Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna(PSZKY)

$30.54—

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Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna(PSZKY)

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$30.54—

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PSZKY(PSZKY)

PSZKY

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7/12/26

POWSZECHNA KASA OSZCZEDNOSCI BANK POLSKI SPÓLKA AKCYJNA (PSZKY)

Sunday

3:37 AM

Thesis: Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna: the story is balanced — Polish National Bank (NBP) policy rate changes - directly impacts NIM and profitability given ~PLN 180B floating-rate…

Revenue Outlook

Metric	FY2025	FY2026E	FY2027E
Revenue	$30.5B	$31.2B	$32.7B
Rev. Growth	-21.6%	+2.4%	+4.9%
EPS	$8.19	$0.00	$0.00
EPS Growth	+10.1%	-100%	—
P/E	3.7×	—	—

★ Analysts see FY2027 revenue reaching $32.7B — +4.9% growth in a single year.

What Moves the Stock

1Polish National Bank (NBP) policy rate changes - directly impacts NIM and profitability given ~PLN 180B floating-rate loan exposure
2Zloty (PLN/USD, PLN/EUR) exchange rate movements - affects foreign currency mortgage book valuation and capital ratios
3Polish GDP growth and unemployment trends - drives loan demand, particularly in mortgage (50% of loan book) and SME lending (20% of book)
4Asset quality metrics - NPL ratio movements in Swiss franc mortgage legacy portfolio (~PLN 25B exposure) and consumer unsecured lending
5Regulatory developments - Swiss franc mortgage litigation outcomes, potential windfall taxes on banking sector profits
6Net interest income from retail mortgages, consumer loans, and corporate lending (~65% of revenue)
7Fee and commission income from payment processing, wealth management, and transaction banking (~25% of revenue)
8Trading and investment income from FX, fixed income, and equity brokerage (~10% of revenue)

FY2025 Snapshot

Revenue: $30.5B
Rev. Growth: -21.6%
Gross Margin: 68.7%
Op. Margin: 43.5%
Net Margin: 33.5%
Net Income: $10.2B
NI Growth: +9.7%
EPS: $8.19
1Y Return: +34.8%

PSZKY Chart

My Notes

value - Trades at 1.9x P/B versus 2.5-3.0x for Western European banks, 19.4% ROE supports dividend yield of 5-7%.
Highly positive sensitivity to rising Polish rates - 100bps NBP rate increase expands NIM by ~30-40bps (PLN 1.5-2B annual profit impact)…
Watch on earnings: Polish National Bank reference rate (currently ~5.75%) - primary NIM driver, PLN/USD and PLN/EUR exchange rates - impacts FX mortgage book and capital ratios, Poland unemployment rate - leading indicator for consumer credit quality.

One Sentence Summary:

Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna: the story is balanced — polish national bank (nbp) policy rate changes - directly impacts nim and profitability given ~pln 180b floating-rate loan exposure.

Auto-composed from Stock Alarm intelligence, financial statements, and analyst estimates. Not investment advice.

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Metric

FY2025

FY2026E

FY2027E

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P/E

3.7×

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What Moves the Stock

1Polish National Bank (NBP) policy rate changes - directly impacts NIM and profitability given ~PLN 180B floating-rate loan exposure

2Zloty (PLN/USD, PLN/EUR) exchange rate movements - affects foreign currency mortgage book valuation and capital ratios

3Polish GDP growth and unemployment trends - drives loan demand, particularly in mortgage (50% of loan book) and SME lending (20% of book)

4Asset quality metrics - NPL ratio movements in Swiss franc mortgage legacy portfolio (~PLN 25B exposure) and consumer unsecured lending

5Regulatory developments - Swiss franc mortgage litigation outcomes, potential windfall taxes on banking sector profits

6Net interest income from retail mortgages, consumer loans, and corporate lending (~65% of revenue)

7Fee and commission income from payment processing, wealth management, and transaction banking (~25% of revenue)

8Trading and investment income from FX, fixed income, and equity brokerage (~10% of revenue)

My Notes

value - Trades at 1.9x P/B versus 2.5-3.0x for Western European banks, 19.4% ROE supports dividend yield of 5-7%.

Highly positive sensitivity to rising Polish rates - 100bps NBP rate increase expands NIM by ~30-40bps (PLN 1.5-2B annual profit impact)…

Watch on earnings: Polish National Bank reference rate (currently ~5.75%) - primary NIM driver, PLN/USD and PLN/EUR exchange rates - impacts FX mortgage book and capital ratios, Poland unemployment rate - leading indicator for consumer credit quality.