Powszechna Kasa Oszczednosci Bank Polski SA

Powszechna Kasa Oszczednosci Bank Polski SA

PKO · WAR · Financial Services / Banks - Regional

115.84PLN+0.66 (+0.57%)

Price History

Full chart

Market Stats

Previous Close115.18
Open114.6
Day Range113.4 – 116.18
52-Week Range68.79 – 125.58
Volume2.80M
Market Cap149.62B
P/E (TTM)13.79
Forward P/E5.95
EPS8.68
Dividend Yield5.19%
Beta0.63
50-Day Avg115.58
200-Day Avg100.38

About

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides various banking products and services in Poland and internationally. It operates through three segments: Retail, Corporate and Investment, and Transfer Center and Other. The company offers current, currency, children and teenagers, and savings accounts; term deposits; and consumer, real estate, business, mortgage, and corporate loans. It also provides investment and insurance products; investment funds; credit, account, and debit cards; payments and online banking services; and private banking, electronic, and mobile banking services; leases and factoring services to firms and enterprises, developers, cooperatives, and property managers; and cash management and trade finance services, safekeeping of securities, and currency products and derivatives. In addition, the company is involved in agreement for financing large projects; issuing non-treasury securities; and investing and brokerage activities, as well as transactions in derivative instruments and debt securities; investment and pension fund management; sale of post-lease assets; securitization of lease receivables; lease of cars; outsourcing of IT specialists; and developing, leasing, buying, selling, and managing real estate. Further, it offers life, house and apartment, travel, health, banking product, and personal insurance; and transfer agent, debt collection, and fleet management services. It serves its products and services to individual customers, companies, enterprises, and corporations and local governments. The company was founded in 1919 and is based in Warsaw, Poland.

Company Details

  • SectorFinancial Services
  • IndustryBanks - Regional
  • CEOMr. Szymon Midera
  • Employees25.70K
  • Headquartersul. Swietokrzyska 36, Warsaw, Poland, 00-116, Poland
  • Websitehttps://www.pkobp.pl

Leadership

  • Mr. Piotr MazurVP of Management Board & Chief Risk Officer · b. 1966
  • Mr. Szymon MideraActing CEO & President of Management Board · b. 1975
  • Mr. Wojciech Bartlomiej PapierakVice President of Management Board · b. 1967
  • Mr. Mariusz ZarzyckiVice-President of the Management Board · b. 1967
  • Mr. Krzysztof Dresler CFADeputy CEO & Vice-President of the Management Board · b. 1973
  • Ms. Ludmila Falak-CyniakVice-President of the Management Board · b. 1974
  • Mr. Michal SobolewskiVice President of the Management Board · b. 1980
  • Mr. Tomasz PolVice President of Management Board
  • Mr. Piotr StolarczykVice President of Management Board
  • Danuta SzymanskaDirector of the Accounting Division

Financials

Income Statement

Line item2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue8.55B8.77B9.83B12.46B13.08B14.33B15.14B17.00B14.61B14.43B13.39B14.11B14.96B15.77B16.95B16.04B15.78B25.61B37.11B38.85B31.87B
Cost of Revenue2.12B1.76B1.91B2.91B3.98B3.90B4.31B5.11B4.04B3.21B2.63B2.21B2.31B2.25B2.35B1.46B686.00M8.33B12.90B9.99B9.99B
Gross Profit6.43B7.01B7.92B9.56B9.10B10.43B10.83B11.89B10.57B11.22B10.76B11.90B12.65B13.52B14.60B14.58B15.09B17.28B24.21B28.87B21.88B
Operating Income2.17B2.70B3.61B3.98B2.94B4.08B4.91B4.63B4.04B4.03B3.19B3.78B4.25B5.08B5.82B-1.70B6.51B4.77B8.56B12.73B13.72B
EBITDA2.63B3.02B3.99B4.41B3.41B4.59B5.37B5.17B4.62B4.78B4.01B4.58B5.09B5.90B6.87B-524.00M7.72B6.03B9.93B14.26B14.27B
Net Income1.73B2.15B2.90B3.12B2.31B3.22B3.95B3.74B3.23B3.25B2.61B2.87B3.10B3.74B4.03B-2.56B4.87B3.31B5.50B9.30B10.68B
Interest Expense2.12B1.76B1.91B2.91B3.98B3.90B4.31B5.11B4.04B3.21B2.63B2.21B2.31B2.25B2.35B1.46B686.00M8.33B12.90B9.99B9.05B

