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Overview
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Bank Polska Kasa Opieki stock

PEO.WA
PLPEKAO00016
914910

Price

141.03
Today +/-
+0.53
Today %
+1.63 %

Bank Polska Kasa Opieki stock price

%
Weekly
Details

Price

Overview

The Quote Chart provides detailed and dynamic insights into the Bank Polska Kasa Opieki stock's performance, showcasing daily, weekly, or monthly aggregated quotes. Users can switch between different time frames to analyze the stock's progression meticulously and make informed investment decisions.

Intraday Feature

The intraday feature provides real-time data, allowing investors to view the Bank Polska Kasa Opieki stock’s price fluctuations within the trading day, facilitating timely and strategic investment decisions.

Total Return and Relative Price Change

View the total return of the Bank Polska Kasa Opieki stock to gauge its profitability over time. The relative price change, based on the first quote available in the selected timeframe, offers insights into the stock’s performance, assisting in evaluating its investment potential.

Interpretation and Investment

Utilize the comprehensive data presented in the Quote Chart to analyze Bank Polska Kasa Opieki's market trends, price movements, and potential returns. Make informed investment choices by comparing different time frames and evaluating intraday data for optimized portfolio management.

Bank Polska Kasa Opieki Stock Price History

DateBank Polska Kasa Opieki Price
12/30/2024141.03 undefined
12/27/2024138.75 undefined
12/23/2024139.65 undefined
12/20/2024138.70 undefined
12/19/2024141.35 undefined
12/18/2024142.25 undefined
12/17/2024139.35 undefined
12/16/2024145.00 undefined
12/13/2024145.30 undefined
12/12/2024146.20 undefined
12/11/2024145.60 undefined
12/10/2024147.05 undefined
12/9/2024146.95 undefined
12/6/2024148.70 undefined
12/5/2024148.35 undefined
12/4/2024145.85 undefined
12/3/2024143.30 undefined
12/2/2024142.90 undefined

Bank Polska Kasa Opieki Revenue, EBIT, Net Income

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Revenue
Net Income
Details

Revenue, EBIT and Profit

Understanding Revenue, EBIT, and Income

Gain insights into Bank Polska Kasa Opieki, a comprehensive overview of its financial performance can be obtained by analyzing the Revenue, EBIT, and Income chart. Revenue represents the total income generated by Bank Polska Kasa Opieki from its primary operations, showcasing the company’s ability to attract and retain clients. EBIT, or Earnings Before Interest and Taxes, indicates the company’s operational profitability, free from the influence of tax and interest expenses. The Income section reflects Bank Polska Kasa Opieki’s net earnings, an ultimate measure of its financial health and profitability.

Yearly Analysis and Comparisons

Observe the yearly bars to understand the annual performance and growth of Bank Polska Kasa Opieki. Compare the Revenue, EBIT, and Income to evaluate the company’s efficiency and profitability. A higher EBIT compared to the previous year suggests an improvement in operational efficiency. Likewise, an increase in Income indicates enhanced overall profitability. Analyzing the year-to-year comparison assists investors in understanding the company’s growth trajectory and operational efficiency.

Utilizing Expectations for Investment

The expected values for the forthcoming years offer investors a glimpse into Bank Polska Kasa Opieki’s anticipated financial performance. Analyzing these projections alongside historical data aids in making informed investment decisions. Investors can gauge the potential risks and returns, aligning their investment strategies accordingly to optimize profitability and mitigate risks.

Investment Insights

Leveraging the comparison between Revenue and EBIT helps in assessing Bank Polska Kasa Opieki’s operational efficiency, while the Revenue and Income comparison reveals the net profitability after accounting for all expenses. Investors can derive valuable insights by meticulously analyzing these financial parameters, laying the foundation for strategic investment decisions aimed at capitalizing on Bank Polska Kasa Opieki’s growth potential.

Bank Polska Kasa Opieki Revenue, EBIT and net profit per share

DateBank Polska Kasa Opieki RevenueBank Polska Kasa Opieki Net Income
2028e15.16 B undefined5.11 B undefined
2027e14.94 B undefined5.14 B undefined
2026e15.55 B undefined5.65 B undefined
2025e15.8 B undefined6.12 B undefined
2024e15.57 B undefined6.48 B undefined
202321.81 B undefined6.58 B undefined
202214.86 B undefined1.72 B undefined
20219.03 B undefined2.17 B undefined
20208.76 B undefined1.1 B undefined
20199.72 B undefined2.17 B undefined
20189.17 B undefined2.29 B undefined
20178.97 B undefined2.48 B undefined
20168.55 B undefined2.28 B undefined
20158.53 B undefined2.29 B undefined
20149.72 B undefined2.71 B undefined
201310.3 B undefined2.78 B undefined
201211.83 B undefined2.94 B undefined
201110.89 B undefined2.9 B undefined
20109.89 B undefined2.53 B undefined
200910.22 B undefined2.41 B undefined
200812.19 B undefined3.53 B undefined
20077.91 B undefined2.16 B undefined
20066.56 B undefined1.79 B undefined
20056.38 B undefined1.54 B undefined
20046.19 B undefined1.32 B undefined

