Full history for every metric is available with a Kvantra account
Key financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Total revenue | PLN bn | 40.2 | 40.8 | 41.7 | 54.5 | 55.4 | 66.7 | 66.6 | 31.4 |
| Operating profit | PLN bn | 17.8 | 17.7 | ||||||
| Net profit | PLN bn | 1.91 | 3.34 | 3.78 | 5.78 | 5.34 | 6.70 | 6.48 | 6.10 |
| EPS reported | PLN | 7.76 | 7.51 | ||||||
| Operating cashflow per share | PLN | 23.12 | 30.48 | ||||||
| Capex per share | PLN | 1.75 | 1.93 | ||||||
| FCF per share | PLN | 21.37 | 28.55 | ||||||
| Free cash flow | PLN bn | 18.4 | 24.6 | ||||||
| Net debt | PLN bn | -36.8 | 21.7 | ||||||
| Book value equity | PLN bn | 35.5 | 34.4 | ||||||
| Book value per share | PLN | 41.09 | 39.90 | ||||||
| Number of shares | m | 863.34 | 863.3 | ||||||
| DPS (TTM paid) | PLN | 4.47 | 4.80 |
Financial summary
Financials in PLN| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM | 2026E | ||
|---|---|---|---|---|---|---|---|---|---|
| Value | |||||||||
| P/E TTM | x | 8.60 | 9.56 | ||||||
| P/B LTM | x | 1.62 | 1.75 | ||||||
| P/S LTM | x | 0.86 | 0.90 | ||||||
| P/FCF LTM | x | 3.12 | 2.45 | ||||||
| EV/EBITDA LTM | x | 3.07 | 3.18 | ||||||
| EV/Sales LTM | x | 1.23 | 1.23 | ||||||
| Earnings Yield LTM | % | 11.63% | 10.46% | ||||||
| FCF Yield | % | 32.02% | 40.88% | ||||||
| Quality | |||||||||
| ROE | % | 18.89% | 18.41% | ||||||
| ROIC | % | 2.82% | 2.55% | ||||||
| Operating margin | % | 26.74% | 26.52% | ||||||
| Gross margin | % | 62.60% | 61.63% | ||||||
| FCF/Sales | % | 27.65% | 36.99% | ||||||
| Growth and momentum | |||||||||
| EPS Growth YoY | % | +25.36% | +5.77% | ||||||
| Sales Growth YoY | % | +20.51% | +17.30% | ||||||
| Net Income Growth YoY | % | +25.40% | +5.75% | ||||||
| FCF Growth | % | -39.52% | -11.95% | ||||||
| Operating Profit Growth | % | +13.61% | +4.59% | ||||||
| Dividend and capital structure | |||||||||
| Dividend Yield | % | 6.70% | 6.69% | ||||||
| Dividend Growth | % | +3.00% | +7.38% | ||||||
| Payout Ratio | % | 57.60% | 59.52% | ||||||
| FCF/Debt | x | 0.45 | 0.52 | ||||||
| Net Debt/EBITDA | x | 0.92 | 0.91 | ||||||
| EBIT/Net interest | x | 2.41 | 2.72 | ||||||
| Net debt/market cap | % | -63.80% | 36.04% | ||||||
| Net debt/Equity | x | -1.04 | 0.63 | ||||||
| Gross debt/equity | x | 1.15 | 1.38 | ||||||
ETFs that hold Powszechny Zaklad Ubezpieczen
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| Beta ETF WIG20TR | ETFBW20TR.WA | 6 | 6.98% |
Funds with Powszechny Zaklad Ubezpieczen among their ten largest holdings, largest fund first.
Ratings
Based on consensus from external analysts. Not Kvantra's opinion.
Company overview
Powszechny Zaklad Ubezpieczen S.A. (PZU), established in Warsaw, Poland, in 1803, is a prominent provider of life and non-life insurance solutions, operating across Poland, the Baltic States, and Ukraine. The company segments its diverse activities to include corporate, mass market, group, and individual insurance offerings, alongside investment management, banking, and pension services. Its comprehensive insurance portfolio encompasses motor, property, casualty, agricultural, fire, and third-party liability policies, as well as accident and life coverage. Beyond insurance, PZU delivers various services such as banking, a range of medical care (including hospital, physical therapy, and spa treatments), assistance programs, and manages both pension and mutual funds, in addition to offering financial and accounting expertise. The group's ventures also extend to real estate, covering acquisition, operation, leasing, and sales, broader investment activities, consulting, training, and other monetary intermediation services. Furthermore, PZU is involved in the manufacturing and distribution of radiators, sanitary fittings, and bathroom accessories, and provides support services integral to its primary insurance and pension fund operations.
Similar companies
For informational purposes only. Kvantra provides data and quantitative analysis, not investment advice. KvantraRank is a mechanical model output. Analyst price targets and ratings are sourced from third parties and are not Kvantra recommendations. Past performance does not guarantee future results; all investments carry risk.
Powszechny Zaklad Ubezpieczen S.A. (PZU.WA)
| Fund | Ticker | Position# | Weight |
|---|---|---|---|
| Beta ETF WIG20TR | ETFBW20TR.WA | 6 | 6.98% |
Funds with Powszechny Zaklad Ubezpieczen among their ten largest holdings, largest fund first.
Based on consensus from external analysts. Not Kvantra's opinion.
Powszechny Zaklad Ubezpieczen S.A. (PZU), established in Warsaw, Poland, in 1803, is a prominent provider of life and non-life insurance solutions, operating across Poland, the Baltic States, and Ukraine. The company segments its diverse activities to include corporate, mass market, group, and individual insurance offerings, alongside investment management, banking, and pension services. Its comprehensive insurance portfolio encompasses motor, property, casualty, agricultural, fire, and third-party liability policies, as well as accident and life coverage. Beyond insurance, PZU delivers various services such as banking, a range of medical care (including hospital, physical therapy, and spa treatments), assistance programs, and manages both pension and mutual funds, in addition to offering financial and accounting expertise. The group's ventures also extend to real estate, covering acquisition, operation, leasing, and sales, broader investment activities, consulting, training, and other monetary intermediation services. Furthermore, PZU is involved in the manufacturing and distribution of radiators, sanitary fittings, and bathroom accessories, and provides support services integral to its primary insurance and pension fund operations.
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