AU · rank #2 · 2026-10-19
PEO
GPW · PLN · $18.02B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.358 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.72 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 2 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $272.58 | +2.0% |
| Momentum acceleration 3-month minus 12-month momentum. | -1.31% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 3.54 |
| Gross margin TTM | +100.0% |
| 52w high | $285.90 |
| Market cap (USD) | $18.02B |
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
Bank Pekao is Poland’s second-largest universal bank with a broad retail/corporate franchise, PLN 368bn of assets, and ongoing loan and fee growth, but earnings are pressured by lower net interest income and CHF-mortgage provisions.
Rationale
The analyst-upside signal is reinforced by broad upward estimate revisions, a 3.1% 2Q profit beat, and 100% revision agreement, suggesting the market may be underappreciating near-term earnings resilience despite the tax and litigation overhang.
Material risks
- 1CHF-mortgage litigation and further provisions could keep absorbing capital and earnings, directly undermining the upside case if legal costs re-accelerate.
- 2Higher bank taxation and a declining net interest income trend could prevent Pekao from sustaining the margin and ROE path implied by the strategy targets.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.