Bank Polska Kasa Opieki stock
PEO.WAWSEBank Polska Kasa Opieki S.A., Financial ServicesISIN PLPEKAO00016
85Score 85 out of 100, Strong
Price and trend
84 / 100
Price history
+38% in one yearThe chart shows daily closes over 20 years, adjusted for stock splits and without dividends. Click into the chart to set a price alert at that price.
Above the 200-day line: the price is 11% above it.
Since February 2025 the 50-day line has been above the 200-day line; the trend has turned up.
Normal: the price is neither overheated nor sold off (RSI 59).
The price is 5.2% below its 52-week high. Largest decline in 20 years: 85% (May 2007 to October 2020).
Chart figures for advanced users
- SMA 50$67.32
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$61.12
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)59
- Relative strength over the last 14 days on a scale from 0 to 100. Above 70 the price counts as overheated, below 30 as sharply fallen.
- MACDabove the signal line
- Compares a fast and a slow price average. Above its signal line momentum is rising, below it momentum is fading.
- Support$47.22
- The lowest closing price of the last twelve months.
- Resistance$71.23
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Bank Polska Kasa Opieki S.A. belongs to the Banks (Regional) industry (Poland) and, with a market value of $17.73B, is number 79 of 420 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $1.77B (up 10% year on year).
- For fiscal 2026, analysts expect on average adjusted earnings per share of $5.72 (down 17.4%).
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- MEQIRI Score 85 out of 100 (Strong): rank 17 of 975 in Financial Services, median 68.
- The P/E is 10.9 (Banks (Regional) median 12.2, own median of recent years 12.9).
- Our model puts fair value at $89.23, with the price 24% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- Earnings per share growingUp 44.8% a year since 2020.Growth 100
- High dividend yieldDividend yield 7.36%, Banks (Regional) median 2.78%.Capital allocation 81
- High return on equityReturn on equity 18.8% over the last 12 months.Profitability 74
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are growth and fundamentals.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
The fundamentals are strong overall.
Score history
The full history of up to 20 years comes with MEQIRI Pro.
See plansCrash risk low
How well MEQIRI warnsOne of the 30% with the lowest crash risk among stocks ranked 101 to 1,000.
From 2016 to 2025, 9 in 100 such stocks fell 30% or more within a year, against a group average of 15 in 100.
What drives the risk
- high growth grade (crashed more often in the backtest)
What lowers it
- solid fundamentals
- calm price action
Valuation
Valuation signal
Significantly undervaluedIn our model the price counts as cheap below $68.64 and expensive above $127.48 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $102.53 (excess return model) and $75.94 (industry comparison), and the gap between them shows how uncertain the estimate is. The price is below both.
Calculated with a cost of equity of 10.6%. At 11.6% the fair value would be $80.69, at 9.6% it would be $102.05.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (12.2).
Calculate with your own assumptionsCompany performance
This shows several years of history with an automatic assessment.
Revenue
In the twelve months to 30 Sep 2026, revenue fell 18.5% on the twelve months before. Revenue has grown solidly since 2006, at about 7% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 52%, net 41%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out.
Debt & balance sheet
latest quarterFor banks and insurers, deposits and liabilities are the business. Debt to equity and the current ratio say little here, and the score does not rate them.
Earnings
- Next earnings
- 4 Mar 2027in 111 days
- Last reported
- 29 Oct 2026EPS reported $1.45 (expected $1.70)below expectations
Analyst estimates
Earnings estimates have barely changed since 27 Oct 2026.
- Earnings per share
- $5.72+0.7%
- Revenue
- $4.39B0.0%
- Earnings per share
- $6.88+1.4%
- Revenue
- $4.73B+0.1%
MEQIRI has stored the estimates since 27 Oct 2026. Until 30 days are available, the card shows the change since that day. Mean estimate according to Financial Modeling Prep. No price target and no recommendation.
Company outlook confirmed
Share price after the results: −1.5%Pekao broadly confirms its expectations: cost of risk should stay around 50 basis points, demand for corporate loans should remain good and the margin should rebound, no change to guidance visible.
“It seems that the cost of risk that we should be expecting in the nearest quarters would be at about 50 basis points.”The outlook is not part of the score and not a recommendation to buy or sell.
From the earnings call on 29 Oct 2026 (fiscal Q3 2026), read by AI.
What happened at Bank Polska Kasa Opieki
The key events of the last six months from our own data. A click takes you to the matching card.
Sector comparison
975 rated companies in Financial Services
- This company
- 85
- Sector median
- 68
Categories against the sector median
The median is the middle value: half of the companies in the sector lie above it, half below. Categories with too few comparable companies are left out.
Competitors in Banks (Regional)
The next larger and next smaller companies by market value
- First Financial Holding2892.TW $18.69B68
- mBankMBK.WA $18.68B77
- East West BancorpEWBC $17.97B81
- Bank of Shanghai601229.SS $17.89B51
- Punjab National BankPNB.NS $17.32B73
- National Bank of GreeceETE.AT $17.22B68
- Union Bank of IndiaUNIONBANK.NS $16.58B75
- ING Bank SlaskiING.WA $16.1B83
ETFs that hold Bank Polska Kasa Opieki
Held by 56 ETFs on Xetra. Shown per index: the ETF with the largest weight.
| ETF | Weight | Cost | Fund size |
|---|---|---|---|
| iShares MSCI Poland UCITS ETFIBCJ | 8.63% | 0.74% | €998.89M |
| Expat Poland WIG20 UCITS ETFPLX | 8.26% | 6.80% | €1.83M |
| iShares EM Dividend UCITS ETFEUNY | 1.80% | 0.65% | €1.25B |
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| Fidelity Emerging Markets Quality Income UCITS ETF INC-USDFYEQ | 0.86% | 0.50% | €247.81M |
| iShares STOXX Europe Mid 200 UCITS ETF (DE)EXSD | 0.63% | 0.20% | €634.13M |
| iShares STOXX Europe 600 Banks UCITS ETF (DE)EXV1 | 0.53% | 0.46% | €2.98B |
| WisdomTree Emerging Markets ex-State Owned Enterprises UCITS ETF AccumUSDXSOE | 0.25% | 0.32% | €17.98M |
| WisdomTree Emerging Markets Equity Income UCITS ETF AccWTD8 | 0.18% | 0.46% | €256.08M |
Holdings as reported by the funds via FMP, excluding swap ETFs (their holdings are only collateral).
Data status and sources
- Score
- Daily value of 13 Nov 2026, recalculated nightly
- Price
- Closing price of 12 Nov 2026
- Latest annual report
- Fiscal year 2025, period end 31 Dec 2025
- Currency
- Amounts in US dollars, converted at the ECB reference rate of 12 Nov 2026 ($1 = PLN 3.9742)
- Source
- Financial statements, ratios and prices from Financial Modeling Prep (FMP), based on the company's reports. MEQIRI calculates the score and fair value from them.
Mandatory disclosures for this rating
- ; time horizon around 12 months
- Rated Strong, published since 7 Nov 2026 (in the score history since 30 Sep 2023)
- Valuation signal Undervalued since 7 Nov 2026
- End-of-day prices, metrics cached for up to 24 hours
- Score and fair value are estimates from a disclosed model. They are not facts and not a price target.
- Produced by SSM Ventures UG (haftungsbeschränkt), responsible person Sven Brostmeyer, Managing Director, automatically according to the disclosed model.
- Not investment advice. Losses up to and including a total loss are possible. Personal circumstances are not considered.