Powszechna Kasa Oszczednosci Bank Polski SA

Chart & Performance

D1W1MN

P/E

9.72

P/S

3.13

EPS

7.44

Div Yield, %

5.35%

Shrs. gr., 5y

—

Rev. gr., 5y

14.34%

Revenues

28.87b

+65.89%

Net income

9.30b

+69.10%

CFO

-5.90b

Dividend

Aug 04, 20255.48 PLN/sh

Earnings

May 07, 2025

Profile

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.

URL

https://www.pkobp.pl/

IPO date

Nov 10, 2004

Employees

25,281

Domiciled in

Incorporated in

Valuation

Order:

Title PLN in thousands, except ratios and share amounts	FY	FY	FY	FY	FY	FY	FY	FY	FY	FY
Title PLN in thousands, except ratios and share amounts	2024‑12	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12
Income
Revenues	28,869,000 65.89%	17,402,000 0.55%	17,306,000 14.25%
Cost of revenue	2,090,000	(14,127,000)	3,270,000
Unusual Expense (Income)
NOPBT	26,779,000	31,529,000	14,036,000
NOPBT Margin	92.76%	181.18%	81.10%
Operating Taxes	3,424,000	3,057,000	1,416,000
Tax Rate	12.79%	9.70%	10.09%
NOPAT	23,355,000	28,472,000	12,620,000
Net income	9,304,000 69.10%	5,502,000 66.12%	3,312,000 -32.05%
Dividends	(4,837,000)		(2,288,000)
Dividend yield	6.48%		6.04%
Proceeds from repurchase of equity
BB yield
Debt
Debt current			11,167,000
Long-term debt		824,000	22,156,000
Deferred revenue			562,000
Other long-term liabilities		168,568,000	(21,536,000)
Net debt	(240,626,000)	(238,099,000)	(148,949,000)
Cash flow
Cash from operating activities	(5,898,000)	16,561,000	18,543,000
CAPEX	(1,252,000)	(1,768,000)	(1,038,000)
Cash from investing activities	1,839,000	(47,578,000)	5,038,000
Cash from financing activities	1,141,000	34,000	(12,361,000)
FCF	(233,509,000)	294,895,000	18,327,000
Balance
Cash	27,379,000	31,292,000	31,505,000
Long term investments	213,247,000	207,631,000	150,767,000
Excess cash	239,182,550	238,052,900	181,406,700
Stockholders' equity	21,867,000	45,227,000	35,435,000
Invested Capital	503,358,000	168,568,000	405,012,000
ROIC	6.95%	9.93%	3.15%
ROCE	5.10%	14.75%	3.19%
EV
Common stock shares outstanding	1,250,000	1,250,000	1,250,000
Price	59.76 18.76%	50.32 66.13%	30.29 -32.58%
Market cap	74,700,000 18.76%	62,900,000 66.13%	37,862,501 -32.58%
EV	(165,937,000)	(175,210,000)	(111,100,499)
EBITDA	28,311,000	32,900,000	15,314,000
EV/EBITDA
Interest	9,986,000	12,899,000	8,327,000
Interest/NOPBT	37.29%	40.91%	59.33%