AU · rank #5 · 2026-07-21
PKO
GPW · PLN · $35.14B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.777 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.01 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 2 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $108.12 | +1.3% |
| Momentum acceleration 3-month minus 12-month momentum. | -2.07% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.13 |
| Gross margin TTM | +100.0% |
| 52w high | $113.02 |
| Market cap (USD) | $35.14B |
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 dominant universal bank with ~19.8% loan market share, 12.5 million customers, and record 2025 net profit of PLN 10.7 billion, now expanding internationally and optimizing capital structure.
Rationale
The analyst_upside signal is reinforced by 100% revision agreement across 10 analysts, a 12.22% Q1 2026 EPS beat, and a 90-day EPS revision trend of +$0.30 that confirms a durable earnings upgrade cycle rather than a one-off sentiment pop.
Material risks
- 1CHF mortgage legal provisions (~PLN 0.4bn in Q1 2026 alone) remain open-ended and could accelerate, directly eroding the earnings trajectory that underpins the upgrade cycle and compressing the analyst upside the strategy is betting on.
- 2Net interest margin compression from 175bp of prior rate cuts is already embedded in results, and any further Polish central bank easing would pressure NII on a PLN 7.78bn revenue base, potentially reversing the positive revision trend that drives this signal.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.