OTC: PSZKF - Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

Yield per half year: +38.25%
Dividend yield: +4.38%
Sector: Financials

Reporting Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna

Capitalization

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Капитализация, млрд zł
52.51 15.37 11.18 8.39 15.65 13.32 7.69 12.8 8.14 10.99 10.59 -3.77
Выручка, млрд zł
10.76 11.9 12.68 13.53 14.78 14.59 15.15 17.31 17.4 38.88 15.85 3.32
Чистая прибыль, млрд zł
2.61 2.87 3.1 3.74 4.03 -2.56 4.87 3.31 5.5 5.5 3.03 6.42
EV, млрд zł
37.94 29.05 26.67 17.28 33.85 31.56 22.57 13.34 -10.56 15.31 18.15 -179.22
EBIT, млрд zł
3.2 3.78 4.24 5.08 5.82 -1.69 6.51 4.75 0.096 0.096 3.10 -56.00
EBITDA, млрд zł
4.02 4.58 5.09 5.9 6.87 -0.52 7.73 6.03 1.18 1.18 4.26 -29.70
Баланс стоимость, млрд zł
30.28 32.58 36.27 39.11 41.59 39.92 37.71 35.45 45.24 45.24 39.98 1.70
FCF, млрд zł
14.56 6.34 17.12 9.88 3.8 31.61 31.49 17.51 14.79 14.79 19.84 31.23
Операционный денежный поток, млрд zł
15.39 7.1 17.75 10.9 5.13 33 33.21 18.54 16.56 16.56 21.29 26.41
Операционная прибыль, млрд zł
3.2 3.78 4.24 5.08 5.82 -1.69 6.51 4.75 10.05 0.096 5.09 11.54
Операционные расходы, млрд zł
6.24 6.72 6.94 7.09 7.44 7.26 7.4 9.3 7.35 4.47 7.75 -0.24
CAPEX, млрд zł
0.8314 0.7557 0.625 1.01 1.33 1.38 1.72 1.04 1.77 1.77 1.45 5.88


Balance sheet

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 LTM 5 year average CAGR 5
Наличность, млрд zł
17.18 17.96 22.99 30.34 18.67 9.67 20.05 31.51 31.29 31.48 22.24 10.88
Short Term Investments zł
1.96 4.81 1.34 0.902 0.051 1.08 0.192 57.47 0.7130 -32.20
Long term investments zł
38.56 47.86 51.47 57.35 68.21 79.84 130.77 147.74 150.77 207.63 143.35 21.06
Total Receivables zł
0.7067 2 2.07 2.01 1.64 1.6 1.71 1.21 1.41 1.41 1.51 -2.98
Total Current Assets zł
17.89 19.96 25.06 32.36 20.31 11.27 21.77 32.72 31.29 33.82 23.47 9.03
Чистые активы, млрд zł
2.52 3.02 3.09 2.92 2.93 4.44 4.33 4.48 4.68 4.17 9.82
Активы, млрд zł
266.94 285.57 296.91 324.26 348.04 376.97 418.09 430.68 501.52 501.52 415.06 7.58
Short Term Debt zł
3.45 0.68 0.758 2.74 6.51 16.7 16.52 11.17 9.3 13.45 12.04 7.39
Long Term Debt zł
30.27 31.6 35.56 27.93 29.23 32.69 31.40 0.68
Задолженность, млрд zł
236.68 253 260.66 285.15 306.47 337.06 380.39 395.25 456.29 456.29 375.09 8.29
Чистый долг, млрд zł
15.09 21.3 9.01 5.36 18.88 28.5 9.96 -10.02 -31.48 -5.5 3.17 -210.77
Долг, млрд zł
35.05 36.24 28.69 31.97 39.2 34.4 29.46 21.48 25.99 25.99 30.11 -7.89
Interest income zł
10.92 11.59 12.76 11.8 10.57 20.14 31.22 17.30 19.60
Расходы на обслуживание долга zł
2.63 2.21 2.31 2.24 2.48 1.46 0.686 8.33 12.9 1.09 5.17 39.07
Чист. проц. доходы, млрд zł
8.61 9.35 10.28 10.35 9.88 11.81 18.32 8.15 12.13 12.25
Goodwill zł
1.19 1.2 1.25 1.26 1.25 1.2 1.05 1.05 1.05 1.05 1.08 -2.64
Амортизация, млрд zł
0.8186 0.8007 0.844 0.821 1.05 1.17 1.21 1.28 1.37 1.09 1.22 5.46
Себестоимость, млрд zł
-21.48 -21.4800 0.00
Товарно материальные запасы zł
0.4354 0.26 0.186 0.103 -22.08 -12.13 -21.2 32.68 24.58 24.58 0.3700 -202.17


Share

IFRS
Reporting Annual Quarterly
2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM 5 year average CAGR 5
EPS 2.09 2.29 2.47 3 3.15 2.72 3.23 2.65 4.4 4.4 3.23 6.91
Цена акции ао 6.46 10.35 10.5 5.29 10.41 4.25 4.25 14.78 21.18 21.18 10.97 15.26
Число акций ао, млн 1234.05 1262.44 1242.42 1428.86 1268.42 1250 1250 1250 1250 1250 1253.68 -0.29
FCF/акцию 11.8 5.02 13.78 6.92 2.99 25.29 25.2 14 11.83 11.83 15.86 31.66


