18889881171
Kalkine 0
countryflagUS
Kalkine Login

AAPL 218.58 -2.3543% MSFT 378.24 -3.1594% NVDA 109.935 -1.3416% GOOGL 154.82 -4.5735% GOOG 156.57 -4.577% AMZN 192.305 -4.4969% META 576.1 -4.3944% AVGO 167.395 -2.6717% LLY 819.22 -0.2982% TSLA 262.925 -3.7363% TSM 165.41 -1.6821% V 343.52 -1.8122% JPM 241.76 -2.5633% UNH 517.77 0.3975% NVO 69.44 -1.0262% WMT 84.94 -0.8058% LVMUY 126.47 -0.3546% XOM 117.52 -0.3139% LVMHF 638.0 0.157% MA 542.47 -2.7082%
AAPL 218.58 -2.3543% MSFT 378.24 -3.1594% NVDA 109.935 -1.3416% GOOGL 154.82 -4.5735% GOOG 156.57 -4.577% AMZN 192.305 -4.4969% META 576.1 -4.3944% AVGO 167.395 -2.6717% LLY 819.22 -0.2982% TSLA 262.925 -3.7363% TSM 165.41 -1.6821% V 343.52 -1.8122% JPM 241.76 -2.5633% UNH 517.77 0.3975% NVO 69.44 -1.0262% WMT 84.94 -0.8058% LVMUY 126.47 -0.3546% XOM 117.52 -0.3139% LVMHF 638.0 0.157% MA 542.47 -2.7082%

Powszechna Kasa Oszczednosci Bank Polski SA ADR

Financial Services US PSZKY

20.4USD
-(-%)

Last update at 2025-03-27T20:00:00Z

Day Range

19.6019.60
LowHigh

52 Week Range

5.2511.42
LowHigh

Fundamentals

  • Previous Close 20.40
  • Market Cap11049.62M
  • Volume100
  • P/E Ratio7.95
  • Dividend Yield7.27%
  • Revenue TTM19960.00M
  • Revenue Per Share TTM15.97
  • Gross Profit TTM 13838.00M
  • Diluted EPS TTM0.66

Analyst Recommendations

Financials

Income Statement

2018-12-312019-12-312020-12-312021-12-312022-12-31-2000M0M2000M4000M6000M8000M10000M12000M14000M16000M
Total Revenue
Net Income

Balancesheet

2018-12-312019-12-312020-12-312021-12-312022-12-310M50000M100000M150000M200000M250000M300000M350000M400000M
Total Assets
Total Liabilities

Change in Cash

2018-12-312019-12-312020-12-312021-12-312022-12-31-10000M-8000M-6000M-4000M-2000M0M2000M4000M6000M8000M10000M

Total Operating Cash

2018-12-312019-12-312020-12-312021-12-312022-12-314000M6000M8000M10000M12000M14000M16000M18000M20000M22000M24000M26000M28000M30000M32000M34000M

