparable companies, indicating a low value concerning Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna's sales levels. The same is valid for Price-to-Profit (also referred to as price-earnings, P/E) with a rank of 47 which means that the stock price compared with what market professionals expect for future profit levels is higher than 53% of comparable companies. In addition, Price-to-Book (also referred to as market-to-book ratio) with a Price-to-Book Rank of 9 is also low. Compared with invested capital, the stock price is higher than for 91% of comparable investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 31, is a hold recommendation based on Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna's stock price compared with the company's operational size and dividend yields. Should dividend investors pick Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna? The company-reported financials speak against it. The company is expensive compared with revenue and invested capital levels, two reliable company size indicators. In addition, it currently has a low level of profits. How can future dividends be paid in the case that profits remain low? Dividend investors should choose Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna only if they reasonably expect the low current profit levels to be transitory. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is essential in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	25	20	27	27
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	30	23	36	47
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	14	10	7	9
DIVIDEND YIELD
DIVIDEND YIELD	76	76	77	78
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	31	20	23	31

Last update of Value Rank: 31-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 79 (better than 79% compared with alternatives) for 2025, Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna shows one of the highest growth dynamics in its industry. Investors also speak of high momentum. The Growth Rank is based on consolidating four value indicators, with all but one indicator above average for Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna. Profit Growth has a rank of 91 which means that currently professionals expect the company to grow its profits more than 91% of its competitors. The same is valid for capital growth and stock returns. Capital Growth has a rank of 89, and Stock Returns has a rank of 67 which means that the stock returns have recently been above 67% of alternative investments. Only revenue growth is low with a Sales Growth has a rank of 12 (88% of its competitors are better). ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 79, is a buy recommendation for growth and momentum investors. The many positive growth indicators indicate a positive growth momentum with only low revenue growth. That can also be attributed to divestments or the sale of unprofitable businesses. If that is the reason, overall growth is well on track to making this stock attractive for growth investors. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	86	52	56	12
PROFIT GROWTH
PROFIT GROWTH	11	91	98	91
CAPITAL GROWTH
CAPITAL GROWTH	7	13	92	89
STOCK RETURNS
STOCK RETURNS	65	88	55	67
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	17	66	93	79

Last update of Growth Rank: 31-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 30 (better than 30% compared with alternatives), the company Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna has financing practices on the riskier side, which means that their overall debt burden is above the industry average. This doesn't mean that the business of Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with two out of three indicators above average for Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna. Leverage is at a rank of 54, meaning the company has a below-average debt-to-equity ratio. It has less debt than 54% of its competitors. Liquidity is also good at a rank of 62, meaning the company generates more profit to service its debt than 62% of its competitors. This indicates that the company is on the safer side when it comes to debt service. But Refinancing is lower at a rank of 18, which means that the portion of the debt that is about to be refinanced is above-average. It has more debt in the refinancing stage than 82% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 30 (worse than 70% compared with alternatives), Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna has a financing structure that is riskier than that of its competitors. The refinancing issues could be a short-term problem, especially if the company has reputation issues. Banks and investors don't like to refinance debt if there are clouds on the horizon. For this reason, investors should look at the refinancing environment for Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna. Does it look safe that debt that is coming due can be covered with new debt? If that is the case, then the financing situation of the company is on the safer side. If not, it may be better to wait until refinancing has been completed and the Refinancing rank is good again. Investors may have a short-term debt challenge with Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	20	44	52	54
REFINANCING
REFINANCING	13	11	4	18
LIQUIDITY
LIQUIDITY	82	92	52	62
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	13	31	12	30

Last update of Safety Rank: 31-Jul-2025. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	56	93	^new
OPINIONS CHANGE
OPINIONS CHANGE	50	94	44	^new
PRO HOLDINGS
PRO HOLDINGS	75	90	99	^new
MARKET PULSE
MARKET PULSE	29	78	11	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	80	96	67	^new

Last update of Sentiment Rank: 31-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Powszechna Kasa Oszczednosci Bank Polski Spolka Akcyjna.
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