Bank Polska Kasa Opieki Income Statement, Balance Sheet, Cash Flow Statement

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  • Expanded

  • Income Statement

  • Balance Sheet

  • Cashflow

 
REVENUE (B)REVENUE GROWTH (%)GROSS MARGIN (%)GROSS INCOME (M)EBIT (B)EBIT MARGIN (%)NET INCOME (B)NET INCOME GROWTH (%)DIV. ()DIV. GROWTH (%)SHARES (M)DOCUMENTS
199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202220232024e2025e2026e2027e2028e
7.126.899.429.637.675.926.196.386.567.9112.1910.229.8910.8911.8310.39.728.538.558.979.179.728.769.0314.8621.8115.5715.815.5514.9415.16
--3.1336.572.28-20.33-22.784.443.042.9020.5654.14-16.14-3.2310.088.60-12.94-5.63-12.180.224.842.296.00-9.933.0764.6346.79-28.591.43-1.57-3.881.46
-------------------------------
0000000000000000000000000000000
000000000000000000000000008.279.38.619.090
-------------------------------
0.520.170.791.250.770.921.321.541.792.163.532.412.532.92.942.782.712.292.282.482.292.171.12.171.726.586.486.125.655.145.11
--67.12364.3357.81-38.6319.5143.4216.6216.2720.5963.71-31.664.7314.811.48-5.37-2.51-15.55-0.578.60-7.60-5.33-49.1597.46-21.02283.11-1.49-5.57-7.70-9.08-0.53
-------------------------------
-------------------------------
141.5145.3146.5165.9166166166.3166.6166.9175.8262.3262.2262.4262.5262.4262.5262.5262.5262.5262.5262.5262.5262.5262.5262.47262.4700000
-------------------------------
Details

Keystats

Revenue and Growth

The Bank Polska Kasa Opieki Revenue and Revenue Growth are pivotal to understanding the company's financial health and operational efficiency. A consistent increase in revenue indicates a company’s ability to effectively market and sell its products or services, while the revenue growth percentage offers insights into the pace at which the company is expanding over the years.

Gross Margin

The Gross Margin is a crucial metric that showcases the percentage of revenue exceeding the cost of goods sold (COGS). A higher gross margin is indicative of a company’s efficiency in controlling its production costs, thereby promising potential profitability and financial stability.

EBIT and EBIT Margin

EBIT (Earnings Before Interest and Taxes) and EBIT Margin offer deep insights into a company’s profitability, excluding the impacts of interest and taxes. Investors often assess these metrics to gauge the operational efficiency and inherent profitability of a business, separate from its financial structure and tax environment.

Income and Growth

Net Income and its subsequent growth are quintessential for investors looking to understand a company’s profitability. Consistent income growth underscores a company’s ability to enhance its profitability over time, reflecting operational efficiency, strategic competitiveness, and financial health.

Shares Outstanding

Shares outstanding refer to the total number of shares a company has issued. It's instrumental in calculating key metrics like Earnings Per Share (EPS) which is pivotal for investors to evaluate a company’s profitability on a per-share basis, offering a more granular view of financial health and valuation.

Interpreting Year to Year Comparison

Comparing yearly data allows investors to identify trends, assess the company’s growth, and anticipate potential future performance. Analyzing how metrics like revenue, income, and margins change year over year can provide valuable insights into the company’s operational efficiency, competitiveness, and overall financial health.

Expectations and Predictions

Investors often juxtapose the current and past financial data with the market’s expectations. This comparison aids in assessing whether the Bank Polska Kasa Opieki is performing as anticipated, underperforming or outperforming the market predictions, providing pivotal data for investment decisions.

 
ASSETSCASH BALANCE (M)RECEIVABLES (M)OTHER REC. (M)INVENTORIES (M)OTHER CURRENT LIAB. (M)CURRENT ASSETS (M)TANGIBLE ASSETS (B)LONG-T. INVEST. (B)LONG-T. REC. (M)INTANGIBLE ASSETS (B)GOODWILL (M)OTHER NON-CURRENT ASSETS (B)NON-CURRENT ASSETS (B)TOTAL ASSETS (B)LIABILITIESCOMMON STOCK (M)ADDITIONAL PAID-IN CAPITAL (B)RETAINED EARNINGS (B)OTHER EQUITY (B)UNREAL. GAINS/LOSSES (B)EQUITY (B)LIABILITIES (B)PROVISIONS (B)OTHER SHORT-TERM LIAB. (B)SHORT-TERM DEBTS (B)LONG-TERM DEBT PORTION (k)SHORT-TERM REC. (B)LONG-T. LIAB. (B)DEFERRED TAXES (M)OTHER LIAB. (B)LONG-T. LIABILITIES (B)DEBT (B)TOTAL CAPITAL (B)
199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202120222023
                                                     
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
000000000000000000000000000
1.582.122.091.891.991.61.541.441.452.021.911.821.821.771.671.591.541.461.421.431.421.921.921.831.831.571.95
0.730.650.610.360.270.30.130.170.210.390.310.240.220.190.170.180.180.150.14000066.860.040.050.05
000000000000000000000000000
0.110.130.110.040.070.560.630.650.610.690.750.710.640.70.620.570.570.580.540.780.780.871.262.31.551.51.65
211005630000005505555565656748748748748748.55749748.55749
0000000.10.350.310.480.530.53.973.863.240.940.920.961.051.021.141.111.31.41.661.591.15
2.442.912.812.32.332.462.42.62.573.583.493.276.76.535.753.333.273.213.213.974.094.655.2373.145.845.465.55
2.442.912.812.32.332.462.42.62.573.583.493.276.76.535.753.333.273.213.213.974.094.655.2373.145.845.465.55
                                                     
