ScoreWhy is Powszechna Kasa Oszczednosci Bank Polski SA ?
1
Weak Long Term Fundamental Strength with a 43.90% CAGR growth in Net Profits
- 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 43.90%
3
Flat results in Jun 26
- OPERATING CASH FLOW(Y) Lowest at PLN 8,504.01 MM
4
With ROA of 1.13%, it has a fair valuation with a 2.16 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 33.16%, its profits have risen by 15% ; the PEG ratio of the company is 0.8
5
Majority shareholders : FIIs
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Powszechna Kasa Oszczednosci Bank Polski SA should be less than 10%
- Overall Portfolio exposure to Major Banks should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Powszechna Kasa Oszczednosci Bank Polski SA for you?
Medium Risk, High Return
Absolute
Risk Adjusted
Volatility
Powszechna Kasa Oszczednosci Bank Polski SA
38.65%
3.24
29.07%
Poland WIG
37.09%
2.22
16.70%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
23.00%
EBIT Growth (5y)
32.39%
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
71.85%
Pledged Shares
0
Institutional Holding
0.17%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
12
Industry P/E
Price to Book Value
2.16
EV to EBIT
8.54
EV to EBITDA
7.98
EV to Capital Employed
1.87
EV to Sales
4.48
PEG Ratio
0.82
Dividend Yield
5.30%
ROCE (Latest)
21.83%
ROE (Latest)
17.84%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bullish
Mildly Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Mildly Bearish
Dow Theory
Bullish
No Trend
OBV
Mildly Bearish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
CREDIT DEPOSIT RATIO(HY)
Highest at 70.26%
OPERATING PROFIT MARGIN(Q)
Highest at 59.62 %
-2What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN 8,504.01 MM
Here's what is working for Powszechna Kasa Oszczednosci Bank Polski SA
Operating Profit Margin
Highest at 59.62 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Credit Deposit Ratio
Highest at 70.26%
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 Powszechna Kasa Oszczednosci Bank Polski SA
Operating Cash Flow
Lowest at PLN 8,504.01 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (PLN MM)
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