Does Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna have an economic moat?

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) has a Quality factor score of 49/100. 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna a buy, hold, or sell?

MoatMap's current signal for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) is Buy, based on a StockRank of 66/100. 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.

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PKO.WA

BUYREMOVE

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna · Financial Services · Poland · $35.5B · Avg Vol: $60M/d

StockRank

P/E (TTM)

12.3x

ROE

18.6%

D/E

—

Dividend %

5.9%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

PKO Bank Polski is a dominant regional financial institution, but it does not align with our core macro themes and carries significant exposure to Eastern European geopolitical volatility without a corresponding asymmetric upside.

COMPANY DESCRIPTION

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is the largest commercial bank in Poland, providing retail, corporate, and investment banking services. The bank enjoys an unmatched competitive moat derived from its massive retail deposit base, extensive branch network, and dominant market share in loans. It is a market-leading financial institution with a key role in financing the Polish economy.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	4.8B	6.7B	8.0B	8.6B	21.5%
EPS	0.73	1.21	2.05	2.36	47.8%
Shares	1.3B	1.3B	1.3B	1.3B	0.0%
Debt	5.9B	6.2B	8.3B	10.5B	21.0%
Equity	9.8B	12.5B	14.4B	16.1B	17.9%
Op CF	5.1B	14.1B	-1.6B	3.3B	-13.9%
Inv CF	1.4B	-13.1B	507M	-3.9B	—
Fin CF	-3.4B	9M	315M	-245M	—

PRICE (1M)+9.3%

SMA 50SMA 200

$29.09

RSI (14)

54.9

52W High

$29.80

From 52W High

1.0%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.9%*58.8

ROE

18.6%81.7

GP/Assets

5.0%57.7

Op. Margin

59.4%81.2

FCF/Assets

—N/A

Piotroski

—20.6

Int. Cover

—N/A

D/E Ratio

—N/A

Current Ratio

—N/A

Value

P/E (TTM)

12.3x53.8

EV/EBITDA

—N/A

P/FCF

—N/A

P/B

2.2x18.7

P/S

4.5x33.6

Div Yield

5.9%80.8

Momentum

52W High %

98%81.4

RS 6M

15%85.5

SMA 50/200

1.16x88.8

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

+1%21.6

Q Growth

2%33.1

FUNDAMENTALS

Market Cap

$35.5B

P/E (Forward)

12.2x

Gross Margin

0.0%

SECTOR PEERS

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

Ticker	Company	Mkt Cap	StockRank	Signal
PKO.WA	Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna(you)	$35.5B	66	BUY
EBP.WA	Erste Bank Polska S.A.	$17.3B	68	BUY
PEO.WA	Bank Polska Kasa Opieki S.A.	$17.5B	71	BUY
MBK.WA	mBank S.A.	$15.0B	62	HOLD
ING.WA	ING Bank Slaski S.A.	$15.7B	55	HOLD
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 9.3x · Gross margin 5.6%

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) — Stock Score Summary

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) has a MoatMap StockRank of 66/100 based on Quality (49/100), Value (39/100), and Momentum (66/100) factor scores. The current signal is BUY. PKO Bank Polski is a dominant regional financial institution, but it does not align with our core macro themes and carries significant exposure to Eastern European geopolitical volatility without a corresponding asymmetric upside.

Key Financial Metrics

Price	$29.09
Market Cap	$35.5B
P/E (TTM)	12.27
P/E (Forward)	12.16
Price/Book	2.20
Return on Equity	18.6%
Gross Margin	0.0%
Operating Margin	59.4%
Revenue Growth	0.1%
Dividend Yield	5.9%

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna operates in the Banks - Regional industry, part of the Financial Services sector (Poland).

Frequently Asked Questions

What is Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna’s (PKO.WA) StockRank?: MoatMap’s StockRank for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) is 66/100, with a Buy signal. It is a composite of Quality (49), Value (39), and Momentum (66) factor ranks across MoatMap’s 20,000+ stock universe.
Does Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna have an economic moat?: Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) has a Quality factor score of 49/100. 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna a buy, hold, or sell?: MoatMap’s current signal for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) is Buy, based on a StockRank of 66/100. 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 Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna in?: Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) operates in the Financial Services sector, specifically the Banks - Regional industry (Poland).