Bank Polska Kasa Opieki S.A. Fundamental Analysis
Bank Polska Kasa Opieki S.A. (BKPKF) shows moderate financial fundamentals with a PE ratio of 2.54, profit margin of 32.32%, and ROE of 19.34%. The company generates $75.3B in annual revenue with weak year-over-year growth of 1.80%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 73.6/100 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 BKPKF's fundamental strength across five key dimensions:
Efficiency Score
WeakBKPKF struggles to generate sufficient returns from assets.
Valuation Score
ModerateBKPKF shows balanced valuation metrics.
Growth Score
ModerateBKPKF shows steady but slowing expansion.
Financial Health Score
ExcellentBKPKF maintains a strong and stable balance sheet.
Profitability Score
ExcellentBKPKF achieves industry-leading margins.
Key Financial Metrics
Is BKPKF Expensive or Cheap?
P/E Ratio
BKPKF trades at 2.54 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, BKPKF's PEG of 17.21 indicates potential overvaluation.
Price to Book
The market values Bank Polska Kasa Opieki S.A. at 0.46 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 5.34 times EBITDA. This is generally considered low.
How Well Does BKPKF Make Money?
Net Profit Margin
For every $100 in sales, Bank Polska Kasa Opieki S.A. keeps $32.32 as profit after all expenses.
Operating Margin
Core operations generate 42.30 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.34 in profit for every $100 of shareholder equity.
ROA
Bank Polska Kasa Opieki S.A. generates $1.84 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Bank Polska Kasa Opieki S.A. generates strong operating cash flow of $29.97B, reflecting robust business health.
Free Cash Flow
Bank Polska Kasa Opieki S.A. generates strong free cash flow of $27.46B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $104.61 in free cash annually.
FCF Yield
BKPKF converts 11.95% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
2.54
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
17.21
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.46
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.05
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.76
vs 25 benchmark
Current Ratio
Current assets to current liabilities
10.84
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 BKPKF Stacks Against Its Sector Peers
| Metric | BKPKF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 2.54 | 19.38 | Better (Cheaper) |
| ROE | 19.34% | 804.00% | Weak |
| Net Margin | 32.32% | -7623.00% (disorted) | Strong |
| Debt/Equity | 0.76 | 1.07 | Strong (Low Leverage) |
| Current Ratio | 10.84 | 609.22 | Strong Liquidity |
| ROA | 1.84% | -20946.00% (disorted) | Weak |
BKPKF outperforms its industry in 4 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Bank Polska Kasa Opieki S.A.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
163.74%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
536.74%
Industry Style: Value, Dividend, Cyclical
High GrowthFCF CAGR
-70.96%
Industry Style: Value, Dividend, Cyclical
Declining