QM · rank #6 · 2026-10-20
PKO
GPW · PLN · $37.70B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +70.66% |
|---|---|
| ROE TTM Return on equity, trailing 12 months. | +20.1% |
| Profit margin Net profit margin, trailing 12 months. | +37.2% |
| Market cap (USD) Size filter: > $300M required (USD-equivalent). | $37.70B |
| Anchor (recent) Close on 2026-09-18 | $119.84 |
| Anchor (far) Close on 2025-09-19 | $70.22 |
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 bank, serving 12.6 million customers with leading domestic market shares in mortgages, cash loans, and retail deposits.
Rationale
High ROE of 20.1% TTM and a 37.2% profit margin paired with 70.7% twelve-month momentum validate the strategy, supported by record 1H 2026 net profit of PLN 5.29 billion and an efficient 31.6% cost-to-income ratio.
Material risks
- 1Unpredictable escalation of CHF-mortgage litigation parameters and settlement costs, evidenced by an additional PLN 371 million charge estimated for Q3, could erode earnings and capital reserves.
- 2Regulatory intervention, KNF fines, Moody's senior unsecured debt downgrade to Baa1, and potential interest rate cuts risk squeezing net interest margins and elevating funding costs.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.