Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) stock analysis
In our weekly check, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 3, red flags: 5.
About Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is a Financial Services company (Banks), listed on WSE as PKO.WA.
What our checks show for PKO.WA
Red flags
- The gross margin fell by 19.6 points, to 76.1%: costs are rising faster than prices.
- Analysts expect revenue to shrink about 1% a year.
- The stock has fallen as much as 68% from a peak. Would you have held through that?
- Recovering from its deepest fall took about 15.1 years.
Warning signs
- The net margin fell by 1.2 points over 5 years, to 29.7%: the company keeps less of each sale as profit.
- Operating cash flow is only 0.67x net profit: part of the reported profit does not arrive as cash.
- Free cash flow covers the dividend only 0.8 times.
Strengths
- Analysts expect earnings per share to grow about 14.7% a year over the next years.
- Analysts expect the net margin to improve by 13.1 points from today's 29.7%.
- Earnings per share grew 48.5% a year over the last 3 years.
- Net profit grew 48.5% a year over the last 3 years.
- The company keeps 29.7% of its revenue as net profit.
- Free cash flow is 15.8% of revenue: cash for dividends, buybacks or growth.
Next earnings report: 2026-11-05
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Questions
What grade does Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PKO.WA) have?
In our weekly check, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 3, red flags: 5. The grade is a risk check, not a buy or sell recommendation.
What are the main risks of PKO.WA stock?
This week's biggest flags for Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna: Gross margin falling, Weak revenue forecast, Deep past fall. In total 8 of 25 checks show a warning or a red flag.
What does Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna do?
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna is a Financial Services company (Banks), listed on WSE as PKO.WA.
When does Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna report earnings next?
The next earnings report is expected on 2026-11-05. We re-run the checks every week, so the grade can change after it.
The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.
Updated 2026-10-24
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