Bank Polska Kasa Opieki (PEO) Stock Overview
A commercial bank, provides banking products and services to retail and corporate clients in Poland. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 0/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 5/6 |
PEO Community Fair Values
Create NarrativeSee what 24 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Bank Polska Kasa Opieki S.A. Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | zł228.80 |
| 52 Week High | zł253.90 |
| 52 Week Low | zł170.75 |
| Beta | 0.52 |
| 1 Month Change | -5.42% |
| 3 Month Change | 2.33% |
| 1 Year Change | 25.37% |
| 3 Year Change | 116.97% |
| 5 Year Change | 150.16% |
| Change since IPO | 275.08% |
Recent News & Updates
Narrative Update • Jun 24
PEO: Neutral Outlook Will Weigh Stable Earnings Profile Against Dividend And Execution Risk
Analysts have made a modest upward revision to the Bank Polska Kasa Opieki price target, lifting it by about PLN 2 to reflect slightly higher modeled fair value, a marginally adjusted discount rate, and small refinements to revenue growth, profit margin, and future P/E assumptions. What's in the News There are currently no recent public news items provided for Bank Polska Kasa Opieki in the supplied sources.Narrative Update • Jun 06
PEO: Neutral Outlook Will Balance Regional Banking Story Against Dividend And Execution Risk
Analysts have slightly raised their fair value estimate for Bank Polska Kasa Opieki to PLN 248.51 from PLN 244.58. This reflects updated assumptions around revenue growth, profit margin and future P/E, alongside mixed Street views including a recent downgrade and a new Equal Weight initiation with a PLN 265 price target.Narrative Update • May 12
PEO: Neutral Stance Will Balance Regional Opportunity Against Fresh Dividend And Execution Risk
Analysts have nudged their fair value estimate for Bank Polska Kasa Opieki higher, from PLN 239.91 to about PLN 244.58. This reflects the mix of a raised PLN 237 price target at Barclays, a fresh PLN 265 target from Morgan Stanley, and a recent downgrade at Citi that has made the overall outlook more balanced.Recent updates
Narrative Update • Jun 24
PEO: Neutral Outlook Will Weigh Stable Earnings Profile Against Dividend And Execution Risk
Analysts have made a modest upward revision to the Bank Polska Kasa Opieki price target, lifting it by about PLN 2 to reflect slightly higher modeled fair value, a marginally adjusted discount rate, and small refinements to revenue growth, profit margin, and future P/E assumptions. What's in the News There are currently no recent public news items provided for Bank Polska Kasa Opieki in the supplied sources.Narrative Update • Jun 06
PEO: Neutral Outlook Will Balance Regional Banking Story Against Dividend And Execution Risk
Analysts have slightly raised their fair value estimate for Bank Polska Kasa Opieki to PLN 248.51 from PLN 244.58. This reflects updated assumptions around revenue growth, profit margin and future P/E, alongside mixed Street views including a recent downgrade and a new Equal Weight initiation with a PLN 265 price target.Narrative Update • May 12
PEO: Neutral Stance Will Balance Regional Opportunity Against Fresh Dividend And Execution Risk
Analysts have nudged their fair value estimate for Bank Polska Kasa Opieki higher, from PLN 239.91 to about PLN 244.58. This reflects the mix of a raised PLN 237 price target at Barclays, a fresh PLN 265 target from Morgan Stanley, and a recent downgrade at Citi that has made the overall outlook more balanced.Narrative Update • Apr 22
PEO: Neutral View Will Balance PLN 239 Fairness Against Regional Execution Risk
Analysts lifted their fair value estimate for Bank Polska Kasa Opieki from PLN 233.62 to PLN 239.91, reflecting slightly higher assumptions for revenue growth, profit margin and future P/E after recent research that includes a higher PLN 237 target from Barclays, an Equal Weight initiation with a PLN 265 target at Morgan Stanley, and a fresh downgrade from Citi. Analyst Commentary Bullish and bearish analysts are split on Bank Polska Kasa Opieki, with recent research focusing on how much growth is already reflected in the current valuation and how reliably the bank can execute on its regional opportunities.Narrative Update • Apr 07
PEO: Neutral Stance Will Weigh PLN 233 Fairness Against Regional Execution Risk
Narrative Update on Bank Polska Kasa Opieki The analyst price target for Bank Polska Kasa Opieki has been revised to PLN 237, a PLN 14 uplift. Analysts point to mixed recent research that includes a new Equal Weight initiation and a raised target at PLN 237, alongside a more cautious stance from another firm.Narrative Update • Mar 22
