PEO.WA
Company Description
Bank Polska Kasa Opieki S.A., a commercial bank, provides a range of banking products and services to retail and corporate clients in Poland and internationally. It operates through Retail Banking, Private Banking, Corporate and Investment Banking, Enterprise banking, and Assets and Liabilities Management and Other segments. The company accepts current accounts, saving accounts, and term deposits. Its loan products include mortgage, operating, investment, cash, and consumer loans; loans for corporates, and small and medium enterprises; and commercial real estate financing. The company also provides insurance, asset management, pension funds, brokerage, transactional advisory, leasing, factoring, business consulting, transferable agent, call-center, real estate development, and online banking services. As of December 31, 2021, it operates 650 outlets and 1,475 ATMs. Bank Polska Kasa Opieki S.A. was incorporated in 1929 and is headquartered in Warsaw, Poland.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 22.64B | 22.25B | 21.48B | 14.12B | 8.83B | 8.59B | 9.57B | 8.91B | 8.90B | 8.45B | 8.42B | 9.14B |
| Net Income | 7.01B | 6.38B | 6.66B | 1.72B | 2.17B | 1.10B | 2.17B | 2.29B | 2.48B | 2.28B | 2.29B | 2.71B |
| EPS | 26.73 | 24.28 | 25.06 | 6.54 | 8.29 | 4.20 | 8.25 | 8.71 | 9.43 | 8.68 | 8.73 | 10.34 |
| Free Cash Flow | 6.59B | 23.80B | 28.14B | 17.96B | 105.43M | 23.77B | (3.04B) | (6.46B) | 499.25M | 11.20B | N/A | N/A |
| FCF / Share | 25.13 | 90.70 | 107.22 | 68.44 | 0.40 | 90.55 | -11.60 | -24.61 | 1.90 | 42.66 | N/A | N/A |
| Operating CF | 7.17B | 24.66B | 29.19B | 18.48B | 850.57M | 24.69B | (2.49B) | (6.10B) | 869.89M | 11.47B | N/A | N/A |
| Total Assets | 352.23B | 334.24B | 305.72B | 281.14B | 250.57B | 233.22B | 203.32B | 191.09B | 185.47B | 174.21B | N/A | N/A |
| Total Debt | 33.53B | 25.04B | 18.58B | 18.55B | 13.05B | 15.62B | 9.07B | 7.24B | 7.03B | 4.77B | N/A | N/A |
| Cash & Equiv | 10.98B | 14.27B | 14.73B | 17.71B | 5.09B | 4.81B | 5.16B | 13.03B | 5.82B | 6.34B | N/A | N/A |
| Book Value | 35.35B | 31.90B | 30.33B | 22.76B | 23.85B | 25.48B | 23.39B | 22.80B | 23.27B | 22.90B | N/A | N/A |
| Return on Equity | 0.20 | 0.20 | 0.22 | 0.08 | 0.09 | 0.04 | 0.09 | 0.10 | 0.11 | 0.10 | N/A | N/A |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 5.57B | 5.30B | 6.05B | 5.86B | 5.75B | 5.98B | 5.64B | 5.25B | 5.37B | 5.39B | 5.45B | 5.49B |
| Net Income | 1.23B | 1.82B | 1.91B | 1.60B | 1.69B | 1.61B | 1.83B | 1.42B | 1.52B | 1.72B | 1.75B | 1.76B |
| EPS | 4.69 | 6.95 | 7.26 | 6.10 | 6.42 | 6.14 | 6.96 | 5.41 | 5.77 | 6.56 | 6.54 | 6.45 |
| Free Cash Flow | 342.00M | 2.87B | 138.00M | 4.09B | 1.61B | 10.08B | 3.58B | 3.25B | 6.90B | (3.24B) | 19.17B | (4.70B) |
| FCF / Share | 1.30 | 10.92 | 0.53 | 15.60 | 6.15 | 38.38 | 13.65 | 12.36 | 26.29 | -12.35 | 73.02 | -17.92 |
| Operating CF | 504.00M | 3.15B | 279.00M | 4.23B | 1.75B | 10.44B | 3.75B | 3.42B | 7.05B | (2.84B) | 19.35B | (4.31B) |
| Total Assets | 356.35B | 352.23B | 338.22B | 339.63B | 333.31B | 334.24B | 324.41B | 316.05B | 317.37B | 305.79B | 309.93B | 287.92B |
| Total Debt | 27.29B | 33.53B | 31.34B | 25.31B | 23.20B | 25.04B | 24.93B | 21.49B | 20.43B | 18.58B | 18.09B | 16.06B |
| Cash & Equiv | 12.68B | 10.98B | 0 | 17.93B | 17.23B | 14.27B | 20.52B | 15.52B | 16.92B | 14.73B | 11.31B | 9.91B |
| Book Value | 36.03B | 35.35B | 33.20B | 31.15B | 33.98B | 31.90B | 30.64B | 28.21B | 31.67B | 30.42B | 28.32B | 25.95B |
| Return on Equity | 0.03 | 0.05 | 0.06 | 0.05 | 0.05 | 0.05 | 0.06 | 0.05 | 0.05 | 0.06 | 0.06 | 0.07 |