QM · rank #7 · 2026-10-21

PKO

GPW · PLN · $36.75B (USD)

SignalHold

verdict · CAUTION

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.	+75.31%
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).	$36.75B
Anchor (recent) Close on 2026-09-21	$123.10
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 individual deposits.

Rationale

An exceptional 20.1% ROE, 37.2% profit margin, and robust earnings momentum are validated by record 1H 2026 net profit of PLN 5.29 billion and strong deposit growth.

Material risks

1Escalating CHF-mortgage litigation costs and settlement provisions, including a PLN 371 million Q3 legal-risk charge, could depress net income and impede capital returns.
2State ownership, regulatory penalties from KNF, and Moody’s downgrade of senior unsecured debt to Baa1 could increase long-term wholesale funding costs.

AI verdict council

Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.

OpenAI

Caution

Claude

Caution

Gemini

Proceed