Efficiency

IFRS
Reporting Annual Quarterly
2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
ROE, % 8.62 8.82 8.56 9.57 9.69 -6.4 12.93 3.52 13.64 12.16 17.45 6.68 7.08
ROA, % 0.9776 1.01 1.05 1.15 1.16 -0.6783 1.17 0.3116 1.18 1.1 4.76 0.6287 0.34
ROIC, % 6.51 5.14 5.18 5.84 6.23 7.05 -0.0835 8.03 7.36 5.41 6.58
ROS, % 24.48 27.66 27.28 -17.53 32.18 19.14 31.62 14.15 14.15 14.15 25.00 22.25 -15.15
ROCE, % 11.61 11.71 12.98 13.99 -4.24 17.28 1.1 0.0449 0.2123 0.2123 6.26 2.88 -154.94
Ebit margin, % 39.38 -11.6 43 27.44 0.5517 0.2469 0.2469 11.93 -146.30
Рентаб EBITDA, % 38.51 40.12 43.6 46.48 -3.57 51 34.83 6.8 3.04 3.04 20.23 18.42 -196.84
Чистая рентаб, % 24.26 24.15 24.48 27.66 27.28 -17.53 32.18 19.14 31.62 14.15 25.00 18.54 3.00
Operation Margin, % 33.47 37.54 39.38 -11.6 43 27.44 57.77 0.2469 0.2469 0.2469 11.42 25.74 -64.37
Доходность FCF, % -4.18 7.87 130.26 75.55 63.17 28.5 410.91 245.98 215.15 134.56 207.02 36.40


Coefficients

IFRS
Reporting Annual Quarterly
2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 LTM Industry average 5 year average CAGR 5
P/E
4.72 4.28 2.92 4.18 3.3 -3.01 2.63 7.05 3.8 3.78 48.33 2.75 2.86
P/BV
0.5564 0.3692 0.2575 0.4 0.3203 0.1927 0.3396 0.6593 0.4627 0.4601 7.81 0.3949 7.63
P/S
1.37 1.04 0.7052 1.16 0.9014 0.5275 0.8452 1.35 1.2 0.5353 16.50 0.9648 5.89
P/FCF
1.32 1.58 3.51 0.2434 0.4065 0.4648 0.7432 0 0 0 2.35 1.07 -26.69
E/P
0.3425 0.2391 0.3027 -0.3324 0.3807 0.4071 0.5005 0 0 0 87.23 0.2517 10.58
EV/EBIT
5.5 -20.7 3.53 2.81 -109.95 159.48 159.48 159.48 43.07 114.28
EV/EBITDA
7.92 7.23 5.82 2.93 4.93 -67.35 2.98 2.21 -8.92 12.94 -222.08 -13.2300 -212.59
EV/S
2.24 1.28 2.29 2.4 1.52 0.7707 -0.6066 0.3938 0.3938 0.3938 16.20 0.4943 -23.67
EV/FCF
4.21 1.75 8.92 1.11 0.73 0.762 -0.7135 1.03 1.03 1.03 21.08 0.5677 7.13
Debt/EBITDA
5.64 5.42 5.71 -73.41 3.88 3.56 21.97 21.97 21.97 21.97 -305.31 14.67 41.45
Netdebt/Ebitda
1.77 0.9084 2.75 -54.8 1.29 -1.66 -26.61 -4.65 -4.65 -4.65 -294.77 -7.2560 -229.23
Debt/Ratio
0.0966 0.0986 0.1126 0.1013 0.0718 0.0499 0.0518 0.0518 0.0518 0.0518 0.13 0.0554 -6.32
Debt/Equity
0.7911 0.8175 0.9426 0.9561 0.7958 0.606 0.5744 0 0 0 2.63 0.7750 -9.43
Debt/Net Income
9.24 8.55 9.72 -14.93 6.16 6.49 4.72 4.72 4.72 4.72 30.84 5.36 -5.19
peg
-1.08 -1.08 -1.0800 0.00
Бета
12.02 -0.3872 -6.19 -6.19 -1.29 1.81 -180.15
Индекс Альтмана
0.2309 0.504 0.3109 0.1403 0.4202 -0.1604 0.7523 0.2645 0.2645 0.2645 50.18 0.3082 -8.84


Dividends

IFRS
Reporting Annual Quarterly
2012 2013 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 LTM Industry average 5 year average CAGR 5
Див.выплата, млрд
2.25 0.9375 0.7472 0.688 0.688 0.688 1.66 2.29 2.29 2.29 1.84 27.19
Дивиденд
0.3687 0.5708 0.75 1 0.55 1.33 1.83 0.3318 0.6535 0.6535 0.9391 3.51
Див доход, ао, %
15.04 15.48 5.02 12.67 25.16 13.94 23.95 7.81 4.38 4.38 7.90 15.05 -29.51
Дивиденды / прибыль, %
28.81 28.63 23.94 22.16 18.39 41.26 -89.48 46.94 69.08 68.65 516.47 17.24 30.30


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Other

IFRS
Reporting Annual
2023 CAGR 5
Персонал, чел
24820 0.00