PKO Bank Polski S.A.(PL:PKO)
zł 116.98+0.00 (+1.11%)
PL:PKO
PKO Bank Polski S.A. financials statements
zł 116.98
At close:+0.00 (+1.11%)
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PKO Bank Polski S.A. (PKO) Ratios
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PKO Bank Polski S.A. Ratios
PL:PKO's free cash flow for Q2 2026 was zł4.92B. For the 2026 fiscal year, PL:PKO's free cash flow was decreased by zł-334.00M and operating cash flow was zł5.26B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.60 | 0.07 | 0.11 | 62.92 | 46.71 |
| Quick Ratio | 1.60 | 0.07 | 0.11 | 62.92 | 46.71 |
| Cash Ratio | 1.44 | 0.06 | 0.11 | 60.59 | 43.03 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.01 | 0.02 |
| Operating Cash Flow Ratio | 0.57 | -0.01 | 0.18 | 35.66 | 70.38 |
| Short-Term Operating Cash Flow Coverage | 0.57 | -0.50 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | zł -500.30B | zł -441.75B | zł -425.00B | zł -362.53B | zł -358.63B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.07 | 0.06 | 0.05 | 0.05 | 0.07 |
| Debt-to-Equity Ratio | 0.71 | 0.58 | 0.57 | 0.61 | 0.80 |
| Debt-to-Capital Ratio | 0.42 | 0.37 | 0.36 | 0.38 | 0.44 |
| Long-Term Debt-to-Capital Ratio | 0.30 | 0.37 | 0.00 | 0.00 | 0.00 |
| Financial Leverage Ratio | 9.96 | 10.03 | 11.09 | 12.15 | 11.09 |
| Debt Service Coverage Ratio | 0.50 | 0.50 | 0.53 | 0.55 | 8.87 |
| Interest Coverage Ratio | 1.52 | 1.27 | 0.66 | 0.57 | 9.49 |
| Debt to Market Cap | 0.38 | 0.56 | 0.00 | 0.00 | 0.00 |
| Interest Debt Per Share | 40.47 | 32.12 | 31.11 | 23.85 | 24.56 |
| Net Debt to EBITDA | 1.28 | 0.20 | -0.53 | -1.66 | 1.29 |
| Profitability Margins | |||||
| Gross Profit Margin | 68.65% | 74.30% | 65.24% | 67.48% | 95.65% |
| EBIT Margin | 43.06% | 32.76% | 23.07% | 18.61% | 41.27% |
| EBITDA Margin | 48.21% | 36.70% | 26.76% | 23.56% | 48.95% |
| Operating Profit Margin | 43.06% | 32.76% | 23.07% | 18.61% | 41.27% |
| Pretax Profit Margin | 43.06% | 32.76% | 23.07% | 18.61% | 41.27% |
| Net Profit Margin | 33.52% | 23.95% | 14.82% | 12.93% | 30.89% |
| Continuous Operations Profit Margin | 33.13% | 23.95% | 14.83% | 12.93% | 30.88% |
| Net Income Per EBT | 77.84% | 73.10% | 64.26% | 69.48% | 74.83% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.83% | 1.77% | 1.10% | 0.77% | 1.17% |
| Return on Equity (ROE) | 18.26% | 17.76% | 12.16% | 9.34% | 12.93% |
| Return on Capital Employed (ROCE) | 2.42% | 12.48% | 4.00% | 1.11% | 1.56% |
| Return on Invested Capital (ROIC) | 1.81% | 8.18% | 2.61% | 1.73% | 2.75% |
| Return on Tangible Assets | 1.85% | 1.79% | 1.11% | 0.78% | 1.18% |
| Earnings Yield | 10.03% | 12.46% | 8.75% | 8.75% | 8.68% |
| Efficiency Ratios | |||||
| Receivables Turnover | 442.61 | 16.86 | 0.00 | 0.00 | 0.00 |
| Payables Turnover | 6.58 | 9.88 | 9.41 | 12.77 | 1.47 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 4.88 | 6.51 | 6.98 | 5.47 | 3.52 |
| Asset Turnover | 0.05 | 0.07 | 0.07 | 0.06 | 0.04 |
| Working Capital Turnover Ratio | -0.17 | -0.12 | -0.33 | 0.96 | 0.97 |
| Cash Conversion Cycle | -54.64 | -15.31 | -38.79 | -28.58 | -247.94 |
| Days of Sales Outstanding | 0.82 | 21.64 | 0.00 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 55.46 | 36.95 | 38.79 | 28.58 | 247.94 |
| Operating Cycle | 0.82 | 21.64 | 0.00 | 0.00 | 0.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 6.92 | -4.72 | 40.96 | 14.83 | 26.24 |
| Free Cash Flow Per Share | 5.83 | -5.72 | 39.54 | 14.00 | 25.41 |
| Dividend Paid and CapEx Coverage Ratio | 1.05 | -0.97 | 28.96 | 5.58 | 31.84 |
| Capital Expenditure Coverage Ratio | 6.39 | -4.71 | 28.96 | 17.86 | 31.84 |
| Operating Cash Flow Coverage Ratio | 0.21 | -0.20 | 1.97 | 0.86 | 1.09 |
| Operating Cash Flow to Sales Ratio | 0.27 | -0.15 | 1.38 | 0.72 | 2.08 |
| Free Cash Flow Yield | 6.85% | -9.57% | 78.58% | 46.23% | 56.56% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 9.96 | 8.03 | 11.43 | 11.43 | 11.52 |
| Price-to-Sales (P/S) Ratio | 3.34 | 1.92 | 1.69 | 1.48 | 3.56 |
| Price-to-Book (P/B) Ratio | 1.82 | 1.43 | 1.39 | 1.07 | 1.49 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 14.60 | -10.45 | 1.27 | 2.16 | 1.77 |
| Price-to-Operating Cash Flow Ratio | 12.31 | -12.67 | 1.23 | 2.04 | 1.71 |
| Price-to-Earnings Growth (PEG) Ratio | 0.67 | 0.12 | 0.17 | -0.36 | -0.04 |
| Enterprise Value Multiple | 8.21 | 5.43 | 5.80 | 4.61 | 8.56 |
| Enterprise Value | 126.06B | 77.48B | 57.59B | 27.84B | 66.12B |
| EV to EBITDA | 8.21 | 5.43 | 5.80 | 4.61 | 8.56 |
| EV to Sales | 3.96 | 1.99 | 1.55 | 1.09 | 4.19 |
| EV to Free Cash Flow | 17.29 | -10.84 | 1.17 | 1.59 | 2.08 |
| EV to Operating Cash Flow | 14.58 | -13.14 | 1.12 | 1.50 | 2.02 |
| Tangible Book Value Per Share | 43.46 | 38.57 | 33.05 | 25.53 | 27.38 |
| Shareholders’ Equity Per Share | 46.81 | 41.90 | 36.19 | 28.36 | 30.17 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.23 | 0.27 | 0.36 | 0.31 | 0.25 |
| Revenue Per Share | 25.49 | 31.08 | 29.69 | 20.49 | 12.62 |
| Net Income Per Share | 8.55 | 7.44 | 4.40 | 2.65 | 3.90 |
| Tax Burden | 0.78 | 0.73 | 0.64 | 0.69 | 0.75 |
| Interest Burden | 1.00 | 1.00 | 1.00 | 1.00 | 1.00 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.17 | 0.05 | 0.05 | 0.13 | 0.12 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 0.81 | -0.46 | 5.98 | 3.89 | 5.04 |
Currency in PLN