Balance Sheet

Line item2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets91.61B101.26B108.57B134.64B156.48B169.66B190.75B191.02B199.23B248.70B266.94B285.57B296.91B324.25B348.04B376.97B418.09B430.68B501.52B525.23B583.08B
Total Liabilities82.84B91.08B96.59B120.64B136.04B148.30B167.93B166.37B174.08B221.09B236.68B253.00B260.66B285.15B306.47B337.06B380.39B395.25B456.29B472.86B524.58B
Total Equity8.73B10.08B11.92B13.95B20.43B21.36B22.82B24.65B25.15B27.63B30.28B32.58B36.27B39.11B41.59B39.92B37.71B35.45B45.24B52.38B58.51B
Cash16.53B17.28B9.97B8.31B8.85B8.38B11.43B13.24B9.09B14.21B17.18B17.96B22.99B30.34B18.67B9.67B20.05B31.50B31.29B27.38B21.92B
Total Debt207.94M519.49M1.79B6.15B6.92B10.84B15.74B14.60B17.64B36.78B32.27B39.26B32.00B35.70B37.55B38.17B30.01B21.48B25.98B30.16B41.53B
Net Debt-16.33B-16.76B-8.18B-2.15B-1.93B2.46B4.31B1.36B8.55B22.57B15.09B21.30B9.01B5.36B18.88B28.50B9.96B-10.02B-31.48B2.78B19.61B

Cash Flow

Line item2005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow-3.26B8.55B-9.09B3.25B-4.86B340.64M5.42B1.41B-1.14B2.02B15.39B7.10B17.75B10.90B5.13B33.00B32.80B18.54B51.20B-5.90B8.65B
Investing Cash Flow1.69B-5.32B665.62M-3.11B1.02B-1.97B-3.65B1.02B-1.03B-7.70B-4.60B-8.96B-6.89B-5.49B-14.17B-39.80B-13.30B5.04B-47.58B1.84B-54.95B
Financing Cash Flow-975.99M-457.37M3.52B-1.11B4.56B1.07B1.19B-1.36B-1.44B11.05B-7.79B2.56B-5.82B2.12B-2.80B-2.17B-8.42B-12.36B34.00M1.14B42.98B
Capital Expenditure662.59M615.03M740.02M897.15M456.23M619.72M408.05M846.55M1.06B814.13M831.40M756.00M625.00M1.01B1.33B1.38B1.03B1.04B1.77B1.25B1.35B
Free Cash Flow-3.92B7.94B-9.83B2.35B-5.32B-279.08M5.01B558.53M-2.19B1.21B14.56B6.34B17.12B9.88B3.80B31.61B31.77B17.50B49.43B-7.15B7.29B
Dividends Paid1.00B800.00M980.00M1.09B1.00B2.38B2.48B1.59B2.25B937.50M--688.00M688.00M1.66B2.29B2.29B2.29B-4.84B6.85B

