Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

DB:P9O Stock Report

Market Cap: €22.2b

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Past Earnings Performance

Past criteria checks 4/6

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna has been growing earnings at an average annual rate of 37.4%, while the Banks industry saw earnings growing at 20.2% annually. Revenues have been growing at an average rate of 25.5% per year. Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna's return on equity is 17.6%, and it has net margins of 34.6%.

Key information

37.39%

Earnings growth rate

37.39%

EPS growth rate

Banks Industry Growth10.63%
Revenue growth rate25.45%
Return on equity17.57%
Net Margin34.62%
Next Earnings Update13 Aug 2025

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

DB:P9O Revenue, expenses and earnings (PLN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
31 Mar 2528,0999,7298,7420
31 Dec 2427,3389,3048,4010
30 Sep 2426,0137,53810,3460
30 Jun 2424,8707,85610,0880
31 Mar 2424,2086,0929,7070
31 Dec 2322,8325,5027,5560
30 Sep 2321,8436,5407,0430
30 Jun 2317,7413,5067,1400
31 Mar 2316,8853,3405,8430
31 Dec 2215,6863,3127,6140
30 Sep 2213,9712,7977,3880
30 Jun 2215,5954,3087,0270
31 Mar 2214,3375,1236,1660
31 Dec 2113,7104,8745,9920
30 Sep 216,628-9045,8830
30 Jun 216,325-1,4505,7650
31 Mar 216,034-1,8835,7540
31 Dec 205,591-2,5575,9000
30 Sep 2012,1912,7416,5580
30 Jun 2012,4243,2586,5580
31 Mar 2012,5823,6726,4750
31 Dec 1912,7964,0315,9890
30 Sep 1912,9124,3175,3590
30 Jun 1912,6054,1305,3400
31 Mar 1912,2323,8465,3330
31 Dec 1811,9593,7415,2960
30 Sep 1811,7173,5525,3110
30 Jun 1811,4583,4125,3270
31 Mar 1811,2483,3365,3340
31 Dec 1710,9533,1045,6300
30 Sep 1710,5972,8775,7100
30 Jun 1710,4242,7445,7660
31 Mar 1710,4382,7605,7900
31 Dec 1610,1692,8745,5900
30 Sep 1610,0632,7256,0400
30 Jun 169,7762,7715,9480
31 Mar 169,2582,6015,9270
31 Dec 159,1952,6105,9730
30 Sep 159,1262,8885,2960
30 Jun 159,2062,9465,1190
31 Mar 159,3623,0995,2040
31 Dec 149,2963,2544,4770
30 Sep 149,4883,4704,3910
30 Jun 149,1093,3494,2370

Quality Earnings: P9O has a large one-off loss of PLN4.7B impacting its last 12 months of financial results to 31st March, 2025.

Growing Profit Margin: P9O's current net profit margins (34.6%) are higher than last year (25.2%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: P9O's earnings have grown significantly by 37.4% per year over the past 5 years.

Accelerating Growth: P9O's earnings growth over the past year (59.7%) exceeds its 5-year average (37.4% per year).

Earnings vs Industry: P9O earnings growth over the past year (59.7%) exceeded the Banks industry 3.4%.

Return on Equity

High ROE: P9O's Return on Equity (17.6%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/05/19 19:13
End of Day Share Price 2025/05/19 00:00
Earnings2025/03/31
Annual Earnings2024/12/31

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.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* 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

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is covered by 33 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.

AnalystInstitution
Ivan BokhmatBarclays
Andreas MarkouBerenberg
Kamil KliszczBiuro maklerskie mBanku