Bank Polska Kasa Opieki SA (PEO) - Net Assets

Latest as of March 2026: zł36.04 Billion PLN ≈ $9.92 Billion USD

Based on the latest financial reports, Bank Polska Kasa Opieki SA (PEO) has net assets worth zł36.04 Billion PLN (≈ $9.92 Billion USD) as of March 2026. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł356.35 Billion ≈ $98.07 Billion USD) and total liabilities (zł320.31 Billion ≈ $88.15 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 Bank Polska Kasa Opieki SA tangible book value ratio to evaluate the tangible quality of the company's equity base.

Key Net Assets Metrics

Metric	Value
Current Net Assets	zł36.04 Billion
% of Total Assets	10.11%
Annual Growth Rate	7.44%
5-Year Change	48.19%
10-Year Change	54.34%
Growth Volatility	15.66

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. See how many days can Bank Polska Kasa Opieki SA fund operations to measure how many days the company can operate on defensive assets alone.

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. For live valuation and market cap data, see PEO market cap overview.

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	zł22.78 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	+0.24%
2012-12-31	zł23.46 Billion ≈ $6.46 Billion	+9.84%
2011-12-31	zł21.36 Billion ≈ $5.88 Billion	+5.43%
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	--

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 853900000000.0% 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%
Other Components	zł26.81 Billion	75.84%
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
Samvardhana Motherson International Limited NSE:MOTHERSON	$16.81 Billion
W P Carey Inc NYSE:WPC	$16.81 Billion
Carlyle Group Inc NASDAQ:CG	$16.86 Billion
Shanghai International Port Group Co Ltd SHG:600018	$16.86 Billion
Capgemini SE PA:CAP	$16.80 Billion
Lingyi iTech Guangdong Co SHE:002600	$16.78 Billion
Wipro Limited F:WIOA	$16.77 Billion
PTT Exploration and Production Public Company Limited BK:PTTEP	$16.77 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 factors increased equity by 1,254,000,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	zł7.01 Billion	+19.85%
Dividends Paid	zł4.82 Billion	-13.64%
Other Changes	zł1.25 Billion	+3.55%
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: 1.73x
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 4.61x to 1.73x 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	zł232.70	x
2006-12-31	zł53.18	zł232.70	x
2007-12-31	zł83.41	zł232.70	x
2008-12-31	zł60.80	zł232.70	x
2009-12-31	zł69.74	zł232.70	x
2010-12-31	zł76.87	zł232.70	x
2011-12-31	zł81.05	zł232.70	x
2012-12-31	zł89.05	zł232.70	x
2013-12-31	zł89.23	zł232.70	x
2014-12-31	zł91.51	zł232.70	x
2015-12-31	zł89.18	zł232.70	x
2016-12-31	zł87.24	zł232.70	x
2017-12-31	zł88.65	zł232.70	x
2018-12-31	zł86.85	zł232.70	x
2019-12-31	zł89.10	zł232.70	x
2020-12-31	zł97.09	zł232.70	x
2021-12-31	zł90.87	zł232.70	x
2022-12-31	zł86.73	zł232.70	x
2023-12-31	zł115.55	zł232.70	x
2024-12-31	zł121.54	zł232.70	x
2025-12-31	zł134.67	zł232.70	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: 40.29%
• Asset Turnover: 0.05x
• Equity Multiplier: 9.96x
Recent ROE (19.85%) is above the historical average (13.46%), 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%	2608.07%	0.00x	7.37x	zł696.98 Million
2006	20.14%	37.22%	0.07x	7.63x	zł899.92 Million
2007	14.70%	39.99%	0.04x	8.46x	zł688.80 Million
2008	22.12%	44.04%	0.06x	8.27x	zł1.93 Billion
2009	13.19%	33.94%	0.05x	7.14x	zł582.93 Million
2010	12.52%	35.66%	0.05x	6.65x	zł507.82 Million
2011	13.63%	38.24%	0.05x	6.89x	zł772.27 Million
2012	12.65%	38.11%	0.05x	6.46x	zł619.05 Million
2013	11.89%	37.43%	0.05x	6.77x	zł442.79 Million
2014	11.30%	36.89%	0.04x	6.98x	zł312.95 Million
2015	9.79%	32.52%	0.04x	7.21x	zł-48.36 Million
2016	9.95%	30.95%	0.04x	7.61x	zł-10.43 Million
2017	10.64%	33.31%	0.04x	7.97x	zł148.35 Million
2018	10.03%	29.11%	0.04x	8.38x	zł7.49 Million
2019	9.26%	26.00%	0.04x	8.69x	zł-173.58 Million
2020	4.32%	13.89%	0.03x	9.15x	zł-1.45 Billion
2021	9.12%	25.27%	0.03x	10.51x	zł-210.25 Million
2022	7.54%	15.14%	0.04x	12.35x	zł-559.29 Million
2023	21.69%	44.43%	0.05x	10.08x	zł3.55 Billion
2024	19.99%	39.45%	0.05x	10.48x	zł3.19 Billion
2025	19.85%	40.29%	0.05x	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: $9,233,714,556
Average return on equity (ROE) among peers: 9.11%

Peer Company Comparison

Company	Net Assets	Return on Equity	Debt-to-Equity	Market Cap
Bank Polska Kasa Opieki SA (PEO)	zł36.04 Billion	18.29%	8.89x	$16.81 Billion
Bank Handlowy w Warszawie SA (BHW)	$7.07 Billion	6.79%	6.35x	$4.77 Billion
BNP Paribas Bank Polska S.A. (BNP)	$12.03 Billion	6.09%	8.94x	$6.43 Billion
Bank Ochrony Środowiska SA (BOS)	$1.47 Billion	-3.48%	13.25x	$257.24 Million
Erste Bank Polska S.A. (EBP)	$4.03 Billion	18.83%	7.19x	$18.14 Billion
Getin Holding SA (GTN)	$997.55 Million	10.16%	21.98x	$25.07 Million
ING Bank Śląski SA (ING)	$4.89 Billion	12.18%	11.25x	$16.95 Billion
mBank SA (MBK)	$17.77 Billion	12.63%	12.84x	$17.05 Billion
Bank Millennium S.A. (MIL)	$4.59 Billion	10.17%	10.08x	$6.97 Billion
Powszechna Kasa Oszczednosci Bank Polski SA (PKO)	$30.26 Billion	8.62%	7.82x	$36.42 Billion

About Bank Polska Kasa Opieki SA

WAR:PEO Poland Banks - Regional

Market Cap

$16.81 Billion

zł61.08 Billion PLN

Market Cap Rank

#1510 Global

#8 in Poland

Share Price

zł232.70

Change (1 day)

+1.75%

52-Week Range

zł170.45 - zł253.90

All Time High

zł253.90