QM · rank #6 · 2026-10-22
PKO
GPW · PLN · $36.56B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +78.45% |
|---|---|
| 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). | $36.56B |
| Anchor (recent) Close on 2026-09-22 | $123.20 |
| Anchor (far) Close on 2025-09-22 | $69.04 |
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 commercial bank, serving 12.6 million customers with market-leading shares in retail deposits, cash loans, and residential mortgages.
Rationale
High price momentum (12-1 momentum of 0.7845) is supported by stellar fundamental quality, highlighted by a 20.1% TTM ROE, 37.2% profit margin, low 31.6% cost/income ratio, and record 1H 2026 net profit of PLN 5.29 billion.
Material risks
- 1Escalating CHF-mortgage litigation costs—exemplified by an estimated PLN 371 million Q3 legal-risk charge—could erode capital reserves and reduce earnings quality.
- 2State-ownership exposure, KNF regulatory intervention, and Moody's downgrade of senior unsecured debt to Baa1 could escalate funding costs and restrict capital distribution.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.