Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna stock
PKO.WAWSEFinancial ServicesISIN PLPKO0000016
75Score 75 out of 100, Strong
Price and trend
85 / 100
Price history
+52% in one yearThe chart shows daily closes over 19 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 13% above it.
Since December 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 60).
The price is 5.3% below its 52-week high. Largest decline in 19 years: 68% (July 2007 to February 2009).
Chart figures for advanced users
- SMA 50$29.64
- Average price of the last 50 trading days, shows the short-term trend.
- SMA 200$26.26
- Average price of the last 200 trading days, shows the long-term trend.
- RSI (14)60
- 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$18.51
- The lowest closing price of the last twelve months.
- Resistance$31.34
- The highest closing price of the last twelve months.
Snapshot
Computed from the data by fixed rules, no AI
- Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna belongs to the Banks industry (Poland) and, with a market value of $37.08B, is number 3 of 11 companies in its industry on MEQIRI.
- In fiscal 2025 it earned $2.69B (up 14.8% year on year).
- MEQIRI Score 75 out of 100 (Strong): rank 230 of 975 in Financial Services, median 68.
Show more
- The P/E is 13.5 (Banks median 13.4, own median of recent years 11.4).
- Our model puts fair value at $37.53, with the price 21% below it.
In plain words
The numbers on this page in plain words, written by an AI
Strengths
- High return on equityReturn on equity 18.9% over the last 12 months.Profitability 73
- High dividend yieldDividend yield 5.21%, Financial Services sector median 2.82%.Capital allocation 71
Weaknesses
None of our weakness checks flags anything. Crash risk is measured separately.
Its standout strengths are fundamentals and technical analysis.
Daily figure as of 13 Nov 2026
How the score is calculatedScore overview
Score since yesterday from 73 to 75.
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 lowers it
- solid fundamentals
- calm price action
Valuation
Valuation signal
Modestly undervaluedIn our model the price counts as cheap below $28.87 and expensive above $53.62 (uncertainty medium, based on the price swings of the past year).
The two parts of the fair value come to $45.63 (excess return model) and $29.44 (industry comparison), and the gap between them shows how uncertain the estimate is.
Calculated with a cost of equity of 10.6%. At 11.6% the fair value would be $33.73, at 9.6% it would be $43.23.
Valuation metrics
Half from the excess return model, half from earnings times the industry P/E (13.4).
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 6.7% on the twelve months before. Revenue has grown solidly since 2006, at about 6% per year.
Margins
- Operating margin
- Net margin
In fiscal 2025: operating 60%, net 47%. Banks and insurers have no gross margin, and their net margin is not comparable with other industries. The score leaves both out. Last 12 months: net 38%.
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
- 5 Mar 2027in 112 days
- Last reported
- 5 Nov 2026EPS reported $0.60 (expected $0.59)above expectations
Analyst estimates
Analysts have raised their 2027 earnings estimate by 4.5% since 23 Oct 2026.
- Earnings per share
- $2.31+3.3%
- Revenue
- $7.96B+0.8%
- Earnings per share
- $2.86+4.5%
- Revenue
- $8.67B+2.1%
MEQIRI has stored the estimates since 23 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.
What happened at Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
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
- 75
- 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
The next larger and next smaller companies by market value
- Intesa SanpaoloISP.MI $119.82B77
- Itaú Unibanco HoldingITUB $89.91B70
- Hana Financial Group086790.KS $24.13B67
- Bank of IndiaBANKINDIA.NS $7.33B67
- Liechtensteinische LandesbankLLBN.SW $4.41B64
- Avarda BankTFBANK.ST $1.51B85
- Renta 4 BancoR4.MC $951.44M84
- VP BankVPBN.SW $734.07M59
ETFs that hold Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
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 | 18.55% | 0.74% | €998.89M |
| Expat Poland WIG20 UCITS ETFPLX | 14.40% | 6.80% | €1.83M |
| iShares STOXX Europe 600 Banks UCITS ETF (DE)EXV1 | 1.13% | 0.46% | €2.98B |
Show 5 more
| WisdomTree Emerging Markets Equity Income UCITS ETF AccWTD8 | 1.06% | 0.46% | €256.08M |
| Fidelity Emerging Markets Quality Income UCITS ETF INC-USDFYEQ | 1.00% | 0.50% | €247.81M |
| Amundi MSCI Emerging Markets ESG Selection UCITS ETF DR (C)SADM | 0.43% | 0.18% | €1.07B |
| iShares MSCI EM CTB Enhanced ESG UCITS ETFEDM2 | 0.32% | 0.18% | €7.25B |
| Vanguard FTSE Developed Europe ex UK UCITS ETF (EUR) DistributingVERX | 0.25% | 0.10% | €5.35B |
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 31 Dec 2023)
- Valuation signal Fairly valued 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.