Bank Polska Kasa Opieki S.A.

LSE:0DP0 Stock Report

Market Cap: zł37.8b

Bank Polska Kasa Opieki Valuation

Is 0DP0 undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • 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 0DP0 when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
zł339.85
Fair Value
58.6% undervalued intrinsic discount
13
Number of Analysts

Below Fair Value: 0DP0 (PLN140.85) is trading below our estimate of fair value (PLN339.85)

Significantly Below Fair Value: 0DP0 is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for 0DP0?

Key metric: As 0DP0 is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for 0DP0. This is calculated by dividing 0DP0's market cap by their current earnings.
What is 0DP0's PE Ratio?
PE Ratio6x
Earningszł6.32b
Market Capzł37.81b

Price to Earnings Ratio vs Peers

How does 0DP0's PE Ratio compare to its peers?

The above table shows the PE ratio for 0DP0 vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average4.7x
HSBK Halyk Bank of Kazakhstan
3.6xn/aUS$5.4b
BGEO Bank of Georgia Group
2.9x-4.1%UK£1.9b
TBCG TBC Bank Group
4.7x17.4%UK£1.7b
STAN Standard Chartered
7.5x5.1%UK£24.6b
0DP0 Bank Polska Kasa Opieki
6x-5.3%zł37.8b

Price-To-Earnings vs Peers: 0DP0 is expensive based on its Price-To-Earnings Ratio (6x) compared to the peer average (4.7x).

Price to Earnings Ratio vs Industry

How does 0DP0's PE Ratio compare vs other companies in the European Banks Industry?

2 CompaniesPrice / EarningsEstimated GrowthMarket Cap
0DP0 6.0xIndustry Avg. 8.0xNo. of Companies42PE0612182430+
2 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0DP0 is good value based on its Price-To-Earnings Ratio (6x) compared to the European Banks industry average (7.9x).

Price to Earnings Ratio vs Fair Ratio

What is 0DP0'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.

0DP0 PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio6x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 0DP0'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 0DP0 forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
zł181.68
0%
8.4%zł212.40zł160.00n/a13
Jan ’26n/a
zł182.21
0%
8.1%zł212.40zł160.00n/a13
Dec ’25n/a
zł190.94
0%
9.5%zł228.00zł173.00n/a13
Nov ’25n/a
zł194.09
0%
8.5%zł228.00zł173.00n/a13
Oct ’25n/a
zł194.09
0%
8.5%zł228.00zł173.00n/a13
Sep ’25n/a
zł192.40
0%
9.2%zł228.00zł161.00n/a13
Aug ’25zł161.74
zł192.50
+19.0%
9.6%zł228.00zł161.00n/a13
Jul ’25zł168.82
zł194.66
+15.3%
9.7%zł228.00zł161.00n/a14
Jun ’25n/a
zł195.31
0%
8.9%zł228.00zł173.00n/a14
May ’25zł171.45
zł192.52
+12.3%
9.3%zł228.00zł165.00n/a14
Apr ’25n/a
zł183.25
0%
12.8%zł227.50zł150.00n/a12
Mar ’25n/a
zł173.81
0%
10.6%zł202.00zł150.00n/a13
Feb ’25zł149.20
zł163.42
+9.5%
11.4%zł201.80zł131.00n/a13
Jan ’25n/a
zł159.19
0%
11.0%zł201.80zł131.00n/a13
Dec ’24zł147.30
zł151.96
+3.2%
14.8%zł201.80zł109.00n/a13
Nov ’24n/a
zł131.00
0%
11.8%zł156.00zł101.00n/a12
Oct ’24zł94.50
zł128.31
+35.8%
13.1%zł156.00zł94.00n/a13
Sep ’24zł108.85
zł128.50
+18.1%
12.7%zł156.00zł99.00n/a13
Aug ’24n/a
zł125.96
0%
13.5%zł156.00zł99.00zł161.7413
Jul ’24n/a
zł124.73
0%
11.9%zł156.00zł101.00zł168.8213
Jun ’24zł98.39
zł120.77
+22.7%
11.7%zł156.00zł101.00n/a13
May ’24n/a
zł117.69
0%
11.4%zł156.00zł101.00zł171.4513
Apr ’24n/a
zł113.00
0%
7.8%zł127.00zł101.00n/a13
Mar ’24n/a
zł108.68
0%
9.1%zł127.00zł89.90n/a13
Feb ’24n/a
zł108.61
0%
9.0%zł127.00zł89.90zł149.2013
Jan ’24n/a
zł105.53
0%
11.6%zł127.00zł83.00n/a13
Analyst Price Target
Consensus Narrative from 13 Analysts
zł177.64
Fair Value
20.7% undervalued intrinsic discount
13
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/10 15:05
End of Day Share Price 2025/01/03 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

Bank Polska Kasa Opieki S.A. is covered by 37 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
Cristina MarzeaBarclays
Andreas MarkouBerenberg
Kamil KliszczBiuro maklerskie mBanku