ScoreWhy is BANK POLSKA KASA OPIEKI SA ?
1
Flat results in Dec 25
- OPERATING CASH FLOW(Y) Lowest at PLN 7,171 MM
- NII(Q) Lowest at PLN 3,404 MM
- DIVIDEND PAYOUT RATIO(Y) Lowest at 0%
2
With ROA of 1.17%, it has a fair valuation with a 1.56 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 17.19%, its profits have fallen by -4%
3
Underperformed the market in the last 1 year
- The stock has generated a return of 17.19% in the last 1 year, much lower than market (Poland WIG) returns of 27.62%
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
17.19%
1.09
35.00%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
22.90%
EBIT Growth (5y)
26.37%
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
75.58%
Pledged Shares
0
Institutional Holding
0.00%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
8
Industry P/E
Price to Book Value
1.56
EV to EBIT
6.82
EV to EBITDA
6.27
EV to Capital Employed
1.47
EV to Sales
2.89
PEG Ratio
NA
Dividend Yield
13.04%
ROCE (Latest)
21.53%
ROE (Latest)
20.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend5What is working for the Company
OPERATING PROFIT MARGIN(Q)
Highest at 51.57 %
PRE-TAX PROFIT(Q)
Highest at PLN 2,513 MM
NET PROFIT(Q)
Highest at PLN 2,060.22 MM
-8What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN 7,171 MM
NII(Q)
Lowest at PLN 3,404 MM
DIVIDEND PAYOUT RATIO(Y)
Lowest at 0%
DIVIDEND PER SHARE(HY)
Lowest at PLN 0
NET SALES(Q)
Lowest at PLN 4,598 MM
Here's what is working for BANK POLSKA KASA OPIEKI SA
Operating Profit Margin
Highest at 51.57 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PLN 2,513 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
Net Profit
Highest at PLN 2,060.22 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PLN MM)
Here's what is not working for BANK POLSKA KASA OPIEKI SA
Operating Cash Flow
Lowest at PLN 7,171 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 3,404 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Net Sales
Lowest at PLN 4,598 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Dividend per share
Lowest at PLN 0
in the last five yearsMOJO Watch
Company is distributing lower dividend than previous years
DPS (PLN)
Dividend Payout Ratio
Lowest at 0%
in the last five yearsMOJO Watch
Company is distributing lower proportion of profits generated as dividend
DPR (%)
Non Operating Income
Highest at PLN 0.04 MM
in the last five periodsMOJO Watch
Increased income from non business activities may not be sustainable
Non Operating income
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