Bank Polska Kasa Opieki SA (PEO) - Net Assets
Based on the latest financial reports, Bank Polska Kasa Opieki SA (PEO) has net assets worth zł32.89 Billion PLN (≈ $9.05 Billion USD) as of June 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł367.79 Billion ≈ $101.22 Billion USD) and total liabilities (zł334.90 Billion ≈ $92.17 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check PEO PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | zł32.89 Billion |
| % of Total Assets | 8.94% |
| Annual Growth Rate | 7.44% |
| 5-Year Change | 48.19% |
| 10-Year Change | 54.34% |
| Growth Volatility | 15.65 |
Bank Polska Kasa Opieki SA - Net Assets Trend (2005–2025)
This chart illustrates how Bank Polska Kasa Opieki SA's net assets have evolved over time, based on quarterly financial data. For live market cap and overall valuation, see Bank Polska Kasa Opieki SA (PEO) total market value.
Annual Net Assets for Bank Polska Kasa Opieki SA (2005–2025)
The table below shows the annual net assets of Bank Polska Kasa Opieki SA from 2005 to 2025. Also explore PEO net assets growth trend to track the company's year-over-year net asset growth rate.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | zł35.36 Billion ≈ $9.73 Billion |
+10.80% |
| 2024-12-31 | zł31.91 Billion ≈ $8.78 Billion |
+5.18% |
| 2023-12-31 | zł30.34 Billion ≈ $8.35 Billion |
+33.22% |
| 2022-12-31 | zł22.77 Billion ≈ $6.27 Billion |
-4.56% |
| 2021-12-31 | zł23.86 Billion ≈ $6.57 Billion |
-6.40% |
| 2020-12-31 | zł25.49 Billion ≈ $7.02 Billion |
+8.96% |
| 2019-12-31 | zł23.40 Billion ≈ $6.44 Billion |
+2.59% |
| 2018-12-31 | zł22.81 Billion ≈ $6.28 Billion |
-1.98% |
| 2017-12-31 | zł23.27 Billion ≈ $6.40 Billion |
+1.55% |
| 2016-12-31 | zł22.91 Billion ≈ $6.31 Billion |
-2.19% |
| 2015-12-31 | zł23.42 Billion ≈ $6.45 Billion |
-2.58% |
| 2014-12-31 | zł24.05 Billion ≈ $6.62 Billion |
+2.26% |
| 2013-12-31 | zł23.51 Billion ≈ $6.47 Billion |
+1.08% |
| 2012-12-31 | zł23.26 Billion ≈ $6.40 Billion |
+9.88% |
| 2011-12-31 | zł21.17 Billion ≈ $5.83 Billion |
+4.52% |
| 2010-12-31 | zł20.26 Billion ≈ $5.58 Billion |
+10.27% |
| 2009-12-31 | zł18.37 Billion ≈ $5.06 Billion |
+14.56% |
| 2008-12-31 | zł16.04 Billion ≈ $4.41 Billion |
+8.74% |
| 2007-12-31 | zł14.75 Billion ≈ $4.06 Billion |
+65.84% |
| 2006-12-31 | zł8.89 Billion ≈ $2.45 Billion |
+5.58% |
| 2005-12-31 | zł8.42 Billion ≈ $2.32 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to Bank Polska Kasa Opieki SA's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 461.1% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | zł8.54 Billion | 24.16% |
| Common Stock | zł262.00 Million | 0.74% |
| Other Comprehensive Income | zł17.41 Billion | 49.25% |
| Other Components | zł9.14 Billion | 25.85% |
| Total Equity | zł35.35 Billion | 100.00% |
Bank Polska Kasa Opieki SA Competitors by Market Cap
The table below lists competitors of Bank Polska Kasa Opieki SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Krung Thai Bank Public Company Limited
BK:KTB
|
$19.39 Billion |
|
Amcor PLC
NYSE:AMCR
|
$19.39 Billion |
|
Amcor Plc
AU:AMC
|
$19.43 Billion |
|
Expeditors International of Washington, Inc.
NASDAQ:EXPD
|
$19.44 Billion |
|
Western Midstream Partners LP
NYSE:WES
|
$19.38 Billion |
|
SNAM S.P.A. ADR 2
F:SNM0
|
$19.32 Billion |
|
MTN Group Ltd
JSE:MTN
|
$19.31 Billion |
|
Snap-On Inc
NYSE:SNA
|
$19.29 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Bank Polska Kasa Opieki SA's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 31,901,000,000 to 35,348,000,000, a change of 3,447,000,000 (10.8%).
- Net income of 7,015,000,000 contributed positively to equity growth.
- Dividend payments of 4,822,000,000 reduced retained earnings.
- Other comprehensive income increased equity by 17,410,000,000.
