1. Poland Stocks

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    Financial Services

  3. •

    Insurance - Property & Casualty
Powszechny Zaklad Ubezpieczen S.A.

Powszechny Zaklad Ubezpieczen S.A.

PZAKY
Powszechny Zaklad Ubezpieczen S.A.US flagOther OTC
19.00
USD
- -
- -
16.40BMarket Cap
Powszechny Zaklad Ubezpieczen S.A.
PZAKY
(Other OTC)

Recent

price

19.00

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
56,085
53,811
50,236

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. (PZU) is Poland's largest insurance company and a leading financial institution in Central and Eastern Europe, offering a comprehensive range of non-life and life insurance products including motor, property, casualty, agricultural, fire, third-party liability, health, accident, group, individual life, unit-linked, dowry, annuity, and compulsory insurance; it also provides pension fund management through Powszechne Towarzystwo Emerytalne PZU SA, investment fund management via Towarzystwo Funduszy Inwestycyjnych PZU SA, asset management, brokerage services, banking through stakes in Alior Bank (approximately 32%) and Bank Pekao (20%), finance leasing, factoring, medical services, assistance, IT solutions, and other financial services such as transfer agent, call center, business consulting, human resources, payroll, data center operations, and venture capital fund management. Founded in 1803 and headquartered in Warsaw, the company operates primarily in Poland with international presence in Lithuania (PZU Lietuva), Latvia (Balta), Ukraine (PZU Ukraine), Estonia, and Sweden through subsidiaries comprising the PZU Group of 88 entities. Recent developments include a June 2025 agreement with Bank Pekao on a potential merger plan to create a €23 billion financial firm, plans to sell its Alior Bank stake to Pekao in the first half of 2025 as part of group reorganization, enhanced focus on bancassurance collaboration with Pekao and Alior, adoption of AI technologies like Tractable for claims processing and partnerships such as with Insurtech Upptec for digital claims, and membership in the United Nations Global Compact since 2022.

Company News

APIChatGPT

  • seekingalpha.com

    Powszechny Zaklad Ubezpieczen SA (PZAKY) Q1 2026 Press Conference Call Transcript

  • seekingalpha.com

    Powszechny Zaklad Ubezpieczen SA (PZAKY) Q4 2025 Earnings Call Transcript

  • defenseworld.net

    Powszechny Zaklad Ubezpieczen (OTCMKTS:PZAKY) Shares Up 7.4% – Here’s Why

  • seekingalpha.com

    Powszechny Zaklad Ubezpieczen SA (PZAKY) Q3 2025 Earnings Call Transcript