AU · rank #4 · 2026-10-23
PKO
GPW · PLN · $36.01B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.158 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.07 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 3 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $118.39 | +5.3% |
| Momentum acceleration 3-month minus 12-month momentum. | -5.86% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.07 |
| Gross margin TTM | +100.0% |
| 52w high | $125.58 |
| Market cap (USD) | $36.01B |
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 retail and commercial bank, commanding ~20% loan market share and ~21% deposit market share, with PLN 393.5 billion in retail deposits as of mid-2026.
Rationale
Universal EPS revision agreement (100% of 10 analysts revising upward over 30/60/90 days, with accelerating magnitude) alongside a record H1-2026 profit print and positive earnings surprise validates the analyst_upside signal as grounded in fundamental earnings momentum rather than pure sentiment rotation.
Material risks
- 1Further NBP rate cuts beyond the March 25bp reduction would compress net interest margins structurally, directly undermining the earnings trajectory that drives analyst upgrades and target price upside — the primary mechanism this strategy depends on.
- 2The potential Ukrainian bank acquisition introduces material execution, geopolitical, and capital-allocation risk that could divert capital from the dividend-and-ROE story and trigger analyst target price resets, unwinding the current revision tailwind.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.