PKO Bank Polski S.A/zł PKO
1D1W1M3M6MYTD1Y5YMAX
Capital at risk
About PKO Bank Polski S.A
PKO Bank Polski S.A. is a prominent financial institution based in Warsaw, Poland, operating primarily in the banking and financial services industry. The company offers a range of products and services, including retail and corporate banking, investment banking, asset management, and insurance. Founded in 1919, PKO Bank Polski has a significant presence in Poland with extensive branch and ATM networks, serving millions of individual and corporate clients. The bank leverages its comprehensive digital platform to provide innovative banking solutions, reinforced by a solid technological infrastructure. Its strategic positioning is strengthened by a deep-rooted market presence and a focus on digital transformation, which enhances customer experience and operational efficiency.
- Ticker
- zł PKO
- Sector
- Finance
- Primary listing
- WSE
- Employees
- 26,015
- Headquarters
- Warsaw, Poland
- Website
- www.pkobp.pl
PKO Metrics
BasicAdvanced
zł 148B
13.61
zł 8.67
0.63
zł 6.14
5.20%
Price and volume
Market cap
zł 148B
Beta
0.63
52-week high
zł 125.58
52-week low
zł 72.88
Average daily volume
3M
Dividend rate
zł 6.14
Financial strength
Dividend payout ratio (TTM)
63.18%
Profitability
Net profit margin (TTM)
37.21%
Operating margin (TTM)
62.44%
Effective tax rate (TTM)
28.80%
Revenue per employee (TTM)
zł 1,120,000
Management effectiveness
Return on assets (TTM)
1.88%
Return on equity (TTM)
20.11%
Valuation
Price to earnings (TTM)
13.614
Price to revenue (TTM)
5.066
Price to book
2.65
Price to tangible book (TTM)
2.86
Price to free cash flow (TTM)
-3.184
Free cash flow yield (TTM)
-31.41%
Free cash flow per share (TTM)
-37.084
Dividend yield (TTM)
5.20%
Forward dividend yield
5.20%
Growth
Revenue change (TTM)
0.25%
Earnings per share change (TTM)
8.10%
3-year revenue growth (CAGR)
17.99%
3-year earnings per share growth (CAGR)
45.77%
10-year earnings per share growth (CAGR)
14.61%
3-year dividend per share growth (CAGR)
68.65%
What the Analysts think about PKO
Analyst ratings (Buy, Hold, Sell) for PKO Bank Polski S.A stock.
Analyst projections of the future price of PKO Bank Polski S.A stock.
Bulls say / Bears say
Financing grew 13.9% year on year in the first half of 2026, while fee and commission income rose 10.1%. That points to strong customer demand and a broader revenue base. (PKO Bank Polski)
PKO earned PLN 5.29 billion in first-half net profit and reported an 18.4% return on equity, despite booking CHF mortgage provisions. Its 31.6% cost-to-income ratio and 30 basis-point cost of risk show strong operating efficiency and credit quality. (PKO Bank Polski)
The bank reported a 15.55% Tier 1 capital ratio at mid-year, giving it a solid capital base to support further lending and absorb shocks. It also recommended a PLN 6.14 per-share dividend from 2025 earnings. (PKO Bank Polski, PKO Bank Polski)
The CHF mortgage legal burden remains unresolved: PKO estimated a PLN 371 million charge for the third quarter, up from PLN 297 million in the second, reflecting revised risk assumptions and higher settlement costs. Further updates could keep earnings unpredictable. (PKO Bank Polski)
Lower interest rates are squeezing interest margins: second-quarter net interest income fell 1.3% year on year, even as lending volumes grew. Continued rate pressure could make it harder to sustain recent earnings growth. (Bankier.pl, Reuters)
A higher bank tax is a separate drag on shareholder returns: PKO’s first-half tax bill was 67% higher year on year after the corporate tax rate for banks rose from 19% to 30%. That can limit profit growth even if the bank expands its business. (Rzeczpospolita)
Data summarised monthly by Lightyear AI. Last updated on 16 Oct 2026.
PKO Financial Performance
Revenues and expenses
PKO Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing PKO
Fund name | Fund size | zł PKO weighting |
|---|---|---|
SPDR MSCI Emerging Markets$EMRD | $2.3B | 0.22% |
Xtrackers MSCI Emerging Markets$XMME | $15B | 0.22% |
Xtrackers MSCI Emerging Markets£XMMS | $14B | 0.22% |
L&G Global Equity£LGGG | $2B | 0.03% |
L&G Global Equity$LGGL | $2B | 0.03% |
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.