Powszechna Kasa Oszczednosci Bank Polski SA

Chart & Performance

D1W1MN

P/E

13.55

P/S

1.92

EPS

4.40

Div Yield, %

0.00%

Shrs. gr., 5y

—

Rev. gr., 5y

23.51%

Revenues

17.40b

+0.55%

Net income

5.50b

+66.12%

CFO

16.56b

-10.69%

Dividend

Aug 07, 20242.59 PLN/sh

Earnings

Mar 05, 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	2023‑12	2022‑12	2021‑12	2020‑12	2019‑12	2018‑12	2017‑12	2016‑12	2015‑12	2014‑12
Income
Revenues	17,402,000 0.55%	17,306,000 14.25%	15,148,000 3.85%
Cost of revenue	(14,127,000)	3,270,000	1,880,000
Unusual Expense (Income)
NOPBT	31,529,000	14,036,000	13,268,000
NOPBT Margin	181.18%	81.10%	87.59%
Operating Taxes	3,057,000	1,416,000	1,640,000
Tax Rate	9.70%	10.09%	12.36%
NOPAT	28,472,000	12,620,000	11,628,000
Net income	5,502,000 66.12%	3,312,000 -32.05%	4,874,000 -290.32%
Dividends		(2,288,000)
Dividend yield		6.04%
Proceeds from repurchase of equity
BB yield
Debt
Debt current		11,167,000	16,522,000
Long-term debt	824,000	22,156,000	30,715,000
Deferred revenue		562,000	651,000
Other long-term liabilities	168,568,000	(21,536,000)	(1,007,000)
Net debt	(238,099,000)	(148,949,000)	(120,555,000)
Cash flow
Cash from operating activities	16,561,000	18,543,000	33,211,000
CAPEX	(1,768,000)	(1,038,000)	(1,717,000)
Cash from investing activities	(47,578,000)	5,038,000	(13,715,000)
Cash from financing activities	34,000	(12,361,000)	(8,422,000)
FCF	294,895,000	18,327,000	11,846,000
Balance
Cash	31,292,000	31,505,000	20,051,000
Long term investments	207,631,000	150,767,000	147,741,000
Excess cash	238,052,900	181,406,700	167,034,600
Stockholders' equity	45,227,000	35,435,000	37,693,000
Invested Capital	168,568,000	405,012,000	395,975,000
ROIC	9.93%	3.15%	3.11%
ROCE	14.75%	3.19%	3.06%
EV
Common stock shares outstanding	1,250,000	1,250,000	1,250,000
Price	50.32 66.13%	30.29 -32.58%	44.93 56.44%
Market cap	62,900,000 66.13%	37,862,501 -32.58%	56,162,500 56.44%
EV	(175,210,000)	(111,100,499)	(64,406,500)
EBITDA	32,900,000	15,314,000	14,479,000
EV/EBITDA
Interest	12,899,000	8,327,000	686,000
Interest/NOPBT	40.91%	59.33%	5.17%