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    Finance

  3. •

    Multi-line insurance
Powszechny Zaklad Ubezpieczen Spolka Akcyjna

Powszechny Zaklad Ubezpieczen Spolka Akcyjna

17.00
EUR
-0.39
(-2.24%)
4.36EPS
7.07P/E
13.17BMarket 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
53,776
54,482
56,573

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

Company Profile APIChatGPT
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
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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.

Company News

Company News APIChatGPT

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    Powszechny Zaklad Ubezpieczen SA (OTCMKTS:PZAKY) Stock Short Interest Jumps 54.5%

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    Powszechny Zaklad Ubezpieczen SA (PZAKY) Q2 2026 Press Conference Call Transcript

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

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    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