145145166166166166166166167262262262262262262262262262262262262262262262.47262262.47262
0.420.511.491.491.491.500000000009.149.149.149.149.149.149.149.469.149.149.14
0.520.470.751.130.650.631.511.521.682.013.492.442.5720.8322.9123.1612.1411.7511.3511.5410.8111.2512.3615.713.7214.3219.49
1.92.583.043.964.574.846.336.727.0312.3912.215.5917.340001.941.982.372.382.392.382.36-1.562.352.342.34
0.090.160.160.160.170.0200000000000.540.28-0.22-0.060.20.361.36-1.62-1.62-3.3-0.89
3.073.865.616.97.047.1688.418.8814.6715.9518.2920.1721.0923.1723.4224.0223.4122.923.2722.823.3925.4822.2423.8522.7630.33
00000000000000000000000197.6000
3.873.964.313.992.142.49000000000000000000.81000
00000000.010.20.050.3100.030.20.0800.0700.010.20.210.190.311.040.0101.49
000000000000007.74.575.115.431.781.090.420.60.7411.040.850.931.65
0000000000000000000001,00009003690
3.873.964.313.992.142.4900.010.20.050.3100.030.27.784.585.175.441.781.290.630.791.05210.490.850.933.14
0000000.02003.722.472.031.183.040.790.821.041.241.221.33.55.116.0313.055.547.513.32
59459300010003314632553833302824.92522.8321
2.081.122.272.923.22.3922.142.264.032.12.893.597.656.875.728.77.627.126.765.686.110.22-209.8814.8225.8719.23
2.141.162.282.953.22.392.022.142.267.754.574.924.7710.77.676.559.748.868.358.19.2111.2416.28-196.8120.3833.432.57
6.015.126.596.945.344.882.022.152.467.84.884.924.7910.915.4511.1214.9114.310.139.399.8412.0317.3413.6821.2334.3335.71
9.088.9912.213.8412.3812.0410.0310.5511.3322.4720.8323.2124.9731.9838.6234.5438.9337.7133.0332.6532.6435.4142.8235.9345.0857.0966.04
Details

Balance Sheet

Understanding the Balance Sheet

The balance sheet of Bank Polska Kasa Opieki provides a detailed financial snapshot, revealing the company's assets, liabilities, and equity at a specific point in time. Analyzing these components is crucial for investors looking to understand Bank Polska Kasa Opieki's financial health and stability.

Assets

Bank Polska Kasa Opieki's assets represent everything the company owns or controls that has monetary value. These are categorized into current and non-current assets, offering insights into the company's liquidity and long-term investments.

Liabilities

Liabilities are obligations that Bank Polska Kasa Opieki must settle in the future. Analyzing the ratio of liabilities to assets provides insights into the company's financial leverage and risk exposure.

Equity

Equity refers to the residual interest in the assets of Bank Polska Kasa Opieki after deducting liabilities. It represents the owners’ claim on the company’s assets and earnings.

Year-to-Year Analysis

Comparing balance sheet figures year-to-year allows investors to identify trends, growth patterns, and potential financial risks, facilitating informed investment decisions.

Interpreting the Data

Detailed analysis of assets, liabilities, and equity can provide investors with comprehensive insights into Bank Polska Kasa Opieki's financial standing, aiding in investment evaluations and risk assessments.

 
NET INCOME (B)DEPRECIATION (M)DEFERRED TAXES (M)CHANGES IN WORKING CAPITAL (B)NON-CASH ITEM (M)PAID INTEREST (B)PAID TAXES (B)NET CASH FLOW FROM OPERATING ACTIVITIES (B)CAPITAL EXPENDITURES (M)CASH FLOW FROM INVESTING ACTIVITIES (B)CASH FLOW FROM OTHER INVESTING ACTIVITIES (B)INTEREST INCOME AND EXPENSES (M)NET DEBT CHANGE (B)NET CHANGE IN EQUITY (M)CASH FLOW FROM FINANCING ACTIVITIES (B)CASH FLOW FROM OTHER FINANCING ACTIVITIES (B)TOTAL DIVIDENDS PAID (M)NET CHANGE IN CASH FLOW (B)FREE CASH FLOW (M)SHARE-BASED COMPENSATION (M)
199819992000200120022003200420052006200720082009201020112012201320142015201620172018201920202021202120222023
0.520.170.81.250.770.921.321.541.792.163.532.412.532.92.942.792.722.292.282.482.2931.732.1732.888.48
-38342387219229295323323319339413441391376369344324329340347371504539646648616634
000000-77-78-98345-36-61-57-1460000000000000
2.37-3.47-0.481.821.03-4.91-4.34-1.190.436.05-5.526.23.88-6.39-0.077.63-4.28-0.2412.492.44-4.50.5127.66-5.132.8923.2630.87
431386453896-294-549-115-611-119-257321-132-406-400-3,142-3,856-4,001-3,680-3,635-4,388-4,255-5,490-5,228-291-5,689-8,276-11,959
0000000000000002.491.771.271.111.061.111.220.820.260.262.446
0000000.220.410.280.970.581.140.550.650.890.780.580.610.610.390.790.720.770.790.790.760.25
3.28-2.571.154.191.73-4.24-2.9-0.022.328.63-1.298.866.34-3.660.16.9-5.24-1.311.470.87-6.1-1.4824.69-2.60.8518.4828.02
-984-613-592-385-384-408-253-262-314-416-506-324-401-308-249-300-265-296-273-371-363-551-924-745-745-515-1,050
-0.92-1.09-0.55-0.78-1.062.623.341.51.84-1.910.53-5.46-8.222.62.31-5.2412.093.92-13.52-2.2911.93-7.77-25.133.343.34-13.16-30.7
0.07-0.470.04-0.4-0.683.023.591.762.16-1.51.03-5.13-7.822.912.56-4.9412.364.22-13.25-1.9212.29-7.22-24.214.094.09-12.65-29.65
000000000000000000000000000
000000-0.49-0.0200.37-1.35-0.44-0.881.861.65-1.660.7-1.04-1.522.374.142.690.5-2.62-2.625.771.12
34601,0000020230333643154211000000000000
0.26010-0.63-0.67-1.21-1.09-1.2-1.1-3.83-0.42-1.640.080.25-3.86-1.91-3.67-3.80.12.060.960.5-0.02-3.464.64-0.3
-0.0900000-0-00000000000000003.45000
0000-630-693-748-1,065-1,234-1,504-2,5170-761-1,785-1,412-2,202-2,614-2,625-2,283-2,278-2,074-1,7320-842-843-1,128-1,422
2.63-3.661.613.410.04-2.3-0.770.392.975.63-4.592.99-3.52-0.982.66-2.24.94-1.04-5.85-1.327.89-8.290.060.730.739.96-2.98
2,297-3,1825623,8051,346-4,648-3,149-2772,0108,216-1,7998,5405,936-3,966-1506,599-5,503-1,59611,197499-6,460-2,03023,767-3,343.4410617,963.5226,970
000000000000000000000000000

