zł65.88
2.40%
Warsaw, Dec 29, 04:50 pm CET
ISIN
PLPZU0000011
Symbol
PZU
Sector
Industry

Powszechny Zaklad Ubezpieczen Stock price

zł66.08
+2.78 4.39% 1M
+7.74 13.27% 6M
+23.63 55.67% YTD
+23.63 55.67% 1Y
+37.84 133.98% 3Y
+43.95 198.57% 5Y
+47.96 264.66% 10Y
+53.24 414.59% 20Y
Warsaw, Closing price Mon, Dec 29 2025
-1.42 2.10%
ISIN
PLPZU0000011
Symbol
PZU
Sector
Industry

New AI Insights on Powszechny Zaklad Ubezpieczen Insights AI Insights on Powszechny Zaklad Ubezpieczen

How does the company make money?
Who are the company’s main competitors?
What are the key opportunities and risks?
How is the company managed?

Key metrics

Basic
Market capitalization
zł58.3b
Enterprise Value
zł415.4b
Net debt
zł357.1b
Cash
zł17.8b
Shares outstanding
863.3m
Valuation (TTM | estimate)
P/E
8.4 | 9.1
P/S
1.0 | 1.9
EV/Sales
7.1 | 13.3
EV/FCF
44.4
P/B
1.7
Dividends
DPS
zł4.47
Yield 1Y | 5Y
6.6% | 11.8%
Growth 1Y | 5Y
3.0% | -
Payout 1Y | 3Y
72.2% | 65.0%
Increased
3 Years
Financials (TTM | estimate)
Revenue
zł58.7b | zł31.2b
EBITDA
zł28.2b | -
EBIT
zł26.9b | zł9.8b
Net Income
zł6.9b | zł6.4b
Free Cash Flow
zł9.4b
Growth (TTM | estimate)
Revenue
6.1% | -44.8%
EBITDA
8.1% | -
EBIT
7.2% | -62.2%
Net Income
31.1% | 20.4%
Free Cash Flow
10.1%
Margin (TTM | estimate)
Gross
-
EBITDA
48.0% | -
EBIT
45.8%
Net
11.8% | 20.6%
Free Cash Flow
16.0%
Financial Health
Equity Ratio
6.4%
Return on Equity
16.6%
ROCE
15.7%
ROIC
-
Debt/Equity
11.0
More
EPS
zł8.0
FCF per Share
zł10.8
Short interest
-
Employees
38k
Rev per Employee
zł1.5m
Show more

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Analyst Opinions

14 Analysts have issued a Powszechny Zaklad Ubezpieczen forecast:

7x Buy
50%
6x Hold
43%
1x Sell
7%

Analyst Opinions

14 Analysts have issued a Powszechny Zaklad Ubezpieczen forecast:

Buy
50%
Hold
43%
Sell
7%

Financial data from Powszechny Zaklad Ubezpieczen

Income Statement P&L | Balance Sheet | Cash Flow


Quarter TTM Annually
Sep '25
+/-
%
58,669 58,669
6% 6%
100%
- Policy Benefits 25,153 25,153
3% 3%
43%
33,516 33,516
8% 8%
57%
- SG&A 13,039 13,039
51% 51%
22%
- Other operating expenses -7,708 -7,708
104% 104%
-13%
28,185 28,185
8% 8%
48%
- Depreciation and Amortization 1,300 1,300
30% 30%
2%
26,885 26,885
7% 7%
46%
- Interest Expense - -
-
-
- Tax Expense 3,955 3,955
12% 12%
7%
Net Profit 6,906 6,906
31% 31%
12%

In millions PLN.

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Company Profile

Powszechny Zaklad Ubezpieczen SA engages in the provision of life and non-life insurance services. It operates through the following segments: Corporate Insurance; Retail Customer Insurance; Group and Individually Continued Insurance; Individual Insurance; Investment; Banking Activity; Pension Insurance; Baltic States; Ukraine; Investment Contracts; and Other. The Corporate Insurance segment offers motor and non-life insurance products to companies. The Retail Customer Insurance segment provides vehicle and accident coverage. The Group and Individually Continued Insurance segment refers to health and investment assurance offered to corporate entities. The Individual Insurance segment deals with life insurance products. The Investment segment pertains to the surplus of funds and profit. The Banking Activity segment consists of wide range of bank products offered by Alior Bank and to both individual and corporate clients. The Pension Insurance segment includes retirement funds. The Ukraine segment offers life and non-life insurance products. The Baltic States segment delivers reinsurance services. The Investment Contracts segment pertains to unit-linked products and bonds with a guaranteed rate of return. The Other segment manufactures and trades fittings, heaters, and casting. The company was founded in 1803 and is headquartered in Warsaw, Poland.

Head office Poland
CEO Andrzej Klesyk
Employees 37,898
Founded 1803
Website www.pzu.pl

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