QM · rank #12 · 2026-07-21
PKO
GPW · PLN · $35.23B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +60.10% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +18.6% |
| Profit margin Net profit margin, trailing 12 months. | +36.8% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $35.23B |
| Anchor (recent) Close on 2026-06-19 | $105.28 |
| Anchor (far) Close on 2025-06-20 | $65.76 |
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 by assets, commanding ~20% loan market share and serving over 12.5 million customers via a leading digital platform.
Rationale
The 60% 12-1 momentum signal is reinforced by fundamental quality — Q1 2026 ROE of ~17.3% well above the model's 18.6% TTM read, a 34-35% cost-to-income ratio, and 12.7% YoY loan growth confirm the earnings engine driving price appreciation is real and current.
Material risks
- 1Recurring CHF mortgage legal-risk charges (PLN 388M in Q1 2026 alone) represent an open-ended liability that can spike unpredictably with court verdicts, directly compressing reported earnings and disrupting the quality signal.
- 2Polish monetary policy easing or a windfall-tax revision could compress net interest margins materially, eroding the ROE and profit-margin metrics that anchor the quality leg of this strategy.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.