Bank Polska Kasa Opieki stock margins

The Bank Polska Kasa Opieki margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Bank Polska Kasa Opieki. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Bank Polska Kasa Opieki.
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Profit margin
Details

Margin

Understanding Gross Margin

The gross margin, expressed as a percentage, delineates the gross profit made from the Bank Polska Kasa Opieki's sales revenue. A higher gross margin percentage indicates that the Bank Polska Kasa Opieki retains more revenue after accounting for the costs of goods sold. Investors use this metric to gauge financial health and operational efficiency, as well as to compare it with competitors and industry averages.

EBIT Margin Analysis

EBIT margin represents the Bank Polska Kasa Opieki's earnings before interest and taxes. Analyzing the EBIT margin over different years provides insights into the operational profitability and efficiency, excluding the effects of financial leverage and tax structure. A growing EBIT margin over the years signifies improving operational performance.

Revenue Margin Insights

The revenue margin demonstrates the Bank Polska Kasa Opieki's total revenue generated. When comparing the revenue margin year over year, investors can gauge the Bank Polska Kasa Opieki's growth and market expansion. It is essential to compare the revenue margin with the gross and EBIT margins to understand the cost and profit structures better.

Interpreting Expectations

The expected values for gross, EBIT, and revenue margins provide future financial outlook of the Bank Polska Kasa Opieki. Investors should compare these expectations with historical data to understand potential growth and risk factors. It is crucial to consider the underlying assumptions and methodologies used in projecting these expected values to make informed investment decisions.

Comparative Analysis

Comparing the gross, EBIT, and revenue margins, both yearly and over multiple years, enables investors to perform a comprehensive analysis of the Bank Polska Kasa Opieki's financial health and growth prospects. Evaluating the trends and patterns in these margins helps in identifying strengths, weaknesses, and potential investment opportunities.

Bank Polska Kasa Opieki Margin History

DateBank Polska Kasa Opieki Profit margin
2028e33.7 %
2027e34.36 %
2026e36.33 %
2025e38.74 %
2024e41.61 %
202330.16 %
202211.56 %
202124.1 %
202012.58 %
201922.27 %
201824.94 %
201727.6 %
201626.65 %
201526.86 %
201427.94 %
201327.05 %
201224.88 %
201126.62 %
201025.52 %
200923.59 %
200828.94 %
200727.25 %
200627.25 %
200524.12 %
200421.3 %

Bank Polska Kasa Opieki Stock Sales Revenue, EBIT, Earnings per Share

The Bank Polska Kasa Opieki earnings per share therefore indicates how much revenue Bank Polska Kasa Opieki has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
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Sales per Share
Earnings per Share
Details

Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Bank Polska Kasa Opieki earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Bank Polska Kasa Opieki's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Bank Polska Kasa Opieki’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Bank Polska Kasa Opieki's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Bank Polska Kasa Opieki Revenue, EBIT and net profit per share

DateBank Polska Kasa Opieki Sales per ShareBank Polska Kasa Opieki Earnings per Share
2028e57.77 undefined19.46 undefined
2027e56.94 undefined19.56 undefined
2026e59.24 undefined21.52 undefined
2025e60.18 undefined23.31 undefined
2024e59.34 undefined24.69 undefined
202383.1 undefined25.06 undefined
202256.61 undefined6.54 undefined
202134.38 undefined8.29 undefined
202033.36 undefined4.2 undefined
201937.03 undefined8.25 undefined
201834.94 undefined8.71 undefined
201734.16 undefined9.43 undefined
201632.58 undefined8.68 undefined
201532.51 undefined8.73 undefined
201437.02 undefined10.34 undefined
201339.23 undefined10.61 undefined
201245.07 undefined11.21 undefined
201141.49 undefined11.05 undefined
201037.7 undefined9.62 undefined
200938.99 undefined9.2 undefined
200846.48 undefined13.45 undefined
200744.99 undefined12.26 undefined
200639.31 undefined10.71 undefined
200538.27 undefined9.23 undefined
200437.21 undefined7.93 undefined

