ScoreWhy is Powszechna Kasa Oszczednosci Bank Polski SA ?
1
Flat results in Mar 26
- OPERATING CASH FLOW(Y) Lowest at PLN 6,408.01 MM
- CREDIT DEPOSIT RATIO(HY) Lowest at 68.24%
- NII(Q) Lowest at PLN 5,953 MM
2
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 40.09%, its profits have risen by 15% ; the PEG ratio of the company is 0.8
3
Majority shareholders : FIIs
4
Consistent Returns over the last 3 years
- Along with generating 40.09% returns in the last 1 year, the stock has outperformed Poland WIG in each of the last 3 annual periods
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
37.08%
2.77
29.84%
Poland WIG
29.57%
1.74
17.24%
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 Trend3What is working for the Company
CASH AND EQV(HY)
Highest at PLN 38,832 MM
-9What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at PLN 6,408.01 MM
CREDIT DEPOSIT RATIO(HY)
Lowest at 68.24%
NII(Q)
Lowest at PLN 5,953 MM
NET SALES(Q)
Lowest at PLN 7,779 MM
NET PROFIT(Q)
Lowest at PLN 2,791.94 MM
Here's what is working for Powszechna Kasa Oszczednosci Bank Polski SA
Cash and Eqv
Highest at PLN 38,832 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Here's what is not working for Powszechna Kasa Oszczednosci Bank Polski SA
Operating Cash Flow
Lowest at PLN 6,408.01 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 5,953 MM
in the last five periodsMOJO Watch
The bank's income from core business is falling
NII (PLN MM)
Credit Deposit Ratio
Lowest at 68.24% and Fallen
In each half year in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately lower loans against its deposits, thereby creating fewer revenue generating assets
Credit Deposit Ratio (%)
Net Sales
Lowest at PLN 7,779 MM
in the last five periodsMOJO Watch
Near term sales trend is negative
Net Sales (PLN MM)
Net Profit
Lowest at PLN 2,791.94 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is negative
Net Profit (PLN MM)
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