PEO: Neutral View Will Balance PLN 233 Fairness And Regional Execution Risk
Analysts have nudged the Bank Polska Kasa Opieki fair value estimate higher, with the price target moving from about PLN 225.65 to roughly PLN 233.62. They cite refined assumptions around revenue growth, profitability and future P/E expectations, in the context of recent research that includes a Barclays target lift to PLN 237 and a new Equal Weight initiation at Morgan Stanley.Narrative Update • Mar 07
PEO: Neutral Stance Will Balance Higher PLN 237 Outlook And Profitability Risks
Analysts have lifted their price target for Bank Polska Kasa Opieki to PLN 237 from PLN 223, reflecting updated assumptions on fair value, discount rate, profitability, and future P/E, as highlighted in recent research. Analyst Commentary Recent research around the new PLN 237 price target focuses on how current market pricing lines up with updated views on fair value, discount rates, profitability, and future P/E assumptions.Narrative Update • Feb 20
PEO: Neutral View Will Balance Higher Margin Outlook And Execution Risks
The analyst price target for Bank Polska Kasa Opieki has been adjusted slightly higher from PLN 217.93 to PLN 221.49. Analysts cite updated assumptions around revenue growth, profit margins and future P/E as the key drivers of this change.Narrative Update • Feb 06
PEO: Neutral View Will Balance Higher Margin Assumptions And Execution Risks
Analysts have raised their price target for Bank Polska Kasa Opieki, increasing their fair value estimate from €215.49 to €217.93 after updating assumptions around the discount rate, revenue growth, profit margin and future P/E levels. Valuation Changes Fair Value Estimate edged higher from €215.49 to €217.93 per share, suggesting only a minor adjustment to the underlying valuation range.Narrative Update • Jan 22
PEO: Neutral View Will Balance Higher Fair Value And Execution Risks
Analysts have nudged their price target for Bank Polska Kasa Opieki higher, with fair value moving from €212.65 to €215.49 as they factor in updated assumptions on revenue growth, profit margins and future P/E multiples. Valuation Changes The fair value estimate has risen slightly, moving from €212.65 to €215.49.Narrative Update • Jan 08
PEO: Neutral Stance Will Balance Trimmed PLN 200 Outlook And Execution Risks
Analysts have trimmed their price target for Bank Polska Kasa Opieki to about PLN 200 from roughly PLN 213, reflecting a more cautious stance after a downgrade to Neutral, while keeping core assumptions such as the discount rate, revenue growth, profit margin and future P/E broadly unchanged. Analyst Commentary Bullish Takeaways Bullish analysts see the PLN 200 target as consistent with the bank's existing fundamentals, since key inputs such as discount rate, revenue growth, profit margin and future P/E remain largely intact.Narrative Update • Dec 13
PEO: Neutral Outlook Will Reflect Balanced Earnings Prospects And Rising Risk Profile
Analysts have modestly raised their fair value estimate for Bank Polska Kasa Opieki from PLN 208 to approximately PLN 213, reflecting slightly higher revenue growth expectations and valuation multiples, even as they temper margin assumptions and align with more cautious Street targets around PLN 200. Analyst Commentary Recent commentary suggests that, while the stock’s fundamental story remains intact, its risk reward profile has become more balanced at current levels.Analysis Article • Nov 08
With EPS Growth And More, Bank Polska Kasa Opieki (WSE:PEO) Makes An Interesting Case
It's common for many investors, especially those who are inexperienced, to buy shares in companies with a good story...Narrative Update • Oct 26
Profit Margin Uncertainty And Neutral Outlook Will Influence Future Performance
Narrative Update on Bank Polska Kasa Opieki Analysts have slightly lowered their price target for Bank Polska Kasa Opieki from PLN 210.03 to PLN 207.78. The modest adjustment reflects tempered profit margin expectations and recent research downgrading the stock’s outlook to Neutral.Narrative Update • Aug 27
Falling Interest Rates And Rising Costs Will Pressure Margins
With both the discount rate and future P/E ratio remaining essentially unchanged, analysts have maintained Bank Polska Kasa Opieki’s fair value at PLN208.95. What's in the News Bank Polska Kasa Opieki S.A. has scheduled a Special/Extraordinary Shareholders Meeting on Sep 03, 2025, at 10:00 Central European Standard Time.
