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Bank Polska Kasa Opieki S.A. PEO.WA

PL · Warsaw Stock Exchange · XWAR · stock · Financial Services · website

Bank Polska Kasa Opieki S.A. statistics & valuation

Market capzł 68.0B
P / E9.7×
P / S3.9×
P / B1.9×
P / FCF8.2×
Net margin40.3%
FCF margin47.9%
Net debtzł 18.7B
Enterprise value USD$23.3B
Graham number +9.8%zł 284.60

Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (zł 284.60); a green figure means the price is below it.

Profitability & efficiency

Net margin (%)
15.30% 43.50% 39.40% 40.30% 2022202320242025
Gross margin (%)
2022202320242025
Operating margin (%)
2022202320242025
Return on equity (%)
7.50% 21.90% 20.00% 19.80% 2022202320242025
Shares outstanding
262.5M 262.5M 262.5M 262.5M 2022202320242025
Net debt (zł )
zł 848.0M zł 3.85B zł 10.76B zł 18.66B 2022202320242025
Share buybacks (zł )
2022202320242025
Return on assets (%)
0.60% 2.20% 1.90% 2.00% 2022202320242025
Free cash flow margin (%)
159.60% 183.70% 147.30% 47.90% 2022202320242025
Debt / equity (×)
0.82× 0.61× 0.78× 0.87× 2022202320242025
EPS (zł )
zł 6.54 zł 25.37 zł 24.29 zł 26.73 2022202320242025

Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).

P / E vs its own history

Bank Polska Kasa Opieki S.A. trades at about 9.7× earnings — above its 10-year norm (10-year range 6.1×–14.1×, median 8.1×).

6.1× 14.1×

Shaded band = 10-year range (6.1×–14.1×); dot = today's 9.7×.

Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.

Key ratios (by fiscal year)

RatioFY2025FY2024FY2023FY2022
Net margin40.3%39.4%43.5%15.3%
FCF margin47.9%147.3%183.7%159.6%
Return on assets2.0%1.9%2.2%0.6%
Return on equity19.8%20.0%21.9%7.5%

Computed from company filings · PL · as of 2025-12-31. Figures in PLN. Facts plus Stocktoria's own computed scores — not investment advice.