ScoreWhy is BANK POLSKA KASA OPIEKI SA ?
1
Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.80% signifying inadequate buffers against its risk based assets
- Weak Capital Buffers- the bank has a low Capital Adequacy Ratio of 15.80% signifying inadequate buffers against its risk based assets
- A high ratio signifies bank has weaker due diligence systems when giving out loans
2
Poor long term growth as Net profit has grown by an annual rate of 44.80%
3
Flat results in Jun 26
- OPERATING CASH FLOW(Y) Lowest at PLN 5,175 MM
- NET SALES(Q) Lowest at PLN 4,411 MM
4
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 19.89%, its profits have risen by 10% ; the PEG ratio of the company is 0.9
5
Majority shareholders : FIIs
6
Underperformed the market in the last 1 year
- The stock has generated a return of 19.89% in the last 1 year, much lower than market (Poland WIG) returns of 37.02%
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
21.84%
2.22
28.46%
Poland WIG
37.09%
2.22
16.70%
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
0.21%
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 Trend5What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 71.75%
OPERATING PROFIT(Q)
Highest at PLN 2,428 MM
OPERATING PROFIT MARGIN(Q)
Highest at 55.04 %
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN 5,175 MM
NET SALES(Q)
Lowest at PLN 4,411 MM
Here's what is working for BANK POLSKA KASA OPIEKI SA
Operating Profit
Highest at PLN 2,428 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PLN MM)
Operating Profit Margin
Highest at 55.04 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 71.75%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for BANK POLSKA KASA OPIEKI SA
Net Sales
Lowest at PLN 4,411 MM and Fallen
In each period in the last five periodsMOJO Watch
Near term sales trend is very negative
Net Sales (PLN MM)
Operating Cash Flow
Lowest at PLN 5,175 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
GET THE MARKETSMOJO APP
Company
Stocks
Portfolio
"Investment in securities markets are subject to market risk. Read all the related documents carefully before investing."
