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Powszechny Zaklad Ubezpieczen S.A.

Powszechny Zaklad Ubezpieczen S.A.

PWZYF
Powszechny Zaklad Ubezpieczen S.A.US flagOther OTC
16.25
USD
- -
- -
14.03BMarket Cap
Powszechny Zaklad Ubezpieczen S.A.
PWZYF
(Other OTC)

Recent

price

16.25

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
20.11
19.95
23.39
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
76.36
Revenue per Share
2.82
2.72
3.77
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
7.3
Basic EPS, GAAP
0.36
1.64
-0.17
-0.26
-0.3
1.1
4.1
17.19
-0.49
0.17
31.64
7.13
23.93
31.22
31.22
10.44
6.4
Free Cash Flow per Basic Share
1.07
2.51
2.17
4.82
1.7
4.7
2.08
1.4
2.5
2.8
- -
3.5
1.94
2.4
4.34
4.47
- -
Dividend per Share
7.12
5.6
5.89
4.69
3.8
3.22
2.46
16.11
2.73
3.63
19.63
9.8
27.41
31.13
31
32.38
13.23
Book Value per Share
14.69
14.7
16.3
14.84
13.35
14.12
16.23
35.07
35.16
37.18
43.34
44.95
49.03
62.95
68.01
76.46
78.89
Tangible Book Value per Share
864
864
864
864
864
864
864
864
863
863
863
863
863
863
863
863
863
Basic Weighted Avg Shares
17,368
17,231
20,202
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
65,927
Sales/Revenue/Turnover
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Operating Margin (%)
- -
123
121
104
210
359
412
884
1,103
1,293
1,319
1,348
1,328
1,386
1,499
1,517
1,526
Depreciation Expense
2,439
2,345
3,255
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
6,301
Net Income, GAAP
19.48
19.38
19.43
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
23.15
Effective Tax Rate (%)
14.04
13.61
16.11
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
9.56
Profit Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Working Capital
- -
759
1,006
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
36,344
LT Debt
12,800
12,870
14,269
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
74,695
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
45.28
41.85
56.7
64.52
60.51
26.52
14.88
7.37
5.01
5.98
3.36
2.58
8.62
7.76
5.63
5.43
5.96
Return on Capital (%)
42
42.7
65.63
72.11
80.98
77.3
78.93
36.11
39.49
119.99
19.04
26.26
23.54
22.87
19.92
24.48
54.57
Return on Common Equity (%)

Capital Structure

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
ST Debt
- -
- -
- -
LT Borrowings
31,160
35,118
34,476
LT Finance Leases
1,637
1,821
1,868
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
864
864
864
Market Capitalization
52,786
50,428
52,095

Working Capital

FRC

•

in mil. unless spec.
Sep'25
Dec'25
Mar'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
75,900
75,701
73,933
Accounts Receivable, Net
4,399
4,686
5,259
Inventories
67
54
50
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

•

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
- -
17.59%
2.96%

Quarterly Revenue

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
13,291
13,148
14,093
14,596
62,499
2025
15,741
14,196
14,623
22,041
64,701
2026
15,067
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

•

in mil. unless spec.

Year

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

Quarterly Dividends Per Share

FRC

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
- -
- -
- -
- -
4.34
2025
- -
- -
- -
- -
4.47
2026
- -
- -
- -
- -
- -
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Business
Powszechny Zakład Ubezpieczeń S.A. Powszechny Zaklad Ubezpieczen SA (PZU S.A.) operates as Poland's largest insurance company and one of Central and Eastern Europe's leading financial institutions, providing a comprehensive range of non-life and life insurance products; property, casualty, motor, fire, agricultural, third-party liability, health, and accident insurance; group and individual life insurance, unit-linked products, and investment contracts; as well as pension fund management, open-ended and closed-ended investment funds, employee pension schemes, asset management, and banking services through stakes in Alior Bank and Bank Pekao S.A.. Headquartered in Warsaw and tracing its origins to 1803, the company conducts operations primarily in Poland, with additional presence in the Baltic states (via Lietuvos Draudimas in Lithuania and BALTA in Latvia), Ukraine, and Estonia, serving individual, corporate, and public sector clients across personal, property, and financial protection segments. In June 2025, PZU S.A. signed a memorandum of understanding with Bank Pekao S.A. to pursue a major reorganization, including a potential demerger of its operating business followed by a merger with the bank to form one of Europe's largest banking-insurance groups, aiming to unlock up to PLN 20 billion in capital surplus and enhance efficiency; this builds on earlier plans for Alior Bank stake sales or mergers and ongoing Copenhagen project collaborations as of November 2025.