Dividends Paid

2018-12-312019-12-312020-12-312021-12-312022-12-310M200M400M600M800M1000M1200M1400M1600M1800M2000M2200M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax 4749.00M 6513.00M -1696.00000M 5819.00M 5078.00M
Minority interest 0.00000M 1.00M -13.00000M -9.00000M -10.00000M
Net income 3333.00M 4874.00M -2557.00000M 4031.00M 3741.00M
Selling general administrative 3270.00M 1880.00M 1157.00M 1347.00M 1933.00M
Selling and marketing expenses - - - - -
Gross profit 17306.00M 15148.00M 14586.00M 14775.00M 13526.00M
Reconciled depreciation 1278.00M 1211.00M 1172.00M 1049.00M 821.00M
Ebit 4749.00M 6514.00M -1692.00000M 5818.00M 5077.00M
Ebitda 6027.00M 7725.00M -520.00000M 6867.00M 5898.00M
Depreciation and amortization 1278.00M 1211.00M 1172.00M 1049.00M 821.00M
Non operating income net other - - - - 0.00000M
Operating income 4749.00M 6514.00M -1692.00000M 5818.00M 5077.00M
Other operating expenses 9296.00M 7402.00M 7259.00M 7437.00M 7086.00M
Interest expense 8327.00M 686.00M 1455.00M 2481.00M 2241.00M
Tax provision 1416.00M 1640.00M 865.00M 1787.00M 1336.00M
Interest income 20140.00M 10568.00M 11801.00M 12760.00M 11594.00M
Net interest income 11813.00M 9882.00M 10346.00M 10279.00M 9353.00M
Extraordinary items - - - - 0.00000M
Non recurring - - - - 0.00000M
Other items - - - - 0.00000M
Income tax expense 1416.00M 1640.00M 865.00M 1787.00M 1336.00M
Total revenue 17306.00M 15148.00M 14586.00M 14775.00M 13526.00M
Total operating expenses 9296.00M 7402.00M 7259.00M 7437.00M 7086.00M
Cost of revenue - - - - 0.00000M
Total other income expense net - -1.00000M -4.00000M 1.00M 1.00M
Discontinued operations - - - - 0.00000M
Net income from continuing ops 3333.00M 4873.00M -2561.00000M 4032.00M 3742.00M
Net income applicable to common shares 3333.00M 4874.00M -2557.00000M 4031.00M 3741.00M
Preferred stock and other adjustments - - - - 0.00000M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Total assets 430683.00M 418086.00M 376966.00M 348044.00M 324255.00M
Intangible assets 2474.00M 2410.00M 2228.00M 1978.00M 1944.00M
Earning assets - - - - -
Other current assets 966.00M 593.00M 570.00M 581.00M 491.00M
Total liab 395248.00M 380393.00M 337055.00M 306466.00M 285154.00M
Total stockholder equity 35449.00M 37707.00M 39924.00M 41587.00M 39111.00M
Deferred long term liab - - - - 0.00000M
Other current liab -520.00000M -466.00000M -163.00000M -198.00000M -199.00000M
Common stock 1250.00M 1250.00M 1250.00M 1250.00M 1250.00M
Capital stock 1250.00M 1250.00M 1250.00M 1250.00M 1250.00M
Retained earnings 11984.00M 11144.00M 3585.00M 6132.00M 3356.00M
Other liab 8485.00M 7609.00M 7470.00M 6761.00M 5705.00M
Good will 1053.00M 1053.00M 1053.00M 1200.00M 1251.00M
Other assets 238989.00M 240638.00M 227310.00M 235644.00M 217561.00M
Cash 31505.00M 20051.00M 9673.00M 18670.00M 30343.00M
Cash and equivalents - - - - -
Total current liabilities 520.00M 466.00M 163.00M 198.00M 199.00M
Current deferred revenue - - - - -
Net debt -10024.00000M 9957.00M 28498.00M 18881.00M 5358.00M
Short term debt - - - 369.00M 0.00000M
Short long term debt - - - 369.00M 2743.00M
Short long term debt total 21481.00M 30008.00M 38171.00M 37551.00M 35701.00M
Other stockholder equity 22215.00M 25313.00M 35089.00M 34205.00M 34505.00M
Property plant equipment 4681.00M 4479.00M 4329.00M 4442.00M 2931.00M
Total current assets 32719.00M 21765.00M 11273.00M 20313.00M 32357.00M
Long term investments 150767.00M 147741.00M 130766.00M 84467.00M 67105.00M
Net tangible assets 31922.00M 34244.00M 36643.00M 38409.00M 35916.00M
Short term investments - - - 1081.00M 51.00M
Net receivables 1214.00M 1714.00M 1600.00M 1643.00M 2014.00M
Long term debt - - - 32693.00M 29229.00M
Inventory 287.00M 191.00M 130.00M 141.00M 103.00M
Accounts payable 520.00M 466.00M 163.00M 198.00M 199.00M
Total permanent equity - - - - 0.00000M
Noncontrolling interest in consolidated entity - - - - 0.00000M
Temporary equity redeemable noncontrolling interests - - - - 0.00000M
Accumulated other comprehensive income - - - - 0.00000M
Additional paid in capital - - - - 0.00000M
Common stock total equity - - - - 0.00000M
Preferred stock total equity - - - - 0.00000M
Retained earnings total equity - - - - 0.00000M
Treasury stock - - - - 0.00000M
Accumulated amortization - - - - 0.00000M
Non currrent assets other -158975.00000M -155683.00000M -138383.00000M -92087.00000M -74337.00000M
Deferred long term asset charges - - - - 0.00000M
Non current assets total 158975.00M 155683.00M 138383.00M 92087.00M 74337.00M
Capital lease obligations - - - - 0.00000M
Long term debt total - - - - 0.00000M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments 5038.00M -12596.00000M -38597.00000M -12965.00000M -4905.00000M
Change to liabilities 0.00000M 0.00000M 0.00000M 0.00000M 0.00000M
Total cashflows from investing activities 5038.00M -13715.00000M -39802.00000M -14172.00000M -5492.00000M
Net borrowings -9492.00000M -8005.00000M -1572.00000M -495.00000M 3321.00M
Total cash from financing activities -12361.00000M -8422.00000M -2174.00000M -2800.00000M 2122.00M
Change to operating activities 1845.00M -5643.00000M 10179.00M -16870.00000M -13158.00000M
Net income 4749.00M 6513.00M -1696.00000M 5819.00M 5078.00M
Change in cash 11220.00M 11074.00M -8980.00000M -11845.00000M 7526.00M
Begin period cash flow 20775.00M 9701.00M 18681.00M 30526.00M 23000.00M
End period cash flow 31995.00M 20775.00M 9701.00M 18681.00M 30526.00M
Total cash from operating activities 18543.00M 33211.00M 32996.00M 5127.00M 10896.00M
Issuance of capital stock - - - - -
Depreciation 1278.00M 1211.00M 1172.00M 1049.00M 821.00M
Other cashflows from investing activities 3766.00M 150.00M 15.00M 14.00M 12.00M
Dividends paid 2288.00M 2288.00M 2288.00M 1663.00M 688.00M
Change to inventory - - - - 0.00000M
Change to account receivables - - - - 0.00000M
Sale purchase of stock - - - - 0.00000M
Other cashflows from financing activities 8205.00M 11084.00M 6003.00M 12881.00M 11058.00M
Change to netincome -5199.00000M -7172.00000M -1984.00000M -530.00000M -1060.00000M
Capital expenditures 1038.00M 1717.00M 1382.00M 1331.00M 1013.00M
Change receivables - - - - 0.00000M
Cash flows other operating - - - - 0.00000M
Exchange rate changes - - - - 0.00000M
Cash and cash equivalents changes - - - - 0.00000M
Change in working capital 18861.00M 34159.00M 35534.00M 398.00M 7308.00M
Stock based compensation - - - - -
Other non cash items -6345.00000M -8672.00000M -2014.00000M -2139.00000M -2311.00000M
Free cash flow 17505.00M 31494.00M 31614.00M 3796.00M 9883.00M

