Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

PSZKY
Powszechna Kasa Oszczednosci Bank Polski Spólka AkcyjnaUS flagOther OTC
28.76
USD
-0.28
- -
35.95BMarket 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
85,299
106,893
106,851

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
24,820
Sector
Financial Services
Industry
Banks - Regional
Address
ul. Pulawska 15 Warsaw MZ Poland 02-515
IPO Date
Apr 21, 2011
Website
pkobp.pl
Business
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO Bank Polski) operates as Poland's largest universal bank, providing a comprehensive range of retail, corporate, and investment banking services to individual clients, small and medium-sized enterprises, large corporations, and public sector entities; core offerings include current and savings accounts, deposits, loans such as overdrafts, working capital facilities, investment loans, and mortgages, trade finance services encompassing guarantees and letters of credit, payment cards including Visa Business debit cards, online banking platforms like iPKO and IKO mobile app, liquidity management solutions such as cash pooling and consolidated accounts, as well as leasing, factoring, investment and pension funds, and insurance through subsidiaries like PKO Leasing SA, PKO Towarzystwo Funduszy Inwestycyjnych SA, and PKO Życie Towarzystwo Ubezpieczeń SA. Founded in 1919 and headquartered at ul. Puławska 15 in Warsaw, Poland, the bank maintains an extensive domestic network of over 1,100 branches and 3,000 ATMs, while extending international operations through corporate branches in Germany, Czech Republic, Romania, and Ukraine, subsidiaries like PJSC KredoBank in Ukraine, and planned representative offices in Lithuania and Sweden as part of an expansion strategy targeting eight new overseas units by 2027 to support Polish firms' regional growth. In recent developments, PKO Bank Polski issued its maiden covered bonds worth 1.16 billion zloty via mortgage unit PKO Bank Hipoteczny in 2025 to tap retail funding amid monetary easing, financed Maspex Romania's acquisition of Purcari Wineries shares through its Romanian branch marking the unit's first transaction, announced openness to acquisitions in Central and Eastern Europe with potential completion of one deal in 2026 under new CEO Szymon Midera to complement organic growth, achieved record 2024 results with core income up 19.6% and assets exceeding 500 billion zloty, and reached a historic market capitalization of 100 billion zloty. The bank, listed on the Warsaw Stock Exchange since 2004 with the Polish State as its largest shareholder holding 31.39%, leads the Polish market with 19.2% share in banking assets, loans, and individual investment funds, emphasizing digital services for over 11 million customers and 6.1 million active IKO users.

Company News

APIChatGPT
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