Bank Polska Kasa Opieki business model

Bank Polska Kasa Opieki SA, commonly known as Pekao, is a leading bank in Poland. It was founded in 1929 and is considered one of the country's oldest and most well-known banks. The history of Pekao began in Krakow, when a group of businessmen established a bank to meet the need for credit for trade and industry. The bank was originally founded as Bank Handlowy w Krakowie SA and has since experienced a series of mergers, acquisitions, and rebrandings. In 2001, Bank Handlowy w Krakowie was integrated into Pekao SA, further strengthening the size and strength of the bank. Today, Pekao is a publicly traded bank with a wide range of services and products for retail and corporate customers. Pekao's business model focuses on three core areas: retail customers, corporate customers, and investment banking. Within these areas, the bank offers a wide range of products and services, including accounts, loans, investment services, payment processing, stock trading, and asset management. In the retail banking business, Pekao offers various account options, including standard, premium, and online banking. Additionally, the bank provides loans for the purchase of homes, cars, and other consumer goods. Customers also have access to various investment and savings products, including investment funds, retirement plans, and savings accounts. The bank also has a loyalty points system that allows long-term customers to accumulate points and later exchange them for rewards. In the corporate banking business, Pekao focuses on small and medium-sized enterprises as well as large corporations. The bank offers loans, leasing financing, payment processing, trade finance solutions, and other services to help businesses increase their profitability and growth. Pekao also provides specialized services for industries such as energy, real estate, healthcare, and more. Pekao's investment banking is focused on the Polish capital market and offers clients a wide range of venture capital, initial public offering, mergers and acquisitions advisory services, as well as bond issuance structuring. The company also has a comprehensive research team that informs clients about the latest developments in the Polish economy and specific industries. Pekao has also emphasized digital banking services and has invested in innovations and technology in recent years to improve customer service. The bank offers a mobile app that allows customers to manage their accounts and transactions from anywhere. Pekao has also invested in artificial intelligence and data analysis to offer customers personalized services and combat fraud. Overall, Pekao is an established and trusted bank in Poland with a wide range of services and products for retail and business customers. The bank has looked back on a long history of expansion and diversification over the years to strengthen its business and expand its offerings to customers. By focusing on digital banking services and innovations, Pekao is also well positioned for the future. Bank Polska Kasa Opieki is one of the most popular companies on Eulerpool.com.

Bank Polska Kasa Opieki SWOT Analysis

Strengths

Bank Polska Kasa Opieki SA has a strong brand reputation in the Polish banking industry.

The bank has a wide network of branches and ATMs, providing easy access to its services for customers.

Bank Polska Kasa Opieki SA offers a diverse range of banking products and services, catering to the needs of individual customers, businesses, and institutions.

Weaknesses

The bank faces intense competition from other domestic and international banks operating in Poland, which may impact its market share and profitability.

Bank Polska Kasa Opieki SA lags behind some competitors in terms of technological advancements and digital banking capabilities.

The bank's customer service and response times could be improved to enhance customer satisfaction.

Opportunities

There is a growing demand for digital banking solutions in the Polish market, presenting an opportunity for Bank Polska Kasa Opieki SA to enhance its technological infrastructure and offer innovative online banking services.

Expansion into new markets or segments, such as wealth management, can help the bank diversify its revenue streams and attract new customers.

Collaboration with fintech companies can provide the bank with access to cutting-edge technologies and help drive innovation.

Threats

Economic instability or recession in Poland and global markets could lead to a decrease in demand for banking services and adversely impact the bank's financial performance.

Regulatory changes and compliance requirements pose a challenge for Bank Polska Kasa Opieki SA, as failure to comply may result in penalties or reputational damage.

Cybersecurity threats and data breaches are a significant risk for the bank, requiring continuous investment in security measures to protect customer information.

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Bank Polska Kasa Opieki Eulerpool Fair Value

Details

Fair Value

Understanding Fair Value

The fair value of a stock provides insights into whether the stock is currently undervalued or overvalued. It is calculated based on profit, revenue, or dividends and offers a comprehensive perspective of the stock’s intrinsic value.

Income-Based Fair Value

This is calculated by multiplying the earnings per share by the average P/E ratio of the selected past years for smoothing. If the fair value is higher than the current market price, it suggests that the stock is undervalued.

Example 2022

Fair Value Profit 2022 = Earnings per Share 2022 / Average P/E Ratio 2019 - 2021 (3 Years Smoothing)

Revenue-Based Fair Value

It is derived by multiplying the revenue per share by the average price-to-sales ratio of the selected past years for smoothing. An undervalued stock is identified if the fair value exceeds the ongoing market price.

Example 2022

Fair Value Revenue 2022 = Revenue per Share 2022 / Average PSR 2019 - 2021 (3 Years Smoothing)

Dividend-Based Fair Value

This value is determined by dividing the dividend per share by the average dividend yield of the selected past years for smoothing. A higher fair value than the market price indicates an undervalued stock.

Example 2022

Fair Value Dividend 2022 = Dividend per Share 2022 * Average Dividend Yield 2019 - 2021 (3 Years Smoothing)

Expectations and Forecasts

Future expectations provide potential trajectories for stock prices and aid investors in decision-making. The expected values are forecasted figures of fair value, taking into account the growth or decline trends of profit, revenue, or dividend.

Comparative Analysis

Comparing the fair value based on profit, revenue, and dividend provides a holistic overview of the stock’s financial health. Observing the annual and per-annual variations contributes to understanding the consistency and reliability of stock performance.

Bank Polska Kasa Opieki historical P/E ratio, EBIT multiple, and P/S ratio

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Bank Polska Kasa Opieki shares outstanding

The number of shares was Bank Polska Kasa Opieki in 2023 — This indicates how many shares 262.47 M is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
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Number of stocks
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Revenue, EBIT and Earnings per share

Revenue Per Share

Revenue per share represents the total revenue Bank Polska Kasa Opieki earns, divided by the number of outstanding shares. It is a crucial metric as it reflects the company's ability to generate sales and signifies growth and expansion potential. Comparing yearly revenue per share allows investors to analyze the consistency in a company’s earnings and predict future trends.

