QM · rank #4 · 2026-10-27
PKO
GPW · PLN · $34.90B (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). | $34.90B |
| 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 77% trailing momentum aligns with confirmed fundamental delivery — record 1H26 net profit, ROE of 19.2% in 2Q26, 13.9% loan growth, and a 31.6% cost/income ratio validate the quality screen as earnings-driven rather than sentiment-only.
Material risks
- 1CHF-mortgage legal costs are an open-ended, recurring earnings drain — the PLN 371 million 3Q26 top-up shows model parameters keep resetting higher, creating unpredictable provisioning that can puncture quarterly ROE without warning.
- 2Polish rate-cycle inflection could compress NIM materially given the bank's asset-sensitive balance sheet, while deposit-cost competition from mBank, Millennium, and fintechs threatens the low-cost funding base underpinning the quality metrics.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.