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Bank Polska Kasa Opieki S.A.

Bank Polska Kasa Opieki S.A.

PEO.WA
Bank Polska Kasa Opieki S.A.PL flagWarsaw Stock Exchange
235.90
PLN
-1.00
- -
61.92BMarket Cap
Bank Polska Kasa Opieki S.A.
PEO.WA
(Warsaw Stock Exchange)

Recent

price

235.90

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
36,203
46,152
48,567

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
- -
- -
- -
- -
- -
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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.