QM · rank #3 · 2026-10-26
PKO
GPW · PLN · $36.01B (USD)
The exact numbers the algorithm saw.
| Momentum 12-1 Return from 12 months ago to 1 month ago. | +76.60% |
|---|---|
| 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). | $36.01B |
| Anchor (recent) Close on 2026-09-25 | $124.54 |
| Anchor (far) Close on 2025-09-26 | $70.52 |
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 BP is Poland's largest universal bank with PLN 608 billion in assets, 12.6 million customers, and dominant loan and deposit market shares serving retail, mortgage, and corporate segments.
Rationale
The 76.6% trailing momentum signal is reinforced by fundamental quality — 1H26 ROE of 18.4% rising to 19.2% in Q2, a 31.6% cost/income ratio, and 13.9% loan growth — confirming that price strength reflects genuine earnings acceleration rather than sentiment alone.
Material risks
- 1CHF-mortgage litigation is an open-ended, recurring earnings drain — the PLN 371 million 3Q26 top-up on top of PLN 0.7 billion already booked in 1H26 shows provisions are model-dependent and subject to upward revision, directly threatening the quality signal's stability.
- 2Polish rate-cycle inflection could compress net interest margins sharply given PKO BP's scale dependence on spread income, while deposit-cost competition from mBank, Millennium, and Alior limits the bank's ability to defend funding costs.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.