QM · rank #5 · 2026-10-23
PKO
GPW · PLN · $37.46B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +77.68% |
|---|---|
| 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). | $37.46B |
| Anchor (recent) Close on 2026-09-23 | $123.20 |
| Anchor (far) Close on 2025-09-23 | $69.34 |
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
Powszechna Kasa Oszczednosci Bank Polski SA is Poland's dominant universal bank, delivering retail, corporate, and digital financial services with leading national market shares in deposits and loans.
Rationale
High ROE (20.1%) and operating margins (37.2%) backed by record 1H 2026 net profit of PLN 5.29 billion and double-digit retail loan growth reinforce the quality-momentum quantitative signal.
Material risks
- 1Ongoing legal-risk provisions for CHF-denominated mortgages, including an estimated PLN 371 million charge in Q3 2026, could erode earnings momentum and capital generation.
- 2Regulatory interventions, KNF fines, and Moody's downgrade of senior unsecured debt from A3 to Baa1 could increase wholesale funding costs while potential interest rate cuts compress net interest margins.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.