Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna Fundamental Analysis
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (PSZKY) shows moderate financial fundamentals with a PE ratio of 10.67, profit margin of 35.07%, and ROE of 19.33%. The company generates $30.5B in annual revenue with weak year-over-year growth of 1.23%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 75.1/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze PSZKY's fundamental strength across five key dimensions:
Efficiency Score
WeakPSZKY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPSZKY trades at attractive valuation levels.
Growth Score
ModeratePSZKY shows steady but slowing expansion.
Financial Health Score
ExcellentPSZKY maintains a strong and stable balance sheet.
Profitability Score
ExcellentPSZKY achieves industry-leading margins.
Key Financial Metrics
Is PSZKY Expensive or Cheap?
P/E Ratio
PSZKY trades at 10.67 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PSZKY's PEG of 1.26 indicates fair valuation.
Price to Book
The market values Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna at 1.95 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 6.92 times EBITDA. This is generally considered low.
How Well Does PSZKY Make Money?
Net Profit Margin
For every $100 in sales, Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna keeps $35.07 as profit after all expenses.
Operating Margin
Core operations generate 45.32 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.33 in profit for every $100 of shareholder equity.
ROA
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna generates $1.83 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 generates limited operating cash flow of $1.90B, signaling weaker underlying cash strength.
Free Cash Flow
Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna generates weak or negative free cash flow of $577.64M, restricting financial flexibility.
FCF Per Share
Each share generates $0.46 in free cash annually.
FCF Yield
PSZKY converts 0.51% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
10.67
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.26
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.95
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.74
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.71
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.44
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 PSZKY Stacks Against Its Sector Peers
| Metric | PSZKY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 10.67 | 18.66 | Better (Cheaper) |
| ROE | 19.33% | 805.00% | Weak |
| Net Margin | 35.07% | -451.00% (disorted) | Strong |
| Debt/Equity | 0.71 | 1.00 | Strong (Low Leverage) |
| Current Ratio | 1.44 | 661.80 | Neutral |
| ROA | 1.83% | -24401.00% (disorted) | Weak |
PSZKY outperforms its industry in 3 out of 6 key metrics, particularly excelling in Net Margin, 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
162.98%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
130.81%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-215.04%
Industry Style: Value, Dividend, Cyclical
Declining