Earnings

Report DateAug 16, 2005Nov 14, 2005Feb 16, 2006May 12, 2006Aug 11, 2006May 15, 2007Aug 8, 2007Nov 9, 2007Feb 14, 2008May 8, 2008Aug 8, 2008Nov 7, 2008Feb 26, 2009May 14, 2009Aug 27, 2009Nov 16, 2009Mar 15, 2010May 17, 2010Aug 19, 2010Nov 4, 2010Mar 7, 2011May 10, 2011Aug 11, 2011Nov 3, 2011Mar 5, 2012May 14, 2012Aug 6, 2012Nov 12, 2012Mar 4, 2013May 13, 2013Aug 29, 2013Nov 14, 2013Mar 10, 2014May 15, 2014Sep 2, 2014Nov 6, 2014Mar 16, 2015May 13, 2015Aug 10, 2015Nov 9, 2015Mar 7, 2016May 9, 2016Aug 29, 2016Nov 7, 2016Mar 6, 2017May 22, 2017Aug 28, 2017Nov 13, 2017Mar 12, 2018May 22, 2018Aug 28, 2018Nov 6, 2018Mar 4, 2019May 15, 2019Aug 13, 2019Nov 7, 2019Feb 12, 2020May 28, 2020Aug 5, 2020Nov 4, 2020Feb 16, 2021May 28, 2021Aug 11, 2021Nov 5, 2021Feb 23, 2022May 18, 2022Aug 17, 2022Nov 9, 2022Mar 10, 2023May 17, 2023Aug 23, 2023Nov 8, 2023Mar 7, 2024May 8, 2024Aug 21, 2024Nov 6, 2024Mar 12, 2025May 13, 2025Aug 12, 2025Nov 5, 2025Mar 11, 2026May 13, 2026Aug 12, 2026Nov 5, 2026
EPS Estimate0.380.370.370.370.45-0.600.600.640.740.870.770.790.600.500.490.53--0.65-0.810.770.79-0.800.750.750.69--0.580.54-0.670.620.630.530.570.570.570.490.470.580.490.560.650.700.690.590.750.810.800.690.910.980.960.570.690.730.630.760.970.910.920.950.370.501.520.850.392.080.581.531.992.721.882.192.032.192.141.802.102.33
EPS Actual0.480.440.360.440.470.620.560.690.800.880.830.830.510.500.560.590.460.580.630.680.690.700.770.810.760.800.760.740.700.630.600.600.550.640.680.700.570.520.560.650.360.510.700.610.490.420.690.720.660.610.750.830.800.690.970.980.570.400.740.570.670.991.181.010.961.130.34-0.191.381.160.472.220.551.641.881.971.951.982.132.272.172.022.21-
Surprise26.32%18.92%-2.70%18.92%4.44%--6.67%15.00%25.00%18.92%-4.60%7.79%-35.44%-16.67%12.00%20.41%-13.21%--4.62%--13.58%0.00%2.53%-0.00%1.33%-1.33%1.45%--3.45%1.85%-1.49%12.90%-9.52%-1.89%-1.75%14.04%-36.84%4.08%48.94%5.17%0.00%-25.00%6.15%2.86%-4.35%3.39%0.00%2.47%0.00%0.00%6.59%0.00%-40.63%-29.82%7.25%-21.92%6.35%30.26%21.65%10.99%4.35%18.95%-8.11%-138.00%-9.21%36.47%20.51%6.73%-5.17%7.19%-5.53%-27.57%3.72%-9.59%4.93%3.65%1.40%12.22%5.24%-
TimingPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-market-Pre-marketPre-marketPre-market-Pre-marketAfter-hoursPre-marketPre-market--Pre-marketPre-market-After-hoursPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-market-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-market--Pre-marketPre-marketAfter-hoursPre-marketAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap149.62B
Enterprise Value174.88B
Trailing P/E13.79
Forward P/E5.95
PEG Ratio1.45
Price / Sales5.13
Price / Book2.75
EPS8.68
Book Value44.73
Revenue (TTM)29.14B
Gross Profit (TTM)29.14B
Profit Margin37.21%
Operating Margin65.26%
Return on Equity20.11%
Return on Assets1.88%
Shares Outstanding1.25B
Shares Float880.84M
Beta0.63
Dividend Yield5.19%
Dividend Rate6.14
Payout Ratio70.82%

Dividends

20261×
6.14Aug 4, 2026
20251×
5.48Aug 4, 2025
20242×
2.59Aug 7, 20241.28Jan 24, 2024
20221×
1.83Aug 3, 2022
20191×
1.33Jul 30, 2019
20181×
0.55Aug 7, 2018
20141×
0.75Sep 16, 2014
20131×
1.80Sep 17, 2013
20121×
1.27Jun 8, 2012
20111×
1.98Aug 29, 2011
20101×
1.90Oct 20, 2010
20091×
0.92Sep 22, 2009
20081×
1.01Aug 13, 2008
20071×
0.90Jul 18, 2007
20061×
0.74Jul 6, 2006
20051×
0.92Aug 17, 2005

Stock Splits

  • Oct 2, 20091501:1385