Bank Polska Kasa Opieki S.A.

Bank Polska Kasa Opieki S.A.

BKPKF
Bank Polska Kasa Opieki S.A.US flagOther OTC
63.96
USD
- -
- -
16.79BMarket Cap
Bank Polska Kasa Opieki S.A.
BKPKF
(Other OTC)

Recent

price

63.96

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
26.99
28.9
29.51
27.18
28.11
27.15
28.11
29.94
29.64
31.78
30.25
32.83
42.88
58.36
61.58
66.34
65.37
Revenue per Share
9.63
11.05
11.22
10.61
10.34
8.73
8.68
9.43
8.71
8.25
4.2
8.29
6.54
25.37
24.29
26.73
25.62
Basic EPS, GAAP
22.63
-15.11
-0.57
24
-20.97
-6.08
42.66
1.9
-24.61
-7.73
90.55
0.4
68.44
107.22
90.7
31.75
75.75
Free Cash Flow per Basic Share
2.9
6.8
5.38
8.39
9.96
10
8.7
8.68
7.9
6.6
- -
3.21
4.3
5.42
19.2
18.37
- -
Dividend per Share
10.79
11.68
12.04
10.88
11.53
9.67
9.61
10.31
7.36
10.37
12.35
16.37
14.42
32.55
31.13
33.53
19.32
Book Value per Share
74.49
78.02
86.05
87.14
89.17
86.76
84.97
82.78
81.08
82.98
89.48
82.15
78.19
106.8
111.88
124.97
109.18
Tangible Book Value per Share
262
262
262
262
262
262
262
262
262
262
262
262
262
262
262
262
263
Basic Weighted Avg Shares
7,082
7,581
7,743
7,135
7,377
7,127
7,379
7,858
7,778
8,342
7,939
8,618
11,255
15,318
16,164
17,413
17,161
Sales/Revenue/Turnover
- -
- -
- -
46.97
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
391
376
369
346
327
331
341
347
371
504
539
648
616
634
702
739
738
Depreciation Expense
2,525
2,899
2,943
2,785
2,715
2,292
2,279
2,475
2,287
2,165
1,102
2,175
1,717
6,659
6,376
7,015
6,726
Net Income, GAAP
18.18
18.98
19.44
19.09
18.89
18.99
21.29
21.48
24.92
27.84
36.06
27.49
40.35
22.23
21.47
21.67
22.2
Effective Tax Rate (%)
35.66
38.24
38.01
39.03
36.8
32.17
30.89
31.5
29.4
25.95
13.88
25.24
15.26
43.47
39.45
40.29
39.19
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
3,886
3,044
7,451
6,112
7,101
6,167
4,772
7,035
7,243
9,072
15,617
13,052
18,555
18,583
25,038
30,681
25,313
LT Debt
20,257
21,173
23,264
23,514
24,046
23,424
22,912
23,268
22,808
23,398
25,495
23,863
22,775
30,428
31,914
35,362
31,160
Total Equity
- -
- -
- -
8.98
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
91.29
98.34
94.55
92.6
92.3
82.38
90.09
94.69
98.64
93.09
36.96
57.71
42.5
108.03
76.3
82.67
137.22
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
262
262
262
Market Capitalization
33,904
42,927
46,686

Working Capital

FRC

in mil. unless spec.
Dec'24
Mar'25
Jun'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
14,274
17,230
17,932
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
4.72%
7.66%
10.8%
Free Cash Flow
1,318.52%
3,363.16%
-64.99%
Net Income, GAAP
31.59%
73.99%
10.02%
Sales/Revenue/Turnover
9.99%
17.7%
7.73%
Total Cash Common Dividend
- -
51.73%
-4.31%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
3,910
3,743
4,091
4,418
16,164
2025
4,259
4,393
4,437
- -
17,413
2026
4,170
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5.78
5.41
6.96
- -
24.29
2025
6.42
6.1
- -
- -
26.73
2026
4.69
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
19.2
2025
- -
- -
- -
- -
18.37
2026
- -
- -
- -
- -
- -
Business
Bank Polska Kasa Opieki S.A. (Bank Pekao) operates as a universal commercial bank headquartered in Warsaw, Poland, providing a comprehensive range of banking and financial services predominantly within Poland. Its core offerings include retail banking products such as current accounts, deposits, payment cards, consumer and mortgage loans; private banking services; business banking solutions for SMEs; corporate and investment banking services encompassing advisory in mergers and acquisitions, advanced treasury operations, capital market products, custody services, structured finance, leasing, factoring, issuance and arranging of debt securities, and brokerage services. The bank also delivers services in financial intermediation, transfer agency, online payment systems, and transactional banking. Bank Pekao's customer base spans private individuals, small and medium enterprises, and large corporate clients, positioning it as one of Poland's leading banking institutions. Founded in 1929, Bank Pekao has undergone significant evolution, including acquisition from UniCredit Group in 2017 by Powszechny Zakład Ubezpieczeń and the Polish Development Fund, marking a strategic shift towards strong domestic ownership. Recent major company developments include the completion in 2025 of the division of Pekao Bank Hipoteczny, a subsidiary focused on mortgage banking, which represents a structural refinement of its mortgage activities. The bank continues a technology-driven expansion with a strong emphasis on digital transformation, highlighted by over 90% of cash loans now being extended through digital channels, driving growth in loan portfolios by 8% year-over-year and deposit bases by 6%. Financial performance remains robust with a reported net profit of PLN 5.2 billion in the first nine months of 2024 and a return on equity of 21.5%, reflecting operational efficiency and market confidence. The bank’s strategic outlook for 2025-2027 focuses on sustainable growth, digital services enhancement, and expanding its corporate and investment banking footprint. Bank Pekao operates primarily in Poland, serving the retail, corporate, and investment segments extensively, leveraging a widespread branch network complemented by an advanced online banking platform. It is rated A2 by Moody's with a stable outlook, reinforcing its credit strength and market stability. The bank’s comprehensive service model includes asset management and private banking leadership in Poland, reflecting its full-spectrum financial service capability and market position as one of the country’s largest banking groups by total assets and loan portfolio. Bank Pekao continues to invest in technology and customer-centric solutions to maintain competitive advantage across its core business segments.

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