EBIT Per Share

EBIT per share indicates Bank Polska Kasa Opieki's earning before interest and taxes, offering insights into operational profitability excluding the effects of capital structure and tax rates. It can be juxtaposed against revenue per share to gauge the efficiency in converting sales into profits. A consistent increase in EBIT per share over the years underscores operational efficiency and profitability.

Income Per Share

Income per share, or earnings per share (EPS), reveals the portion of Bank Polska Kasa Opieki’s profit allocated to each share of common stock. It’s instrumental in evaluating the profitability and financial health. By comparing it with revenue and EBIT per share, investors discern how effectively a firm translates sales and operational profits into net income.

Expected Values

Expected values are projections of revenue, EBIT, and income per share for forthcoming years. These anticipations, rooted in historical data and market analysis, aid investors in strategizing their investments, evaluating Bank Polska Kasa Opieki's prospective performance, and estimating future stock prices. However, it’s pivotal to consider market volatilities and uncertainties that can influence these projections.

Bank Polska Kasa Opieki dividend history and estimates

In 2023, Bank Polska Kasa Opieki paid a dividend amounting to 5.42 PLN. Dividend means that Bank Polska Kasa Opieki distributes a portion of its profits to its owners.
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Dividend
Dividend (Estimate)
Details

Dividend

Dividend Overview

The dividend per year chart for Bank Polska Kasa Opieki provides a comprehensive view of the annual dividends distributed to shareholders. Analyze the trend to understand the consistency and growth in dividend payouts over the years.

Interpretation and Use

A consistent or increasing trend in dividends can indicate the company's profitability and financial health. Investors can use this data to identify Bank Polska Kasa Opieki’s potential for long-term investment and income generation through dividends.

Investment Strategy

Incorporate the dividend data in evaluating Bank Polska Kasa Opieki's overall performance. A thorough analysis, considering other financial aspects, will help in making informed investment decisions for optimal capital growth and income generation.

Bank Polska Kasa Opieki Dividend History

DateBank Polska Kasa Opieki Dividend
2028e5.6 undefined
2027e5.6 undefined
2026e5.6 undefined
2025e5.59 undefined
2024e5.61 undefined
20235.42 undefined
20224.3 undefined
20213.21 undefined
20196.6 undefined
20187.9 undefined
20178.68 undefined
20168.7 undefined
201510 undefined
20149.96 undefined
20138.39 undefined
20125.38 undefined
20116.8 undefined
20102.9 undefined
20089.6 undefined
20079 undefined
20067.4 undefined
20056.4 undefined
20044.5 undefined

Bank Polska Kasa Opieki dividend payout ratio

In 2023, Bank Polska Kasa Opieki had a payout ratio of 55.3%. The payout ratio indicates the percentage of the company's profits that Bank Polska Kasa Opieki distributes as dividends.
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Payout ratio
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Payout ratio

What is Yearly Payout Ratio?

The yearly payout ratio for Bank Polska Kasa Opieki represents the proportion of earnings paid out as dividends to shareholders. It is an indicator of the company's financial health and stability, illustrating how much profit is being returned to investors versus being reinvested back into the company.

How to Interpret the Data

A lower payout ratio for Bank Polska Kasa Opieki could mean that the company is reinvesting more into its growth, whereas a higher ratio indicates more earnings are being distributed as dividends. Investors seeking regular income might prefer companies with a higher payout ratio, while those looking for growth may opt for companies with a lower ratio.

Using the Data for Investments

Evaluate Bank Polska Kasa Opieki's payout ratio in conjunction with other financial metrics and performance indicators. A sustainable payout ratio, coupled with strong financial health, can indicate a reliable dividend payout. However, a very high ratio might suggest the company is not sufficiently reinvesting in its future growth.

Bank Polska Kasa Opieki Payout Ratio History

DateBank Polska Kasa Opieki Payout ratio
2028e56.42 %
2027e55.63 %
2026e55.54 %
2025e58.09 %
2024e53.24 %
202355.3 %
202265.71 %
202138.72 %
202061.48 %
201980 %
201890.7 %
201792.05 %
2016100.23 %
2015114.55 %
201496.32 %
201379.15 %
201247.99 %
201161.59 %
201030.15 %
200961.48 %
200871.38 %
200773.41 %
200669.09 %
200569.34 %
200456.75 %
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Unfortunately, there are currently no price targets and forecasts available for Bank Polska Kasa Opieki.

Bank Polska Kasa Opieki latest earnings and earnings surprises

DateEPS EstimateEPS ActualQuarterly report
9/30/20246.17 6.96  (12.78 %)2024 Q3
6/30/20244.6 5.41  (17.72 %)2024 Q2
3/31/20243.7 5.77  (56.09 %)2024 Q1
12/31/20235.56 6.56  (18.09 %)2023 Q4
9/30/20235.69 6.54  (15.01 %)2023 Q3
6/30/2023-0.03 6.45  (21,387.13 %)2023 Q2
3/31/20233.42 5.51  (60.93 %)2023 Q1
12/31/20224.1 3.37  (-17.75 %)2022 Q4
9/30/20222.59 -2.07  (-180.06 %)2022 Q3
6/30/20224.41 1.78  (-59.67 %)2022 Q2
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Eulerpool ESG Scorecard© for the Bank Polska Kasa Opieki stock