New Narrative • Nov 25
Energy Transformation Fuels Growth But Regulatory Hurdles And Margin Pressures Loom
Bank Polska Kasa Opieki's focus on energy transformation and digitization supports growth in corporate banking, improving revenue and net margins.Shareholder Returns
| PEO | PL Banks | PL Market | |
|---|---|---|---|
| 7D | -1.0% | -2.0% | -2.4% |
| 1Y | 25.4% | 36.3% | 21.5% |
Return vs Industry: PEO underperformed the Polish Banks industry which returned 36.3% over the past year.
Return vs Market: PEO exceeded the Polish Market which returned 21.5% over the past year.
Price Volatility
| PEO volatility | |
|---|---|
| PEO Average Weekly Movement | 4.0% |
| Banks Industry Average Movement | 4.7% |
| Market Average Movement | 5.3% |
| 10% most volatile stocks in PL Market | 10.5% |
| 10% least volatile stocks in PL Market | 3.0% |
Stable Share Price: PEO has not had significant price volatility in the past 3 months compared to the Polish market.
Volatility Over Time: PEO's weekly volatility (4%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1929 | 14,783 | Cezary Stypulkowski | www.pekao.com.pl |
Bank Polska Kasa Opieki S.A., a commercial bank, provides banking products and services to retail and corporate clients in Poland. It operates through Retail Banking and Private Banking; Enterprise banking; and Corporate and Investment Banking segments. The company offers bank accounts, deposits and certificates of deposit, payment cards, loan products, mortgage and consumer loans, and insurance products.
Bank Polska Kasa Opieki S.A. Fundamentals Summary
| PEO fundamental statistics | |
|---|---|
| Market cap | zł60.05b |
| Earnings (TTM) | zł6.56b |
| Revenue (TTM) | zł16.05b |
9.2x
P/E Ratio1.7x
P/B RatioIs PEO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| PEO income statement (TTM) | |
|---|---|
| Revenue | zł16.05b |
| Cost of Revenue | zł0 |
| Gross Profit | zł16.05b |
| Other Expenses | zł9.48b |
| Earnings | zł6.56b |
Last Reported Earnings
Mar 31, 2026
Next Earnings Date
Jul 30, 2026
| Earnings per share (EPS) | 25.00 |
| Gross Margin | 100.00% |
| Net Profit Margin | 40.89% |
| Debt/Equity Ratio | 101.7% |
How did PEO perform over the long term?
See historical performance and comparisonDividends
8.6%
Current Dividend Yield79%
Payout RatioCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/06/30 02:18 |
| End of Day Share Price | 2026/06/30 00:00 |
| Earnings | 2026/03/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
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| Ownership | 10 years |
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| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Bank Polska Kasa Opieki S.A. is covered by 29 analysts. 12 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Cristina Marzea | Barclays |
| Krishnendra Dubey | Barclays |
| Andreas Markou | Berenberg |