← Analyst Upside
AU · rank #4 · 2026-10-20
PKO
GPW · PLN · $36.75B (USD)
SignalStrong Buy7.5strength 7.5 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.278 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.06 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 3 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $118.39 | +3.5% |
| Momentum acceleration 3-month minus 12-month momentum. | -7.40% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +100.0% |
| 52w high | $125.58 |
| Market cap (USD) | $36.75B |
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 largest commercial lender, delivering retail, corporate, mortgage, and digital banking services with over 25% market share in customer loans.
Rationale
The analyst upside signal is supported by 100% positive EPS revision agreement across 11 analysts and a 5.49% earnings surprise following record 1H 2026 net profit of PLN 5.29 billion.
Material risks
- 1Central bank interest rate cuts compressing net interest margins, with a 100-basis-point rate reduction estimated to lower annual net interest income by PLN 739 million.
- 2Ongoing legal provisions for legacy CHF mortgages and regulatory sanctions, including PLN 47.5 million in non-final KNF fines disclosed in October 2026.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.
OpenAI
Proceed
Claude
Caution
Gemini
Proceed