QM · rank #18 · 2026-07-23

PEO

GPW · PLN · $16.34B (USD)

SignalBuy1.2strength 1.2 / 10

verdict · PROCEED

The exact numbers the algorithm saw.

Factor scores and the inputs behind this pick.
Momentum 12-1 Return from 12 months ago to 1 month ago.	+47.94%
ROE TTM Return on equity, trailing 12 months.	+18.8%
Profit margin Net profit margin, trailing 12 months.	+40.9%
Market cap (USD) Size filter: > $300M required (USD-equivalent).	$16.34B
Anchor (recent) Close on 2026-06-23	$231.00
Anchor (far) Close on 2025-06-23	$156.14

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

Bank Pekao (PEO@GPW) is Poland's second-largest universal bank, offering diversified retail and corporate lending supported by a scale-driven domestic franchise.

Rationale

The signal's strong 12-1 momentum of 47.94% and high 18.75% TTM ROE are validated by robust double-digit retail loan growth and rising fee income that drove Q1 earnings above expectations.

Material risks

1Compression of the net interest margin to 3.92% and falling year-on-year net interest income could erode the bank's core profitability and degrade its high-margin quality profile.
2S&P's recent shift of Pekao's rating outlook to negative, coupled with heightened near-term volatility from the upcoming earnings report on July 30, 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