- Other factors decreased equity by 16,156,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | zł7.01 Billion | +19.85% |
| Dividends Paid | zł4.82 Billion | -13.64% |
| Other Comprehensive Income | zł17.41 Billion | +49.25% |
| Other Changes | zł-16.16 Billion | -45.71% |
| Total Change | zł- | 10.81% |
Book Value vs Market Value Analysis
This analysis compares Bank Polska Kasa Opieki SA's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.99x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 5.32x to 1.99x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2005-12-31 | zł50.48 | zł268.30 | x |
| 2006-12-31 | zł53.18 | zł268.30 | x |
| 2007-12-31 | zł83.41 | zł268.30 | x |
| 2008-12-31 | zł60.80 | zł268.30 | x |
| 2009-12-31 | zł69.74 | zł268.30 | x |
| 2010-12-31 | zł76.87 | zł268.30 | x |
| 2011-12-31 | zł80.35 | zł268.30 | x |
| 2012-12-31 | zł88.31 | zł268.30 | x |
| 2013-12-31 | zł89.23 | zł268.30 | x |
| 2014-12-31 | zł91.51 | zł268.30 | x |
| 2015-12-31 | zł89.18 | zł268.30 | x |
| 2016-12-31 | zł87.24 | zł268.30 | x |
| 2017-12-31 | zł88.65 | zł268.30 | x |
| 2018-12-31 | zł86.85 | zł268.30 | x |
| 2019-12-31 | zł89.10 | zł268.30 | x |
| 2020-12-31 | zł97.09 | zł268.30 | x |
| 2021-12-31 | zł90.87 | zł268.30 | x |
| 2022-12-31 | zł86.73 | zł268.30 | x |
| 2023-12-31 | zł115.55 | zł268.30 | x |
| 2024-12-31 | zł121.54 | zł268.30 | x |
| 2025-12-31 | zł134.67 | zł268.30 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Bank Polska Kasa Opieki SA utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 19.85%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 30.98%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.96x
- Recent ROE (19.85%) is above the historical average (13.48%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2005 | 18.29% | 25.09% | 0.10x | 7.37x | zł696.98 Million |
| 2006 | 20.14% | 28.70% | 0.09x | 7.63x | zł899.92 Million |
| 2007 | 14.70% | 29.12% | 0.06x | 8.46x | zł688.80 Million |
| 2008 | 22.12% | 30.65% | 0.09x | 8.27x | zł1.93 Billion |
| 2009 | 13.19% | 24.95% | 0.07x | 7.14x | zł582.93 Million |
| 2010 | 12.52% | 26.84% | 0.07x | 6.65x | zł507.82 Million |
| 2011 | 13.75% | 28.06% | 0.07x | 6.94x | zł790.71 Million |
| 2012 | 12.70% | 26.30% | 0.07x | 6.51x | zł625.66 Million |
| 2013 | 11.89% | 29.72% | 0.06x | 6.77x | zł442.79 Million |
| 2014 | 11.30% | 29.70% | 0.05x | 6.98x | zł312.95 Million |
| 2015 | 9.79% | 27.24% | 0.05x | 7.21x | zł-48.36 Million |
| 2016 | 9.95% | 26.99% | 0.05x | 7.61x | zł-10.43 Million |
| 2017 | 10.64% | 27.80% | 0.05x | 7.97x | zł148.35 Million |
| 2018 | 10.03% | 25.68% | 0.05x | 8.38x | zł7.49 Million |
| 2019 | 9.26% | 22.63% | 0.05x | 8.69x | zł-173.58 Million |
| 2020 | 4.32% | 12.83% | 0.04x | 9.15x | zł-1.45 Billion |
| 2021 | 9.12% | 24.64% | 0.04x | 10.51x | zł-210.25 Million |
| 2022 | 7.54% | 12.16% | 0.05x | 12.35x | zł-559.30 Million |
| 2023 | 21.96% | 31.00% | 0.07x | 10.08x | zł3.63 Billion |
| 2024 | 19.99% | 28.66% | 0.07x | 10.48x | zł3.19 Billion |
| 2025 | 19.85% | 30.98% | 0.06x | 9.96x | zł3.48 Billion |
Industry Comparison
This section compares Bank Polska Kasa Opieki SA's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $11,267,080,889
- Average return on equity (ROE) among peers: 12.27%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Bank Polska Kasa Opieki SA (PEO) | zł32.89 Billion | 18.29% | 10.18x | $19.38 Billion |
| Bank Handlowy w Warszawie SA (BHW) | $5.25 Billion | 11.78% | 5.26x | $4.26 Billion |
| BNP Paribas Bank Polska S.A. (BNP) | $4.16 Billion | 3.32% | 8.74x | $6.12 Billion |
| Bank Ochrony Środowiska SA (BOS) | $2.20 Billion | 3.27% | 7.40x | $260.30 Million |
| Erste Bank Polska S.A. (EBP) | $20.57 Billion | 11.31% | 5.79x | $21.09 Billion |
| Getin Holding SA (GTN) | $2.06 Billion | 29.32% | 3.75x | $14.31 Million |
| ING Bank Śląski SA (ING) | $3.84 Billion | 16.58% | 12.54x | $15.99 Billion |
| mBank SA (MBK) | $21.71 Billion | 16.32% | 11.91x | $16.82 Billion |
| Bank Millennium S.A. (MIL) | $5.36 Billion | 9.99% | 9.63x | $7.45 Billion |
| Powszechna Kasa Oszczednosci Bank Polski SA (PKO) | $36.26 Billion | 8.56% | 7.19x | $41.43 Billion |
About Bank Polska Kasa Opieki SA
Bank Polska Kasa Opieki S.A., a commercial bank, 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 … Read more