AU · rank #4 · 2026-07-27
PKO
GPW · PLN · $35.22B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.882 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.01 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 2 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $108.32 | +1.6% |
| Momentum acceleration 3-month minus 12-month momentum. | +0.81% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.13 |
| Gross margin TTM | +100.0% |
| 52w high | $113.02 |
| Market cap (USD) | $35.22B |
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
Powszechna Kasa Oszczednosci Bank Polski SA operates as Poland's largest universal bank, leveraging its dominant retail, SME, and corporate networks to maintain a market-leading domestic deposit franchise [RECENT_DEVELOPMENTS, BUSINESS_STATUS].
Rationale
The quant model's positive momentum and 100% analyst revision agreement are fundamentally backed by a 12.2% Q1 earnings surprise, robust 17.3% ROE, and a historic proposed dividend of PLN 6.14 per share [RECENT_DEVELOPMENTS].
Material risks
- 1Ongoing legal uncertainty and the need for further costly provisions related to legacy Swiss franc (CHF) mortgage portfolios, which incurred PLN 388 million in legal-risk costs during Q1 2026 alone [RECENT_DEVELOPMENTS, TOP_RISKS].
- 2Macroeconomic and regulatory pressures in Poland, including sector-specific banking taxes and net interest margin compression from potential domestic interest rate cuts [TOP_RISKS].
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.