Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Fundamental Analysis
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKF) shows moderate financial fundamentals with a PE ratio of 2.93, profit margin of 27.29%, and ROE of 19.03%. The company generates $146.0B in annual revenue with weak year-over-year growth of -17.98%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 54.5/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze PSZKF's fundamental strength across five key dimensions:
Efficiency Score
WeakPSZKF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPSZKF trades at attractive valuation levels.
Growth Score
ModeratePSZKF shows steady but slowing expansion.
Financial Health Score
ExcellentPSZKF maintains a strong and stable balance sheet.
Profitability Score
ExcellentPSZKF achieves industry-leading margins.
Key Financial Metrics
Is PSZKF Expensive or Cheap?
P/E Ratio
PSZKF trades at 2.93 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PSZKF's PEG of 0.08 indicates potential undervaluation.
Price to Book
The market values Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna at 0.53 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.52 times EBITDA. This is generally considered low.
How Well Does PSZKF Make Money?
Net Profit Margin
For every $100 in sales, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna keeps $27.29 as profit after all expenses.
Operating Margin
Core operations generate 36.69 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.03 in profit for every $100 of shareholder equity.
ROA
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna generates $1.81 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna produces operating cash flow of $31.24B, showing steady but balanced cash generation.
Free Cash Flow
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna generates strong free cash flow of $26.07B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $20.85 in free cash annually.
FCF Yield
PSZKF converts 6.01% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
2.93
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.53
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.97
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.65
vs 25 benchmark
Current Ratio
Current assets to current liabilities
6.23
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.02
vs 25 benchmark
ROCE
Return on capital employed
0.02
vs 25 benchmark
How PSZKF Stacks Against Its Sector Peers
| Metric | PSZKF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 2.93 | 18.85 | Better (Cheaper) |
| ROE | 19.03% | 820.00% | Weak |
| Net Margin | 27.29% | 1999.00% | Weak |
| Debt/Equity | 0.65 | 1.01 | Strong (Low Leverage) |
| Current Ratio | 6.23 | 673.75 | Strong Liquidity |
| ROA | 1.81% | -23583.00% (disorted) | Weak |
PSZKF outperforms its industry in 3 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
98.74%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
517.76%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-73.80%
Industry Style: Value, Dividend, Cyclical
Declining