-0.92%
12.93%
15.46%
19.76%
24.99%
35.99%
93.08%
AI Spotlight on PKO
Company Description
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides banking services in Poland, Ukraine, Sweden, the Czech Republic, Ireland, and Germany.Its Retail segment offers current and savings accounts, term deposits, private and electronic banking services, investment and insurance products, credit and debit cards, and consumer and mortgage loans, as well as corporate loans to firms and enterprises, developers, cooperatives, and property managers.The company's Corporate and Investment segment provides current accounts, term deposits, currency products and derivatives, leasing and factoring, and safekeeping of securities services.
This segment is also involved in financing large investment projects; the issuance of non-treasury securities; and provision of investing and brokerage services, interbank transactions, derivatives and debt securities transactions, as well as in real estate development and management activities.The company also offers investment and pension fund management; transfer agent; life, other personal, and property insurance; financial; leasing and lending; and IT specialist outsourcing and business support services, as well as fleet management and debt collection services.Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna was founded in 1919 and is based in Warsaw, Poland.
Market Data
| Last Price | 66.92 |
| Change Percentage | -0.92% |
| Open | 67.38 |
| Previous Close | 67.54 |
| Market Cap ( Millions) | 83650 |
| Volume | 3028772 |
| Year High | 67.88 |
| Year Low | 48.5 |
| M A 50 | 60.08 |
| M A 200 | 58.5 |
Financial Ratios
| FCF Yield | 23.03% |
| Dividend Yield | 3.87% |
| ROE | 15.85% |
| Debt / Equity | 0.00% |
| Net Debt / EBIDTA | -861.29% |
| Price To Book | 1.66 |
| Price Earnings Ratio | 11.1 |
| Price To FCF | 4.34 |
| Price To sales | 2.47 |
| EV / EBITDA | 16.53 |
News
- Jan -06 - 3 High-Yield Dividend Stocks Offering Up To 5.6%
- Dec -04 - Top Dividend Stocks To Consider In December 2024
- Nov -08 - PKO Bank Polski SA (PSZKF) Q3 2024 Earnings Call Highlights: Record Profits and Robust Growth ...
- Nov -05 - Top Dividend Stocks To Consider In November 2024
- Oct -09 - PKO Bank Polski SA (PSZKF) (H1 2024) Earnings Call Highlights: Record Net Profit and Robust ...
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Retail
Expected Growth : 4.5 %
What the company do ?
Retail from Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna refers to the bank's personal banking services, offering various financial products and services to individual customers.
Why we expect these perspectives ?
The 4.5% growth in Retail segment of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is driven by increasing consumer spending, expansion of e-commerce, and strategic partnerships. Additionally, the bank's focus on digital transformation, improved customer experience, and targeted marketing campaigns have contributed to the growth.
Segment n°2 -> Corporate and Investment
Expected Growth : 5.5 %
What the company do ?
Corporate and Investment Banking at PKO Bank Polski provides financial services to corporations, institutions, and governments, offering transactional banking, markets, and investment products.
Why we expect these perspectives ?
PKO Bank Polski's Corporate and Investment segment growth of 5.5% is driven by increasing demand for cash management and trade finance services, expansion of corporate lending, and growth in investment products such as asset management and brokerage services, supported by a strong economic environment in Poland.
Segment n°3 -> Transfer Center and Other
Expected Growth : 4.0 %
What the company do ?
The Transfer Center and Other from Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna refers to the bank's department handling international money transfers and other miscellaneous services.
Why we expect these perspectives ?
The 4.0% growth in Transfer Center and Other segment of Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is driven by increasing demand for digital payment solutions, expansion of online banking services, and strategic partnerships with fintech companies, resulting in higher transaction volumes and revenue growth.
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Products
| Product Range | What is it ? |
|---|---|
| Current Accounts | A type of bank account that allows customers to deposit and withdraw money, and perform various transactions |
| Savings Accounts | A type of bank account that earns interest and helps customers save money |
| Credit Cards | A type of loan that allows customers to borrow money to make purchases |
| Personal Loans | A type of loan that allows customers to borrow money for personal expenses |
| Mortgage Loans | A type of loan that allows customers to borrow money to purchase a home |
| Investment Products | A range of investment products such as stocks, bonds, and funds |
| Insurance Products | A range of insurance products such as life insurance, health insurance, and property insurance |
| Business Banking | A range of banking services for businesses, including current accounts, loans, and cash management |
| Corporate Banking | A range of banking services for large corporations, including cash management, trade finance, and risk management |
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna's Porter Forces
Threat Of Substitutes
The threat of substitutes for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is medium due to the presence of alternative financial institutions and digital payment systems.
Bargaining Power Of Customers
The bargaining power of customers is high due to the competitive nature of the banking industry, with customers having multiple options to choose from.
Bargaining Power Of Suppliers
The bargaining power of suppliers is low as Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna has a strong negotiating position due to its large scale of operations.
Threat Of New Entrants
The threat of new entrants is low due to the high barriers to entry in the banking industry, including regulatory requirements and capital requirements.
Intensity Of Rivalry
The intensity of rivalry is high due to the competitive nature of the banking industry, with multiple players competing for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 35.74% |
| Debt Cost | 6.59% |
| Equity Weight | 64.26% |
| Equity Cost | 8.54% |
| WACC | 7.84% |
| Leverage | 55.62% |
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna : Quality Control
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna passed 4 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| SPL.WA | Santander Bank Polska S.A., together with its subsidiaries, provides various banking products and services for individuals, small or medium-sized enterprises, corporate clients, and public sector institutions. It offers personal account, … |
| BNP.WA | BNP Paribas Bank Polska S.A. provides a range of banking services in Poland. The company operates through Retail and Business Banking; Small and Medium Enterprises; Corporate Banking; Corporate and Institutional … |
| SRBNK.OL | SpareBank 1 SR-Bank ASA, together with its subsidiaries, provides various financial products and services for personal and corporate customers in Southern and Western Norway. The company offers its products and … |
| BHW.WA | Bank Handlowy w Warszawie S.A. provides a range of banking services for individual and corporate clients in Poland and internationally. The company operates through two segments, Institutional Bank and Consumer … |
| BAMI.MI | Banco BPM S.p.A., together with its subsidiaries, provides banking and financial products and services to individual, business, and corporate customers in Italy. The company operates through Retail, Corporate, Institutional, Private, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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SpareBank 1 SR-Bank
A-Score
1-Year Total Return ->
🥈
Bank Handlowy
A-Score
1-Year Total Return ->
🥉
Banco BPM
A-Score
1-Year Total Return ->
4
PKO Bank Polski
A-Score
1-Year Total Return ->
5
Santander Bank Polska
A-Score
1-Year Total Return ->
6
