Powszechny Zaklad Ubezpieczen Spolka Akcyjna

Powszechny Zaklad Ubezpieczen Spolka Akcyjna

17.16
EUR
-0.73
(-4.08%)
4.36EPS
7.06P/E
13.16BMarket Cap
Nov 19Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
22.5
22.89
23.39
27.57
39.83
45.47
48.57
46.6
47.3
48.32
63.1
72.39
74.94
97.29
Basic EPS, GAAP
3.81
3.44
2.71
2.24
3.35
3.72
3.82
2.21
3.86
4.38
6.69
6.19
7.76
9.27
Free Cash Flow per Basic Share
- -
- -
1.1
4.1
17.19
-0.49
0.17
31.64
7.13
23.93
31.22
31.22
10.44
19.14
Dividend per Share
4.82
1.7
4.7
2.08
1.4
2.5
2.8
- -
3.5
1.94
2.4
4.34
4.47
- -
Book Value per Share
15.18
15.25
14.97
22.86
25.69
26.26
28.45
33.04
25.56
30.3
34.78
37.19
41.08
39.89
Tangible Book Value per Share
14.82
13.35
11.58
17.5
12.89
13.86
15.8
22.51
18.4
23.24
27.6
29.62
33.39
32.2
Basic Weighted Avg Shares
864
864
864
864
864
863
863
863
863
863
863
863
863
699
Sales/Revenue/Turnover
19,428
19,767
20,200
23,803
34,391
39,257
41,928
40,235
40,840
41,716
54,482
62,499
64,701
67,969
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
104
210
359
412
884
1,103
1,293
1,319
1,348
1,328
1,386
1,499
1,517
1,645
Net Income, GAAP
3,293
2,968
2,343
1,935
2,895
3,213
3,295
1,912
3,336
3,781
5,780
5,342
6,699
6,478
Effective Tax Rate (%)
20.04
19.61
20.41
20.55
23.55
24.24
26.77
37.65
27.1
30.37
22.46
22.18
21.61
25.87
Profit Margin (%)
16.95
15.01
11.6
8.13
8.42
8.18
7.86
4.75
8.17
9.06
10.61
8.55
10.35
9.53
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
227
2,626
7,487
8,898
20,356
24,114
22,577
22,163
19,684
24,059
25,508
30,469
36,939
39,210
Total Equity
13,128
13,168
15,118
17,057
37,560
37,407
39,288
43,403
44,986
48,425
60,552
65,257
72,653
69,352
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
23.58
21.18
12.69
8.44
6.36
4.45
4.76
2.98
2.29
7.61
7.49
5.37
5.09
4.58
Return on Common Equity (%)
24.13
22.59
17.96
14.93
20.99
21.77
21.19
10.94
16.33
15.68
20.57
17.19
19.82
19.51

Capital Structure

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
- -
- -
- -
LT Borrowings
35,118
34,476
37,326
LT Finance Leases
1,821
1,868
1,884
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
864
864
864
Market Capitalization
58,221
54,056
56,536

Working Capital

PLN

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
75,701
73,933
85,083
Accounts Receivable, Net
4,686
5,259
4,914
Inventories
54
50
58
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

PLN

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
20.36%
11.09%
11.33%
Free Cash Flow
1,921.43%
24.4%
-66.57%
Net Income, GAAP
16.23%
31.7%
25.4%
Sales/Revenue/Turnover
13.17%
10.49%
3.52%
Total Cash Common Dividend
- -
- -
2.96%

Quarterly Revenue

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13,291
13,148
14,093
14,596
62,499
2025
15,741
15,923
14,623
22,041
64,701
2026
15,067
16,238
- -
- -
- -

Quarterly Earnings Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.45
1.38
1.41
8.34
6.19
2025
2.04
1.7
2.31
7.21
7.76
2026
1.58
1.91
- -
- -
- -

Quarterly Dividends Per Share

PLN

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4.34
2025
- -
- -
- -
- -
4.47
2026
- -
- -
- -
- -
- -

Company Description

CEO
Bogdan Benczak
Full Time Employees
38,655
Sector
Finance
Industry
Multi-line insurance
Address
Rondo Ignacego Daszynskiego 4 Warsaw LU Poland 00-843
IPO Date
Apr 20, 2010
Website
pzu.pl
Business
Powszechny Zakład Ubezpieczeń S.A. is a prominent financial conglomerate offering a broad spectrum of insurance and financial products across Poland, the Baltic states, and Ukraine. Dating back to 1803, the company stands as Poland's largest and oldest insurer, serving a diverse clientele that includes individuals, small and medium-sized enterprises, and large corporate entities. The group’s extensive portfolio encompasses both life and non-life insurance coverage, featuring options such as motor, property, casualty, agricultural, and third-party liability policies, alongside comprehensive accident and various life insurance plans. Beyond its core insurance offerings, PZU extends its services into a robust financial ecosystem. This includes managing pension and investment funds, providing a wide array of banking services through its subsidiaries like Alior Bank and Bank Pekao, and delivering comprehensive healthcare solutions under the PZU Zdrowie brand, which offers medical consultations, hospital care, physical therapy, and other assistance and wellness programs. PZU is actively pursuing its "Future with Certainty" strategy for 2025-2027, which involves streamlining its corporate structure, enhancing its digital client platform "mojePZU" to reach 8 million users, and committing significant investments to its healthcare sector. The company is also intensifying its focus on core insurance activities, particularly in corporate property insurance, aligning with green transformation projects, and developing its role in Poland's energy transition. Headquartered in Warsaw, Poland, PZU remains a leader in Central and Eastern Europe, continuously evolving its integrated service model to deliver financial security and innovative solutions to its millions of customers.

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