Bank Polska Kasa Opieki S.A.

Bank Polska Kasa Opieki S.A.

58.40
EUR
-2.12
(-3.50%)
6.77EPS
7.79P/E
13.83BMarket Cap
Oct 29Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
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
82.18
Basic EPS, GAAP
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
29.06
Free Cash Flow per Basic Share
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
134.45
Dividend per Share
8.39
9.96
10
8.7
8.68
7.9
6.6
- -
3.21
4.3
5.42
19.2
18.37
- -
Book Value per Share
89.23
91.51
89.18
87.24
88.65
86.85
89.1
97.09
90.87
86.73
115.88
121.54
134.67
125.28
Tangible Book Value per Share
86.78
89.06
86.7
84.91
82.78
81.04
82.94
89.44
82.11
78.14
106.76
111.83
124.92
115.57
Basic Weighted Avg Shares
262
262
262
262
262
262
262
262
262
262
262
262
262
212
Sales/Revenue/Turnover
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
17,460
Operating Margin (%)
46.97
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
346
327
331
341
347
371
504
539
648
616
634
702
739
759
Net Income, GAAP
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
6,173
Effective Tax Rate (%)
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
27.98
Profit Margin (%)
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
35.36
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
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
31,589
Total Equity
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
32,893
Return on Invested Capital (%)
9.85
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
9.2
8.9
7.55
7.96
8.53
7.58
6.92
2.99
5.57
4.38
14.74
12.03
11.4
10.14
Return on Common Equity (%)
11.95
11.45
9.67
9.84
10.72
9.93
9.38
4.51
8.82
7.37
25.04
20.46
20.86
18.47

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
262
262
262
Market Capitalization
53,189
57,780
59,423

Working Capital

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12,016
14,467
21,210
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

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
- -
- -
-4.31%

Quarterly Revenue

PLN

•

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
4,460
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
5.78
5.41
6.96
26.31
24.29
2025
6.42
6.1
- -
29.34
26.73
2026
4.69
5.78
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
19.2
2025
- -
- -
- -
- -
18.37
2026
- -
- -
- -
- -
- -

Company Description

CEO
Cezary Stypulkowski
Full Time Employees
14,911
Sector
Finance
Industry
Regional banks
Address
ul. Zubra 1 Warsaw MZ Poland 01-066
IPO Date
Jun 30, 1998
Business
Bank Polska Kasa Opieki S.A. Bank Polska Kasa Opieki S.A. (PEO.WA), known commercially as Bank Pekao S.A., operates as Poland's second-largest universal bank by total assets, providing a comprehensive range of retail, corporate, private, enterprise, and investment banking products and services primarily to individual, small and medium-sized enterprise, corporate, and institutional clients in Poland. The bank offers current and savings accounts, term deposits and certificates of deposit, payment cards, mortgage loans, consumer loans, operating loans, investment loans, cash loans, corporate loans, small and medium enterprise loans, commercial real estate financing; insurance products, brokering and sale of investment products, leasing, factoring, debt securities issuance arrangement, specialized financing forms, transactional banking, investment advisory, mergers and acquisitions advisory, advanced treasury services, capital market products, custody services, structured finance, debtor financial information collection, debt collection, settlements accounting, payment monitoring, mass transaction settlement, factoring-related loans and credits, brokerage for large and medium enterprises and financial institutions, payment card management systems, transaction authorization, card personalization, online payment systems, financial intermediation, and transfer agent services; it also provides asset management through Pekao TFI, pension funds, business consulting, call-center operations, real estate development, and online banking via platforms such as PeoPay and Pekao24. Founded in 1929 by Poland's Ministry of Treasury to serve the Polish diaspora abroad and headquartered in Warsaw's Forest Tower, the bank maintains an extensive domestic network of over 650 outlets and 1,475 ATMs with historic international presence in countries including France, Argentina, the United States, and Israel. In recent developments, the bank pursues a potential merger with Alior Bank following PZU SA's planned stake acquisition in 2025 to enhance efficiency, market position, and synergies in corporate banking, mortgages, and cash products; it signed a June 2025 memorandum of understanding with PZU SA for capital group reorganization amid regulatory changes like CRR and Solvency II, aiming to unlock up to PLN 20 billion in capital surplus; and it continues innovations in mobile banking, with active customers reaching 3.7 million in Q3 2025 alongside robust financial performance including PLN 6.4 billion net income in 2024.

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