AU · rank #3 · 2026-10-21
PKO
GPW · PLN · $36.56B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.147 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.06 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 3 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $118.39 | +4.1% |
| Momentum acceleration 3-month minus 12-month momentum. | -6.58% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | — |
| Gross margin TTM | +100.0% |
| 52w high | $125.58 |
| Market cap (USD) | $36.56B |
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 bank by assets, commanding 25%+ loan market share with a dominant retail deposit franchise and expanding digital and fee-income streams.
Rationale
Unanimous upward EPS revisions across 11 analysts (100% agreement, +6.2% 30-day revision, +49% 90-day revision) alongside a record H1 2026 profit beat (+5.49% earnings surprise) directly reinforce the analyst_upside strategy's logic that consensus estimates are being systematically revised higher.
Material risks
- 1Interest rate sensitivity is the most concrete thesis-breaker — management quantifies a 100bp rate cut reducing annual NII by PLN 739 million, and any NBP easing cycle would directly erode the earnings trajectory underpinning the upward revision trend.
- 2Ongoing CHF-mortgage litigation and the five non-final KNF fines (PLN 47.5M) represent open-ended provision risk that could force downward EPS revisions and reverse the current unanimous-upgrade consensus at the November 5 results.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.