How does PSZK.Y's PE Ratio compare to its peers?

PSZK.Y is good value based on its Price-To-Earnings Ratio (11.4x) compared to the peer average (12.1x).

How does PSZK.Y's PE Ratio compare vs other companies in the US Banks Industry?

PSZK.Y is good value based on its Price-To-Earnings Ratio (11.4x) compared to the US Banks industry average (12.1x).

What is PSZK.Y'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.

PSZK.Y is good value based on its Price-To-Earnings Ratio (11.4x) compared to the estimated Fair Price-To-Earnings Ratio (13.1x).

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

PSZK.Y ($16.5) is trading below our estimate of [[fair value]] ($29.52)

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

Insufficient data to show price forecast.

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (OTCPK:PSZK.Y) - Stock Price, News & Analysis

PSZK.Y Stock Overview

Provides various banking products and services in Poland and internationally. More details

PSZK.Y fundamental analysis
Snowflake Score
Valuation	5/6
Future Growth	1/6
Past Performance	4/6
Financial Health	5/6
Dividends	4/6

Rewards

Trading at 44.1% below our estimate of its fair value

Earnings are forecast to grow 8.86% per year

Earnings grew by 15.3% over the past year

Trading at good value compared to peers and industry

Risk Analysis

Unstable dividend track record

Volatile share price over the past 3 months compared to the US market

My Notes

Capture your thoughts, links and company narrative

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Competitors

Credicorp

NYSE:BAP

US$15.2b

Fifth Third Bancorp

NasdaqGS:FITB

US$29.0b

First Citizens BancShares

NasdaqGS:FCNC.A

US$29.2b

Comerica

NYSE:CMA

US$8.8b

Price History & Performance

Summary of share price highs, lows and changes for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
Historical stock prices
Current Share Price	zł16.62
52 Week High	zł21.00
52 Week Low	zł12.20
Beta	0.97
1 Month Change	12.30%
3 Month Change	13.06%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	95.30%
Change since IPO	11.02%

Recent updates

Shareholder Returns

	PSZK.Y	US Banks	US Market
7D	6.4%	1.5%	0.2%
1Y	n/a	45.9%	23.1%

Return vs Industry: Insufficient data to determine how PSZK.Y performed against the US Banks industry.

Return vs Market: Insufficient data to determine how PSZK.Y performed against the US Market.

Price Volatility

Is PSZK.Y's price volatile compared to industry and market?
PSZK.Y volatility
PSZK.Y Average Weekly Movement	12.7%
Banks Industry Average Movement	3.8%
Market Average Movement	5.9%
10% most volatile stocks in US Market	18.3%
10% least volatile stocks in US Market	3.0%

Stable Share Price: PSZK.Y's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: PSZK.Y's weekly volatility (13%) has been stable over the past year, but is still higher than 75% of US stocks.

About the Company

Founded	Employees	CEO	Website
1919	25,281	Szymon Midera	www.pkobp.pl

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides various banking products and services in Poland and internationally. It operates through three segments: Retail, Corporate and Investment, and Transfer Center and Other. The company offers current accounts, savings accounts, and term deposits; investment and insurance products, investment funds, and credit and debit cards; and private banking, electronic, and mobile banking services; and consumer, mortgage, and corporate loans, as well as leases and factoring services to firms and enterprises, developers, cooperatives, and property managers.

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Fundamentals Summary

How do Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna's earnings and revenue compare to its market cap?
PSZK.Y fundamental statistics
Market cap	US$21.88b
Earnings (TTM)	US$1.88b
Revenue (TTM)	US$5.13b

11.6x

P/E Ratio

1.7x

P/B Ratio

Is PSZK.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PSZK.Y income statement (TTM)
Revenue	zł20.58b
Cost of Revenue	zł0
Gross Profit	zł20.58b
Other Expenses	zł13.05b
Earnings	zł7.54b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

Mar 13, 2025

Earnings per share (EPS)	6.03
Gross Margin	100.00%
Net Profit Margin	36.62%
Debt/Equity Ratio	70.1%

How did PSZK.Y perform over the long term?

See historical performance and comparison

Dividends

3.7%

Current Dividend Yield

43%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/12 22:39
End of Day Share Price	2025/02/12 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 38 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.

Analyst	Institution
Ivan Bokhmat	Barclays
Andreas Markou	Berenberg
Kamil Kliszcz	Biuro maklerskie mBanku