AU · rank #3 · 2026-10-19
PKO
GPW · PLN · $37.70B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.226 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.06 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 3 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $118.39 | +0.9% |
| Momentum acceleration 3-month minus 12-month momentum. | -6.62% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +100.0% |
| 52w high | $125.58 |
| Market cap (USD) | $37.70B |
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 BP is Poland's largest retail and corporate bank, commanding 25%+ loan market share with a dominant deposit franchise and digital distribution network.
Rationale
100% analyst revision agreement, net 3 upgrades in 30 days, and a 6.2% EPS lift over 30 days confirm broad, accelerating consensus re-rating toward an 87.5% implied upside — a textbook analyst_upside setup in a large-cap, liquid name with a near-term catalyst (Q3 results November 5).
Material risks
- 1Interest rate sensitivity is the primary thesis-breaker — a 100bp rate cut reduces annual NII by PLN 739 million, and any Polish rate-cutting cycle would directly compress the earnings base underpinning the consensus upgrades.
- 2Ongoing CHF-mortgage litigation and the five non-final KNF fines (PLN 47.5 million, subject to appeal) could trigger incremental provisions that erode the record profitability driving analyst enthusiasm.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.