AU · rank #5 · 2026-07-24
PKO
GPW · PLN · $35.24B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.782 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.01 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 2 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $108.32 | +1.0% |
| Momentum acceleration 3-month minus 12-month momentum. | +1.08% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.13 |
| Gross margin TTM | +100.0% |
| 52w high | $113.02 |
| Market cap (USD) | $35.24B |
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
100% analyst revision agreement, a 12.22% Q1 2026 EPS beat, 90-day EPS revisions trending sharply higher (+0.29 USD), and a 4.13/5 analyst rating collectively confirm that the analyst_upside signal is grounded in genuine fundamental momentum rather than sentiment drift.
Material risks
- 1NIM compression from 175 bp of prior rate cuts is already biting stable net interest income, and any further Polish rate reductions would structurally erode the earnings base underpinning the upside target.
- 2CHF mortgage legal provisioning (PLN 0.4B in Q1 2026 alone) remains open-ended and could absorb capital earmarked for dividends and growth, directly undermining the 50–75% payout corridor and ROE trajectory.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.