Eulerpool World ESG Rating (EESG©)

87/ 100

🌱 Environment

99

👫 Social

99

🏛️ Governance

62

Environment

Scope 1 - Direct Emissions
8,687
Scope 2 - Indirect emissions from purchased energy
38,762
Scope 3 - Indirect emissions within the value chain
Total CO₂ emissions
47,449
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency

Social

Percentage of female employees69.3
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Bank Polska Kasa Opieki shareholders

%
Name
Stocks
Change
Date
20.00000 % Powszechny Zaklad Ubezpieczen SA52,494,00707/25/2024
12.80000 % Polski Fundusz Rozwoju S.A.33,596,16607/25/2024
7.19816 % Goldman Sachs Towarzystwo Funduszy Inwestycyjnych SA18,893,0002,093,0007/25/2024
5.40064 % PTE Allianz Polska S.A.14,175,051-1,325,0007/25/2024
1.93450 % The Vanguard Group, Inc.5,077,47019,0899/30/2024
1.35583 % BlackRock Institutional Trust Company, N.A.3,558,65513,9639/30/2024
0.96625 % Norges Bank Investment Management (NBIM)2,536,111-814,6796/30/2024
0.93528 % APG Asset Management N.V.2,454,842801,16312/31/2023
0.74482 % BlackRock Investment Management (UK) Ltd.1,954,9211,7549/30/2024
0.69043 % Schroder Investment Management Ltd. (SIM)1,812,17908/31/2024
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Bank Polska Kasa Opieki Executives and Management Board

Ms. Magdalena Zmitrowicz

Bank Polska Kasa Opieki Vice Chairman of the Management Board - Supervising the Banking Enterprise Division
Compensation 2.4 M

Mr. Jaroslaw Fuchs

Bank Polska Kasa Opieki Vice President of the Management Board - Supervising the Private Banking and Investment Products Division
Compensation 2.15 M

Mr. Marcin Gadomski

Bank Polska Kasa Opieki Vice President of the Management Board - Supervising the Risk Management Division
Compensation 1.91 M

Mr. Leszek Skiba

Bank Polska Kasa Opieki President of the Management Board
Compensation 1.9 M

Mr. Jerzy Kwiecinski

Bank Polska Kasa Opieki Vice President of the Management Board - Supervising the Corporate Banking and MIB Division
Compensation 1.46 M
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Most common questions regarding Bank Polska Kasa Opieki

What values and corporate philosophy does Bank Polska Kasa Opieki represent?

Bank Polska Kasa Opieki SA represents a strong set of values and a robust corporate philosophy. The company is committed to operating with integrity, transparency, and professionalism in all its endeavors. Bank Polska Kasa Opieki SA prioritizes customer satisfaction, consistently striving to provide exceptional financial services and solutions. The company also places great emphasis on maintaining a strong corporate governance framework, ensuring responsible and sustainable business practices. Bank Polska Kasa Opieki SA is dedicated to fostering long-term relationships with customers and stakeholders, while continuously adapting to the dynamic nature of the financial industry.

In which countries and regions is Bank Polska Kasa Opieki primarily present?

Bank Polska Kasa Opieki SA (Bank Pekao SA) is primarily present in Poland, where it is one of the largest banks. With a strong market position and extensive branch network, Bank Pekao SA serves individual and corporate customers throughout the country. As a leading financial institution, it offers a wide range of banking services, including retail, corporate, and investment banking. Bank Pekao SA focuses on fostering growth and supporting the development of the Polish economy, contributing to the financial stability and prosperity of the country.

What significant milestones has the company Bank Polska Kasa Opieki achieved?

Bank Polska Kasa Opieki SA, commonly known as Pekao, has achieved several significant milestones throughout its long-standing history. Established in 1929, Pekao has played a crucial role in the development of the Polish financial sector. Over the years, the company has expanded its operations, becoming one of the largest and most reputable banks in Poland. Pekao has successfully navigated through various economic challenges, demonstrating resilience and adaptability. Moreover, the bank has continuously implemented innovative solutions and advanced technologies to enhance its services and improve customer experience. Pekao's commitment to excellence and its strategic partnerships have contributed to its sustained growth and strong market position.

What is the history and background of the company Bank Polska Kasa Opieki?

Bank Polska Kasa Opieki SA, commonly known as Pekao Bank, is one of the largest financial institutions in Poland. Established in 1929, Pekao Bank has a rich history and an extensive background in the banking sector. With its headquarters in Warsaw, the bank offers a comprehensive range of banking and financial services to both individuals and businesses. Over the years, Pekao Bank has achieved significant growth and a strong market position, becoming a trusted and reliable partner for its customers. With a commitment to innovation and a customer-centric approach, Bank Polska Kasa Opieki SA continues to play a vital role in the Polish banking industry.

Who are the main competitors of Bank Polska Kasa Opieki in the market?

The main competitors of Bank Polska Kasa Opieki SA in the market include Santander Bank Polska, ING Bank Śląski, and mBank.

In which industries is Bank Polska Kasa Opieki primarily active?

Bank Polska Kasa Opieki SA, also known as Bank Pekao, is primarily active in the banking industry. As one of the largest financial institutions in Poland, Bank Pekao offers a wide range of banking services to individual and corporate clients. Its core activities include retail banking, corporate banking, investment banking, asset management, and insurance services. With a strong presence in the Polish market, Bank Polska Kasa Opieki SA has established itself as a trusted and reputable financial institution, providing innovative solutions and contributing to the growth and development of the banking sector in Poland.

What is the business model of Bank Polska Kasa Opieki?

