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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna PSZKF

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29.56 USD +0.37 (+1.25%)

At closeNov 3, 2026, 4:00 PM EST

28.30 Day range 28.30
19.70 52-week range 33.85
YTD
+19.81%
1 year
+36.01%

Financial health

Altman Z-Score

0.37 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

5 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+5 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 4

Valuation

P/E 10.4×
FY 2016: 11.8×FY 2017: 9.1×FY 2018: 12.9×FY 2019: 12.4×FY 2020: -9.6×FY 2021: 10.8×FY 2022: 7.0×FY 2023: 3.8×FY 2024: 8.2×FY 2025: 10.4×
FY 2016 5y median 8.2× FY 2025
P/S 0.8×
FY 2016: 2.4×FY 2017: 1.9×FY 2018: 3.1×FY 2019: 2.9×FY 2020: 1.5×FY 2021: 3.3×FY 2022: 0.9×FY 2023: 0.6×FY 2024: 2.0×FY 2025: 0.8×
FY 2016 5y median 0.9× FY 2025
P/B 0.5×
FY 2016: 1.0×FY 2017: 0.8×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 0.6×FY 2021: 1.4×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 1.5×FY 2025: 0.5×
FY 2016 5y median 0.7× FY 2025
P/FCF 4.2×
FY 2016: 5.3×FY 2017: 1.6×FY 2018: 4.9×FY 2019: 13.1×FY 2020: 0.8×FY 2021: 1.7×FY 2022: 1.3×FY 2023: 0.4×FY 2024: -10.7×FY 2025: 4.2×
FY 2016 5y median 1.3× FY 2025
EV/EBITDA 3.3×
FY 2016: 12.0×FY 2017: 7.3×FY 2018: 9.1×FY 2019: 10.0×FY 2020: -101×FY 2021: 8.1×FY 2022: 2.2×FY 2023: 1.3×FY 2024: 5.5×FY 2025: 3.3×
FY 2016 5y median 3.3× FY 2025
EV/Sales 1.3×
FY 2016: 3.9×FY 2017: 2.5×FY 2018: 3.4×FY 2019: 4.1×FY 2020: 3.3×FY 2021: 4.0×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 2.0×FY 2025: 1.3×
FY 2016 5y median 1.3× FY 2025
FCF Yield 23.6%
FY 2016: 18.7%FY 2017: 60.9%FY 2018: 20.4%FY 2019: 7.6%FY 2020: 128.1%FY 2021: 60.5%FY 2022: 75.3%FY 2023: 237.0%FY 2024: -9.4%FY 2025: 23.6%
FY 2016 5y median 60.5% FY 2025

