Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

PSZKF
Powszechna Kasa Oszczednosci Bank Polski Spólka AkcyjnaUS flagOther OTC
28.45
USD
-0.92
- -
35.56BMarket Cap
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
8.45
8.98
8.61
9.52
10.12
10.81
11.68
11.66
12.12
13.86
19.39
23.11
24.84
24.93
Basic EPS, GAAP
2.58
2.6
2.09
2.3
2.48
2.99
3.22
-2.05
3.9
2.65
4.4
7.44
8.55
8.59
Free Cash Flow per Basic Share
-1.75
0.97
11.65
5.07
13.7
7.91
3.04
25.29
25.41
14
39.54
-5.72
8.4
13.96
Dividend per Share
1.8
0.75
- -
- -
- -
0.55
1.33
- -
- -
1.83
- -
3.87
5.48
- -
Book Value per Share
3.34
3.55
4.07
3.28
3.43
3.68
5.91
3.87
9.92
10.79
14.05
17.5
18.52
20.54
Tangible Book Value per Share
18.34
19.39
21.6
23.32
26.41
28.72
30.72
29.3
27.38
25.76
33.05
38.57
43.46
44.58
Basic Weighted Avg Shares
1,250
1,250
1,250
1,250
1,250
1,250
1,250
1,250
1,250
1,250
1,250
1,250
1,250
1,250
Sales/Revenue/Turnover
10,567
11,220
10,757
11,898
12,647
13,518
14,601
14,580
15,148
17,325
24,232
28,882
31,050
31,162
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
579
747
819
801
844
821
1,049
1,172
1,211
1,267
1,371
1,532
1,641
1,652
Net Income, GAAP
3,230
3,254
2,610
2,874
3,104
3,741
4,031
-2,557
4,874
3,312
5,502
9,304
10,682
10,735
Effective Tax Rate (%)
20.18
19.62
18.48
23.98
26.83
26.31
30.71
- -
25.18
30.52
35.7
26.9
22.86
25.61
Profit Margin (%)
30.57
29
24.26
24.16
24.54
27.67
27.61
-17.54
32.18
19.12
22.71
32.21
34.4
34.45
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
17,637
36,780
32,274
39,261
32,000
35,701
37,551
38,171
30,008
21,481
22,552
30,161
38,091
36,371
Total Equity
25,154
27,616
30,265
32,569
36,256
39,101
41,578
39,911
37,693
35,707
45,227
52,370
58,503
59,868
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
73.86
75.53
54.79
62.57
73.97
84.12
67.25
-41.86
56.58
25.6
35.45
47.18
47.44
42.92

Capital Structure

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
1,250
1,250
1,250
Market Capitalization
92,532
110,847
112,839

Working Capital

FRC

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
25,859
24,070
24,335
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
7.24%
8.67%
11.71%
Free Cash Flow
51.92%
-44.67%
-246.83%
Net Income, GAAP
-28.97%
-34.53%
14.81%
Sales/Revenue/Turnover
11.65%
16.97%
7.51%
Total Cash Common Dividend
- -
- -
41.62%

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
6,896
6,770
7,346
7,870
28,882
2025
7,629
7,852
7,836
7,704
31,050
2026
7,770
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.64
1.88
1.97
- -
7.44
2025
1.98
2.13
2.27
- -
8.55
2026
2.02
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.28
- -
2.59
- -
3.87
2025
- -
- -
- -
- -
5.48
2026
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Szymon Midera
Full Time Employees
25,704
Sector
Financial Services
Industry
Banks
Address
ul. Swietokrzyska 36 Warsaw MZ Poland 00-116
IPO Date
Oct 10, 2013
Website
pkobp.pl
Business
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO Bank Polski S.A.) is Poland's largest universal commercial bank, providing a comprehensive range of retail, corporate, and investment banking services to individuals, small and medium-sized enterprises, large corporations, and public sector entities. The bank offers core products and services including current and savings accounts, mortgages, personal and business loans, credit cards, payment cards, deposits, liquidity management solutions such as cash pooling and sweeping services, trade finance including guarantees and letters of credit, investment funds through PKO TFI, pension funds via PKO BP Bankowy PTE, leasing through PKO Leasing, factoring, insurance products, and digital banking platforms like iPKO and IKO; its capital group further encompasses car fleet management, IT outsourcing, property management, and transfer agent services. Headquartered at 15 Pulawska Street in Warsaw, Poland, and founded in 1919 as Pocztowa Kasa Oszczednosci, the bank operates primarily in Poland with over 900 branches, more than 3,000 ATMs, and international presence through corporate branches in Germany, Czech Republic, Slovakia, and Romania, as well as subsidiaries in Ukraine, Sweden, and Ireland. PKO Bank Polski maintains a leading market position in retail banking, corporate financing, municipal bonds, and digital payments, serving over 12 million customers with total assets exceeding PLN 500 billion as of 2023. In recent developments, PKO Bank Polski launched its corporate branch in Romania, which in July 2025 financed Maspex Romania's acquisition of over 71% of Purcari Wineries shares via a loan, marking the branch's first major transaction and supporting Polish firms' regional expansion. The bank achieved a historic milestone with its market capitalization surpassing PLN 100 billion, reflecting strong performance amid a 2023-2025 strategy focused on international growth into nine new European markets, cloud computing advancements with Operator Chmury Krajowej, AI-driven solutions, and digital innovation. Leadership transitioned in early 2024 with the appointment of Szymon Midera as President of the Management Board following executive changes, while the group continues to bolster its leasing portfolio through prior acquisitions like Raiffeisen-Leasing Polska and to expand abroad via strategic branches.