ScoreWhy is BANK POLSKA KASA OPIEKI SA ?
1
Flat results in Mar 26
- OPERATING CASH FLOW(Y) Lowest at PLN 6,568 MM
- NII(Q) Lowest at PLN 3,313 MM
- NET SALES(Q) Lowest at PLN 4,471 MM
2
With ROA of 1.23%, it has a fair valuation with a 1.66 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 25.00%, its profits have risen by 10% ; the PEG ratio of the company is 0.9
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to BANK POLSKA KASA OPIEKI SA should be less than 10%
- Overall Portfolio exposure to Regional Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is BANK POLSKA KASA OPIEKI SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
BANK POLSKA KASA OPIEKI SA
23.68%
1.60
29.04%
Poland WIG
29.57%
1.74
17.24%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
26.80%
EBIT Growth (5y)
39.92%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
73.97%
Pledged Shares
0
Institutional Holding
0.22%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.66
EV to EBIT
8.41
EV to EBITDA
7.76
EV to Capital Employed
1.48
EV to Sales
3.82
PEG Ratio
0.85
Dividend Yield
8.69%
ROCE (Latest)
17.54%
ROE (Latest)
19.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
NO KEY POSITIVE TRIGGERS
-11What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN 6,568 MM
NII(Q)
Lowest at PLN 3,313 MM
NET SALES(Q)
Lowest at PLN 4,471 MM
OPERATING PROFIT(Q)
Lowest at PLN 1,879 MM
OPERATING PROFIT MARGIN(Q)
Lowest at 42.03 %
PRE-TAX PROFIT(Q)
Lowest at PLN 1,871 MM
NET PROFIT(Q)
Lowest at PLN 1,248.67 MM
EPS(Q)
Lowest at PLN 4.69
Here's what is working for BANK POLSKA KASA OPIEKI SA
Depreciation
Highest at PLN 198 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (PLN MM)
Here's what is not working for BANK POLSKA KASA OPIEKI SA
Operating Cash Flow
Lowest at PLN 6,568 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
NII
Lowest at PLN 3,313 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Net Sales
Lowest at PLN 4,471 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Operating Profit
Lowest at PLN 1,879 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is negative
Operating Profit (PLN MM)
Operating Profit Margin
Lowest at 42.03 %
in the last five periodsMOJO Watch
Company's profit margin has deteriorated
Operating Profit to Sales
Pre-Tax Profit
Lowest at PLN 1,871 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is negative
Pre-Tax Profit (PLN MM)
Net Profit
Lowest at PLN 1,248.67 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
EPS
Lowest at PLN 4.69
in the last five periodsMOJO Watch
Declining profitability; company has created lower earnings for shareholders
EPS (PLN)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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