Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

SEP:PKO Stock Report

Market Cap: Kč439.9b

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Valuation

Is PKO undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of PKO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: PKO (CZK360.4) is trading below our estimate of fair value (CZK617.34)

Significantly Below Fair Value: PKO is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PKO?

Other financial metrics that can be useful for relative valuation.

PKO key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ratio0.8x

Price to Earnings Ratio vs Peers

How does PKO's PE Ratio compare to its peers?

The above table shows the PE ratio for PKO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average8.3x
KOMB Komercní banka
10.5x2.4%Kč164.2b
MONET MONETA Money Bank
9.2x2.9%Kč48.6b
A055550 Shinhan Financial Group
5.7x7.5%₩23.8t
BANKBARODA Bank of Baroda
7.7x2.9%₹1.5t
PKO Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
13.8x17.4%Kč75.9b

Price-To-Earnings vs Peers: PKO is expensive based on its Price-To-Earnings Ratio (13.8x) compared to the peer average (8.3x).

Price to Earnings Ratio vs Industry

How does PKO's PE Ratio compare vs other companies in the European Banks Industry?

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a0.4%
 n/an/an/a
No. of CompaniesPE048121620

Fetching data

0 CompaniesPrice / EarningsEstimated GrowthMarket Cap
Industry Avg.n/a0.4%
 n/an/an/a
No more companies

Price-To-Earnings vs Industry: PKO is expensive based on its Price-To-Earnings Ratio (13.8x) compared to the European Banks industry average (7.7x).

Price to Earnings Ratio vs Fair Ratio

What is PKO's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

PKO PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio13.8x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate PKO's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst PKO forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentKč360.40
Kč390.29
+8.3%
11.9%Kč483.48Kč320.38n/a11
Apr ’25Kč345.40
Kč366.40
+6.1%
12.3%Kč434.78Kč307.87n/a10
Mar ’25Kč330.10
Kč327.72
-0.7%
14.1%Kč434.32Kč250.02n/a11
Feb ’25Kč290.60
Kč317.31
+9.2%
12.3%Kč391.53Kč245.28n/a11
Jan ’25Kč287.90
Kč295.86
+2.8%
9.9%Kč343.52Kč239.90n/a11
Dec ’24n/a
Kč282.27
0%
10.9%Kč340.59Kč234.51n/a11
Nov ’24n/a
Kč240.39
0%
9.5%Kč276.31Kč198.94n/a11
Oct ’24Kč183.85
Kč219.30
+19.3%
8.5%Kč251.87Kč188.91n/a12
Sep ’24n/a
Kč223.95
0%
10.4%Kč258.71Kč188.64n/a12
Aug ’24Kč216.90
Kč221.06
+1.9%
9.4%Kč253.81Kč190.22n/a12
Jul ’24n/a
Kč210.35
0%
10.7%Kč246.98Kč180.87n/a12
Jun ’24n/a
Kč196.49
0%
9.9%Kč240.22Kč172.33n/a12
May ’24n/a
Kč189.34
0%
11.3%Kč235.92Kč164.12Kč360.4012
Apr ’24n/a
Kč188.58
0%
11.6%Kč233.14Kč162.18Kč345.4013
Mar ’24Kč154.15
Kč184.97
+20.0%
11.9%Kč228.52Kč149.04Kč330.1013
Feb ’24Kč160.80
Kč188.37
+17.1%
11.8%Kč232.49Kč151.63Kč290.6013
Jan ’24n/a
Kč187.89
0%
14.2%Kč237.79Kč144.74Kč287.9013
Dec ’23Kč151.00
Kč186.78
+23.7%
14.9%Kč239.12Kč140.35n/a13
Nov ’23Kč129.15
Kč189.27
+46.6%
24.5%Kč303.50Kč133.63n/a12
Oct ’23Kč111.00
Kč194.71
+75.4%
23.2%Kč304.46Kč139.21Kč183.8511
Sep ’23Kč116.35
Kč210.22
+80.7%
27.3%Kč342.38Kč140.07n/a12
Aug ’23n/a
Kč215.58
0%
25.9%Kč341.30Kč149.96Kč216.9012
Jul ’23n/a
Kč251.33
0%
23.2%Kč347.49Kč157.95n/a12
Jun ’23n/a
Kč281.22
0%
15.6%Kč354.41Kč204.05n/a12
May ’23n/a
Kč289.39
0%
11.6%Kč347.46Kč226.37n/a12

Analyst Forecast: Target price is less than 20% higher than the current share price.

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