Profitability

Gross Margin 54.5%
FY 2016: 84.3%FY 2017: 84.5%FY 2018: 85.7%FY 2019: 86.2%FY 2020: 90.9%FY 2021: 95.7%FY 2022: 67.5%FY 2023: 65.2%FY 2024: 74.3%FY 2025: 54.5%
FY 2016 5y median 67.5% FY 2025
Operating Margin 34.5%
FY 2016: 26.8%FY 2017: 28.4%FY 2018: 32.2%FY 2019: 34.3%FY 2020: -10.6%FY 2021: 41.3%FY 2022: 18.6%FY 2023: 23.1%FY 2024: 32.8%FY 2025: 34.5%
FY 2016 5y median 32.8% FY 2025
Net Margin 26.6%
FY 2016: 20.4%FY 2017: 20.7%FY 2018: 23.7%FY 2019: 23.8%FY 2020: -15.9%FY 2021: 30.9%FY 2022: 12.9%FY 2023: 14.8%FY 2024: 23.9%FY 2025: 26.6%
FY 2016 5y median 23.9% FY 2025
ROE 18.3%
FY 2016: 8.8%FY 2017: 8.6%FY 2018: 9.6%FY 2019: 9.7%FY 2020: -6.4%FY 2021: 12.9%FY 2022: 9.3%FY 2023: 12.2%FY 2024: 17.8%FY 2025: 18.3%
FY 2016 5y median 12.9% FY 2025
ROIC 1.8%
FY 2016: 3.5%FY 2017: 3.9%FY 2018: 4.4%FY 2019: 4.4%FY 2020: -1.8%FY 2021: 5.3%FY 2022: 3.7%FY 2023: 6.0%FY 2024: 9.1%FY 2025: 1.8%
FY 2016 5y median 5.3% FY 2025
ROA 1.8%
FY 2016: 1.0%FY 2017: 1.0%FY 2018: 1.2%FY 2019: 1.2%FY 2020: -0.7%FY 2021: 1.2%FY 2022: 0.8%FY 2023: 1.1%FY 2024: 1.8%FY 2025: 1.8%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 3.2%
FY 2016: 5.4%FY 2017: 6.0%FY 2018: 5.4%FY 2019: 7.5%FY 2020: -5.4%FY 2021: -1.6%FY 2022: 62.3%FY 2023: 44.9%FY 2024: 4.7%FY 2025: 3.2%
FY 2016 FY 2025
Operating Income 8.7%
FY 2016: 18.6%FY 2017: 12.3%FY 2018: 19.5%FY 2019: 14.6%FY 2020: -129.1%FY 2021: 484.0%FY 2022: -26.8%FY 2023: 79.6%FY 2024: 48.7%FY 2025: 8.7%
FY 2016 FY 2025
EPS (diluted) 14.8%
FY 2016: 10.0%FY 2017: 7.8%FY 2018: 20.6%FY 2019: 7.7%FY 2020: -163.7%FY 2021: 290.2%FY 2022: -32.1%FY 2023: 66.0%FY 2024: 69.1%FY 2025: 14.8%
FY 2016 FY 2025
Free Cash Flow 201.9%
FY 2016: -56.5%FY 2017: 170.1%FY 2018: -42.3%FY 2019: -61.6%FY 2020: 732.8%FY 2021: 0.5%FY 2022: -44.9%FY 2023: 182.4%FY 2024: -114.5%FY 2025: 201.9%
FY 2016 FY 2025

Financial Health

Current Ratio 1.6×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.6×
FY 2016 5y median 0.1× FY 2025
Quick Ratio 1.6×
FY 2016: 0.1×FY 2017: 0.1×FY 2018: 0.1×FY 2019: 0.1×FY 2020: 0.0×FY 2021: 0.1×FY 2022: 0.1×FY 2023: 0.1×FY 2024: 0.1×FY 2025: 1.6×
FY 2016 5y median 0.1× FY 2025
Debt / Equity 0.7×
FY 2016: 1.2×FY 2017: 0.9×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 1.0×FY 2021: 0.8×FY 2022: 0.6×FY 2023: 0.5×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 1.3×
FY 2016: 4.6×FY 2017: 1.8×FY 2018: 0.9×FY 2019: 2.7×FY 2020: -54.4×FY 2021: 1.3×FY 2022: -1.7×FY 2023: -0.8×FY 2024: 0.2×FY 2025: 1.3×
FY 2016 5y median 0.2× FY 2025
Interest Coverage 1.5×
FY 2016: 1.7×FY 2017: 1.8×FY 2018: 2.3×FY 2019: 2.5×FY 2020: -1.2×FY 2021: 9.5×FY 2022: 0.6×FY 2023: 0.7×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 1.3× FY 2025

Dividends

Dividend Yield 22.2%
FY 2016: 4.0%FY 2017: 0.0%FY 2018: 1.4%FY 2019: 3.3%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 9.8%FY 2023: 0.0%FY 2024: 6.3%FY 2025: 22.2%
FY 2016 5y median 6.3% FY 2025
Payout Ratio 64.1%
FY 2016: 47.3%FY 2017: 0.0%FY 2018: 18.4%FY 2019: 41.3%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 69.1%FY 2023: 0.0%FY 2024: 52.0%FY 2025: 64.1%
FY 2016 5y median 52.0% FY 2025

Annual · latest fiscal year ends 2025-12-31