Bank Pekao (PEO) Stock Price, Fundamentals & Analysis

What PEO does

Bank Pekao (PEO) is a commercial bank listed on the Warsaw Stock Exchange that provides banking products and services to retail and corporate clients in Poland. It operates through Retail Banking and Private Banking; Enterprise banking; and Corporate and Investment Banking segments. The company offers bank accounts, deposits and certificates of deposit, payment cards, loan products, mortgage and consumer loans, and insurance products. It is also involved in brokering activity and the sale of investment products; leasing, factoring, arranging issues of debt securities, and other specialized forms of financing; and transactional banking. In addition, the company provides investment advisory services, advisory in M&A, advanced treasury, capital market products, and custody services; investment banking; structured finance; financing of commercial real estate projects, including financing of the construction of warehouses; and other services, such as collecting information on debtors' financial situation, collection, debt collection, settlements accounting, and monitoring of payments.

Key numbers explained

• 280.3 PLN is the current price per share, representing the cost to buy one unit of ownership in the company today.
• The trailing P/E ratio of 11.4 shows how much investors pay per unit of earnings the company has already earned over the last 12 months; a lower number can suggest the stock is priced more conservatively relative to recent earnings.
• The forward P/E ratio of 12.1 uses expected future earnings, giving a sense of how the market values the company's earnings outlook.
• EPS (trailing 12 months) of 24.67 PLN is the portion of the company's profit allocated to each share over the last year.
• The dividend yield of 7.05% is the annual dividend payment expressed as a percentage of the current share price, indicating the cash return shareholders receive relative to the price they pay.
• The ex-dividend date of Jun 12, 2026 is the cutoff: buyers on or after this date do not receive the next dividend payment.
• 80% of earnings are paid out as dividends, meaning the company returns a large portion of its profit to shareholders while retaining the rest.
• Beta of 0.51 suggests the stock tends to move less than the overall market, often interpreted as lower volatility relative to the broader index.
• Market cap of 73.57 mld. PLN is the total market value of all outstanding shares.
• Revenue growth of 7.8% year over year shows the rate at which the company's top line has expanded.
• Profit margin of 39.6% and operating margin of 58.5% indicate how much of each revenue unit remains as profit after costs and operating expenses.
• Return on equity of 20.2% measures how effectively the company generates profit from shareholders' invested capital.
• Price-to-book of 2.24 compares the market price to the company's book value per share.
• 61.5% price change over the last 52 weeks shows the total return from the low of 172 PLN to the current level, with the 52-week high at 285.9 PLN.

What to watch

• Sector and peer dynamics: Bank Pekao operates in the regional banking space alongside peers such as Alior Bank (ALR), mBank (MBK), PZU SA (PZU), and PKO Bank Polski (PKO), where changes in one can influence sentiment across the group.
• Interest rate environment: shifts in benchmark rates can affect lending margins, deposit costs, and the attractiveness of bank stocks in general.
• Regulatory and macroeconomic conditions: changes in financial regulation, GDP growth, and unemployment can impact loan demand and credit quality.
• Dividend policy: the high payout ratio of 80% ties shareholder returns closely to sustained profitability and management's capital allocation decisions.
• Earnings calendar: the next earnings release is scheduled for Oct 29, 2026, which can drive short-term price movement as analysts update expectations.
• Market structure: as a component of the WIG20, Bank Pekao can be affected by index rebalancing flows and broader Polish equity market trends.