Peer Comparison

Sector: Financial Services Industry: Banks - Regional

Company Change (USD) Price (USD) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x)
PSZKY
Powszechna Kasa Oszczednosci Bank Polski SA ADR		 - -% 20.40 7.95 4.14 0.55 0.68
HDB
HDFC Bank Limited ADR		 -0.73 1.09% 66.12 20.81 20.96 0.11 4.77
CIHKY
China Merchants Bank Co Ltd		 -0.28 0.95% 29.24 6.61 5.68 0.48 0.77 3.43
CIHHF
China Merchants Bank Co Ltd Class H		 - -% 6.15 6.10 5.67 0.44 0.77 3.43
IBN
ICICI Bank Limited		 0.07 0.24% 31.39 17.79 16.95 0.07 3.08

Reports Covered

Stock Research & News

View All

Profile

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna provides various banking products and services in Poland and internationally. The company operates through three segments, Retail, Corporate and Investment, and Transfer center and other segments. It offers current and savings accounts, term deposits, private and electronic banking services, investment and insurance products, investment funds, electronic and mobile banking services, credit and debit cards, and consumer and mortgage loans, as well as corporate loans to firms and enterprises, developers, cooperatives, and property managers. The company also provides cash management and trade finance services, securities safekeeping, currency products and derivatives, corporate loans, and leasing and factoring services. Further, it is also involved in financing large investment projects; issuing non-treasury securities; and providing investing and brokerage services, interbank transactions, and derivatives and debt securities transactions, as well as engages in the real estate development and management activities. In addition, the company offers investment and pension fund management; transfer agent; life, other personal, and property insurance; financial; lending; and IT specialist outsourcing and business support services, as well as car fleet management and debt collection services. The company was founded in 1919 and is based in Warsaw, Poland.

Powszechna Kasa Oszczednosci Bank Polski SA ADR

ul. Pulawska 15, Warsaw, Poland, 02-515

Key Executives

Name Title Year Born
Mr. Piotr Mazur VP of Management Board & Chief Risk Officer 1966
Mr. Mieczyslaw Krol VP of the Management Board - Operations Area 1958
Mr. Maks Kraczkowski VP of the Management Board - Retail Market, Enterprises & International Banking Area 1979
Mr. Pawel Gruza VP of the Management Board & CEO NA
Mr. Bartosz Drabikowski VP of Management Board - Fin. & Accounting Area 1970
Mr. Marcin Eckert VP of Management Board - Corp. Banking & Investment Banking Area NA
Mr. Artur Kurcweil Deputy CEO of IT & VP of the Management Board NA
Mr. Wojciech Iwanicki VP of Management Board - Admin. Area NA
Mr. Maciej Brzozowski Deputy CEO and VP of the Mgmt Board - Analyzes, Bus. & Enterprise Banking & Affluent Client Area NA
Ms. Lidia Wilk Investor Relations Professional NA

Disclaimer - This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on ‘as is’ basis, using their API. The information and data provided on this page, as well as via the API, are not guaranteed to be real-time or accurate. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general informational purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine does not assume any responsibility for any trading losses you might incur as a result of using this information, data, or any analyst rating or recommendation provided. Kalkine will not accept any liability for any loss or damage resulting from reliance on the information, including but not limited to data, quotes, charts, analyst ratings, recommendations, and buy/sell signals sourced via the API.
Please be fully informed about the risks and costs associated with trading in the financial markets, as it is one of the riskiest forms of investment. Kalkine does not provide any warranties regarding the information on this page, including, without limitation, warranties of merchantability or fitness for a particular purpose or use.