What is Bank Polska Kasa Opieki S.A.'s (PEO.WA) StockRank?

MoatMap's StockRank for Bank Polska Kasa Opieki S.A. (PEO.WA) is 71/100, with a Buy signal. This is a composite score combining Quality (47), Value (47), and Momentum (64) factor ranks across MoatMap's 20,000+ stock universe.

Does Bank Polska Kasa Opieki S.A. have an economic moat?

Bank Polska Kasa Opieki S.A. (PEO.WA) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Bank Polska Kasa Opieki S.A. a buy, hold, or sell?

MoatMap's current signal for Bank Polska Kasa Opieki S.A. (PEO.WA) is Buy, based on a StockRank of 71/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Bank Polska Kasa Opieki S.A. in?

Bank Polska Kasa Opieki S.A. (PEO.WA) operates in the Financial Services sector, specifically the Banks - Regional industry (Poland).

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PEO.WA

BUYREMOVE

Bank Polska Kasa Opieki S.A. · Financial Services · Poland · $17.5B · Avg Vol: $39M/d

StockRank

P/E (TTM)

9.3x

ROE

18.8%

D/E

—

Dividend %

8.7%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

Bank Polska Kasa Opieki (Pekao) is a leading Polish bank. While it benefits from Poland's solid economic backdrop, it is subject to domestic political interventions, regulatory risks (such as credit holidays), and lacks a global structural growth tailwind.

COMPANY DESCRIPTION

Bank Polska Kasa Opieki S.A. offers a comprehensive range of retail, corporate, and investment banking services in Poland. As the second-largest bank in the country, it maintains a highly profitable corporate banking franchise and robust capital ratios. The company is a market-leading universal bank with a strong digital platform and deep corporate relationships.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	3.1B	4.2B	4.5B	4.8B	15.7%
EPS	1.80	7.00	6.70	7.37	59.9%
Shares	262M	262M	262M	262M	0.0%
Debt	5.1B	5.1B	6.9B	8.5B	18.3%
Equity	6.3B	8.4B	8.8B	9.7B	15.8%
Op CF	5.1B	8.0B	6.8B	2.6B	-20.5%
Inv CF	-3.6B	-8.5B	-7.3B	-3.4B	—
Fin CF	1.3B	-406M	381M	270M	—

PRICE (1M)+0.3%

SMA 50SMA 200

$64.99

RSI (14)

67.1

52W High

$65.24

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.9%*58.7

ROE

18.8%82.2

GP/Assets

4.6%53.9

Op. Margin

47.7%70.1

FCF/Assets

—N/A

Piotroski

—20.6

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

9.3x73.4

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

1.7x26.8

P/S

3.8x42.8

Div Yield

8.7%91.1

Momentum

52W High %

100%95.8

RS 6M

10%80.7

SMA 50/200

1.13x85.1

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-7%17.0

Q Growth

-27%12.8

FUNDAMENTALS

Market Cap

$17.5B

P/E (Forward)

10.0x

Gross Margin

0.0%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PEO.WA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
PEO.WA	Bank Polska Kasa Opieki S.A.(you)	$17.5B	71	BUY
EBP.WA	Erste Bank Polska S.A.	$17.3B	68	BUY
MBK.WA	mBank S.A.	$15.0B	62	HOLD
ING.WA	ING Bank Slaski S.A.	$15.7B	55	HOLD
PKO.WA	Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna	$35.5B	66	BUY
BNP.WA	BNP Paribas Bank Polska S.A.	$5.9B	74	BUY
BHW.WA	Bank Handlowy w Warszawie S.A.	$4.5B	63	HOLD
MIL.WA	Bank Millennium S.A.	$6.6B	54	HOLD
PZU.WA	Powszechny Zaklad Ubezpieczen SA	$15.3B	76	BUY
BOS.WA	Bank Ochrony Srodowiska S.A.	$257M	23	SELL

Peer medians: ROE 15.8% · P/E 9.5x · Gross margin 5.6%

Bank Polska Kasa Opieki S.A. (PEO.WA) — Stock Score Summary

Bank Polska Kasa Opieki S.A. (PEO.WA) has a MoatMap StockRank of 71/100 based on Quality (47/100), Value (47/100), and Momentum (64/100) factor scores. The current signal is BUY. Bank Polska Kasa Opieki (Pekao) is a leading Polish bank. While it benefits from Poland's solid economic backdrop, it is subject to domestic political interventions, regulatory risks (such as credit holidays), and lacks a global structural growth tailwind.

Key Financial Metrics

Price	$64.99
Market Cap	$17.5B
P/E (TTM)	9.26
P/E (Forward)	9.96
Price/Book	1.69
Return on Equity	18.8%
Gross Margin	0.0%
Operating Margin	47.7%
Revenue Growth	-2.6%
Dividend Yield	8.7%

Bank Polska Kasa Opieki S.A. operates in the Banks - Regional industry, part of the Financial Services sector (Poland).

Frequently Asked Questions

What is Bank Polska Kasa Opieki S.A.’s (PEO.WA) StockRank?: MoatMap’s StockRank for Bank Polska Kasa Opieki S.A. (PEO.WA) is 71/100, with a Buy signal. It is a composite of Quality (47), Value (47), and Momentum (64) factor ranks across MoatMap’s 20,000+ stock universe.
Does Bank Polska Kasa Opieki S.A. have an economic moat?: Bank Polska Kasa Opieki S.A. (PEO.WA) has a Quality factor score of 47/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Bank Polska Kasa Opieki S.A. a buy, hold, or sell?: MoatMap’s current signal for Bank Polska Kasa Opieki S.A. (PEO.WA) is Buy, based on a StockRank of 71/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Bank Polska Kasa Opieki S.A. in?: Bank Polska Kasa Opieki S.A. (PEO.WA) operates in the Financial Services sector, specifically the Banks - Regional industry (Poland).