Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

DB:P9O Stock Report

Market Cap: €17.6b

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 25.1%, while the Banks industry saw earnings growing at 18% annually. Revenues have been growing at an average rate of 15% per year. Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna's return on equity is 15%, and it has net margins of 36.6%.

Key information

25.1%

Earnings growth rate

25.1%

EPS growth rate

Banks Industry Growth10.6%
Revenue growth rate15.0%
Return on equity15.0%
Net Margin36.6%
Last Earnings Update30 Sep 2024

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
30 Sep 2420,5837,5387,9860
30 Jun 2419,4407,8567,7280
31 Mar 2418,7786,0927,3470
31 Dec 2317,4025,5027,3480
30 Sep 2319,9296,5407,0430
30 Jun 2315,8273,5067,1400
31 Mar 2314,9713,3405,8430
31 Dec 2213,7723,3127,6140
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
31 Mar 148,7923,2463,7780
31 Dec 138,6933,2304,1170

Quality Earnings: P9O has high quality earnings.

Growing Profit Margin: P9O's current net profit margins (36.6%) are higher than last year (32.8%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: P9O's earnings have grown significantly by 25.1% per year over the past 5 years.

Accelerating Growth: P9O's earnings growth over the past year (15.3%) is below its 5-year average (25.1% per year).

Earnings vs Industry: P9O earnings growth over the past year (15.3%) exceeded the Banks industry 12.6%.

Return on Equity

High ROE: P9O's Return on Equity (15%) 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 Analysis2024/12/24 23:51
End of Day Share Price 2024/12/23 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

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 here.

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 .

Analyst Sources

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is covered by 39 analysts. 11 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