← Analyst Upside
AU · rank #4 · 2026-07-20
PKO
GPW · PLN · $35.23B (USD)
SignalHold
verdict · CAUTION
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.905 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.01 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 2 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $108.12 | +1.2% |
| Momentum acceleration 3-month minus 12-month momentum. | -3.13% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.13 |
| Gross margin TTM | +100.0% |
| 52w high | $113.02 |
| Market cap (USD) | $35.23B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
PKO Bank Polski is Poland's largest regional bank, offering retail, corporate, and public-sector banking services backed by a dominant domestic deposit base and digital platform.
Rationale
Positive 30-day EPS revision momentum and 100% analyst agreement are validated by a 12.22% earnings surprise in Q1 2026 and robust 17.3% ROE.
Material risks
- 1Further escalation of legal risk costs and provisions from legacy FX-indexed mortgage loans, which reached PLN 388 million in Q1 2026.
- 2Net interest margin compression, as net interest income is already showing slight year-on-year declines.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.
OpenAI
Caution
Claude
Caution
Gemini
Proceed