QM · rank #13 · 2026-07-27
PKO
GPW · PLN · $35.24B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +50.70% |
|---|---|
| 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). | $35.24B |
| Anchor (recent) Close on 2026-06-26 | $103.62 |
| Anchor (far) Close on 2025-06-27 | $68.76 |
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 universal lender by assets (~PLN 594bn), combining a dominant retail deposit franchise with growing fee-based and digital businesses.
Rationale
A 50.7% trailing momentum signal is reinforced by concrete fundamental quality — 17.3% annualised ROE, 34.4% cost/income ratio, record PLN 10.7bn full-year 2025 profit, and above-consensus Q1 2026 earnings — making the quality_momentum screen credible rather than sentiment-only.
Material risks
- 1Recurring FX mortgage legal risk (PLN 388mn charge in Q1 2026 alone) represents an open-ended provisioning liability that can erode capital returns and disrupt the quality signal if charges accelerate.
- 2PKO's own research unit has cut Poland's 2026 GDP forecast to 3.5% and raised CPI to 2.8%, signalling a softer credit environment that could pressure loan growth and net interest income just as the momentum trade is being entered.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.