Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna (WSE:PKO)

WSE:PKO Financials Overview

Financials in millions PLN. Fiscal year is January - December.

Revenue & Profits

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Revenue Revenue Growth	29,138	29,149	27,348	22,832	15,686	13,710
Revenue Growth	0.25%	6.59%	19.78%	45.56%	14.41%	145.22%
Net Income Net Income Growth	10,842	10,682	9,304	5,502	3,312	4,874
Earnings Per Share EPS Growth	8.67	8.55	7.44	4.40	2.65	3.90
EPS Growth	8.10%	14.86%	69.09%	66.06%	-32.05%	-

Revenue by Segment

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Retail Segment Retail Segment Growth	21,009	22,091	21,180	17,982	9,390	9,283
Corporate and Investment Segment Corporate and Investment Segment Growth	8,044	8,281	7,972	7,974	4,929	2,800
Transfer Centre and Other Transfer Centre and Other Growth	385	-923	-1,382	-3,197	-588	1,595
Total Total Growth	29,438	29,449	27,770	22,759	13,731	13,678

Cash & Debt

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash & Investments Cash & Investments Growth	20,141	28,761	30,640	35,686	45,910	32,453
Total Debt Total Debt Growth	45,406	40,946	32,853	28,990	41,937	45,830
Net Cash (Debt) Net Cash Growth	-25,265	-12,185	-2,213	6,696	3,973	-13,377
Net Cash Growth	-	-	-	68.54%	-	-
Net Cash Per Share Net Cash Per Share Growth	-20.21	-9.75	-1.77	5.36	3.18	-10.70

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Operating Cash Flow Operating Cash Flow Growth	-44,839	-29,204	-27,433	-8,344	941	-7,146
Capital Expenditures CapEx Growth	-1,516	-1,354	-1,252	-1,768	-1,038	-1,030
Free Cash Flow Free Cash Flow Growth	-46,355	-30,558	-28,685	-10,112	-97	-8,176
Free Cash Flow Growth	-	-	-	-	-	-

Margins

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Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Profit Margin	37.21%	36.65%	34.02%	24.10%	21.11%	35.55%
FCF Margin	-159.09%	-104.83%	-104.89%	-44.29%	-0.62%	-59.64%

Dividends

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Dividend Per Share Dividend Per Share Growth	6.140	6.140	5.480	2.590	1.280	1.830
Dividend Per Share Growth	12.04%	12.04%	111.58%	102.34%	-30.05%	-
Dividend Yield	4.92%	7.63%	10.40%	6.30%	5.17%	5.36%

Valuation

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Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 25, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
PE Ratio	14.35	9.97	8.03	11.43	11.43	11.52
Forward PE	12.66	10.43	6.67	7.75	6.31	10.69
PS Ratio	5.34	3.65	2.73	2.76	2.41	4.10

Data Source: S&P Global Market Intelligence Last updated: Jun 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Sep 23, 2026

Data Sources Report a data error