The business model of Bank Polska Kasa Opieki SA, commonly known as Bank Pekao, revolves around providing comprehensive banking services in Poland. As one of the country's largest financial institutions, Bank Pekao focuses on retail, corporate, and investment banking activities. It offers a diverse range of products and services including loans, deposits, payment solutions, insurance, asset management, and capital market operations. With a customer-centric approach and a strong emphasis on modern banking technologies, Bank Pekao strives to meet the financial needs of individuals, businesses, and institutional clients, contributing to the growth and development of the Polish economy.

What is the P/E ratio of Bank Polska Kasa Opieki 2024?

The Bank Polska Kasa Opieki P/E ratio is 5.71.

What is the P/S ratio of Bank Polska Kasa Opieki 2024?

The Bank Polska Kasa Opieki P/S ratio is 2.38.

What is the Quality Investing of Bank Polska Kasa Opieki?

The Quality Investing for Bank Polska Kasa Opieki is 6/10.

What is the revenue of Bank Polska Kasa Opieki 2024?

The expected Bank Polska Kasa Opieki revenue is 15.57 B PLN.

How high is the profit of Bank Polska Kasa Opieki 2024?

The expected Bank Polska Kasa Opieki profit is 6.48 B PLN.

What is the business model of Bank Polska Kasa Opieki

Bank Polska Kasa Opieki SA, also known as PKO Bank Polski, is a Polish bank that offers a variety of products and services. These range from traditional banking services such as deposits, loans, and foreign exchange trading to insurance, asset management, and investment funds. The company is considered one of the largest and leading banks in Poland, with a market share of approximately 17% in the Polish banking sector. PKO Bank Polski's business model is based on several main divisions, including retail banking, corporate banking, investment banking, and asset management. In retail banking, the bank offers a wide range of services and products for individual customers, including checking accounts, credit cards, personal loans, car loans, and various insurance options. The bank also operates in the mortgage sector and offers a variety of loans to meet the needs of different customers. The corporate banking division of PKO Bank Polski caters to businesses and provides a wide range of services and products, including accounts, loans, payment processing, cash management, foreign exchange trading, and advisory services. The company also has a strong presence in export and import financing and offers e-commerce services such as online trading platforms. The investment banking division of the bank includes services such as securities trading, investment advisory, underwriting, and corporate finance. The asset management division offers a wide range of investment and asset management services, including asset management products such as investment funds, pension funds, and insurance. In addition to these main divisions, PKO Bank Polski also offers other services, including payment services, currency conversions, online and mobile banking, brokerage, insurance services, pension planning, and various other banking products. Furthermore, the company has a strong presence in the field of social responsibility and supports various programs and initiatives to promote the development of local communities and improve economic growth in Poland. In summary, PKO Bank Polski offers a wide range of services and products to meet the needs and requirements of its customers. The company has a strong presence in the Polish banking sector and is committed to promoting the development and growth of the Polish economy and society.

What is the Bank Polska Kasa Opieki dividend?

Bank Polska Kasa Opieki pays a dividend of 4.3 PLN distributed over 1 payouts per year.

How often does Bank Polska Kasa Opieki pay dividends?

Bank Polska Kasa Opieki pays out a dividend 1 times a year.

What is the Bank Polska Kasa Opieki ISIN?

The ISIN of Bank Polska Kasa Opieki is PLPEKAO00016.

What is the Bank Polska Kasa Opieki WKN?

The WKN of Bank Polska Kasa Opieki is 914910.

What is the Bank Polska Kasa Opieki ticker?

The ticker of Bank Polska Kasa Opieki is PEO.WA.

How much dividend does Bank Polska Kasa Opieki pay?

Over the past 12 months, Bank Polska Kasa Opieki paid a dividend of 5.42 PLN . This corresponds to a dividend yield of about 3.84 %. For the coming 12 months, Bank Polska Kasa Opieki is expected to pay a dividend of 5.59 PLN.

What is the dividend yield of Bank Polska Kasa Opieki?

The current dividend yield of Bank Polska Kasa Opieki is 3.84 %.

When does Bank Polska Kasa Opieki pay dividends?

Bank Polska Kasa Opieki pays a quarterly dividend. This is distributed in the months of October, August, August, May.

How secure is the dividend of Bank Polska Kasa Opieki?

Bank Polska Kasa Opieki paid dividends every year for the past 8 years.

What is the dividend of Bank Polska Kasa Opieki?

For the upcoming 12 months, dividends amounting to 5.59 PLN are expected. This corresponds to a dividend yield of 4.03 %.

In which sector is Bank Polska Kasa Opieki located?

Bank Polska Kasa Opieki is assigned to the 'Finance' sector.

Wann musste ich die Aktien von Bank Polska Kasa Opieki kaufen, um die vorherige Dividende zu erhalten?

To receive the latest dividend of Bank Polska Kasa Opieki from 5/10/2024 amounting to 19.2 PLN, you needed to have the stock in your portfolio before the ex-date on 4/23/2024.

When did Bank Polska Kasa Opieki pay the last dividend?

The last dividend was paid out on 5/10/2024.

What was the dividend of Bank Polska Kasa Opieki in the year 2023?

In the year 2023, Bank Polska Kasa Opieki distributed 4.3 PLN as dividends.

In which currency does Bank Polska Kasa Opieki pay out the dividend?

The dividends of Bank Polska Kasa Opieki are distributed in PLN.

All fundamentals about Bank Polska Kasa Opieki

Our stock analysis for Bank Polska Kasa Opieki Revenue stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Bank Polska Kasa Opieki Revenue. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.