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Powszechny Zaklad Ubezpieczen
PZU

Last Price

Financial Snapshot

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Market Data

Market Cap
PLN57.63B
EV
PLN115.63B
Shares Outstanding
863.52M
Beta
0.38
Industry
Insurance - Property & Casualty

Wall Street View

Analyst Rating
OUTPERFORM
Analyst Target Price
Number of Analysts
10
P/E 2025E
8.73x
P/B 2025E
1.64x

Historical 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Forecasted 3Y Growth Rate

Revenue
EBIT
EPS
BVPS

Margins & Returns

Ebit Margin 2025E
56.71%
Net Profit Margin 2025E
20.83%
ROE 2025E
19.38%
ROA 2025E
1.29%

Dividends

DPS 2025E
PLN5.10
Payout Ratio 2025E
66.67%
Div. Yield 2025E
7.63%
DPS Last 3Y CAGR

Price Dynamic

Price

%

1M

3M

6M

1Y

3Y

5Y

Peers

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About Powszechny Zaklad Ubezpieczen SA

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P

Powszechny Zaklad Ubezpieczen SA

PZU

Powszechny Zaklad Ubezpieczen SA provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine. It operates through Corporate Insurance, Mass Insurance, Group and Individually Continued Life Insurance, Individual Protective Insur...

Sector

Financial Services

Industry

Insurance - Property & Casualty

CEO

Tarkowski, Tomasz

Employees

37,898

Website

www.pzu.pl

IPO Date

2010-05-11

Headquarters

Rondo Ignacego Daszynskiego 4, Warsaw 00-843, Poland

šŸ“Š Stock Price & Performance

The last closing price of Powszechny Zaklad Ubezpieczen (PZU) is PLN66.84, reflecting a +1.15% change from the prior session. Last updated: December 30, 2025 at 10:53 AM Eastern Time

Review the recent PZU stock performance trends:Past 1 Month: Powszechny Zaklad Ubezpieczen (PZU) shares have +6.17%.Past 3 Months: The stock has +22.77%.Past 6 Months: PZU shares have +5.94%. Last updated: January 1, 2026 at 12:20 AM Eastern Time

Over the last year, Powszechny Zaklad Ubezpieczen (PZU) has established a 52-week price range between a high of PLN68.40 and a low of PLN45.60. This metric is essential for assessing the stock's annual volatility. Last updated: January 1, 2026 at 12:20 AM Eastern Time

Powszechny Zaklad Ubezpieczen (PZU) is considered a low volatility stock. It has a beta of 0.38, which means it typically moves 0.38 times as much as the broader market. Over the past 52 weeks, PZU has traded within a PLN45.60 – PLN68.40 range. Last updated: January 1, 2026 at 12:20 AM Eastern Time

Based on current PZU analyst forecasts and market assumptions, the consensus price target for Powszechny Zaklad Ubezpieczen (PZU) is PLN66.62 for 2027. Relative to the current price of PLN66.84, this implies a potential downside of -0.19%. Price targets reflect forward-looking estimates based on information available at the time and are inherently subject to change as underlying assumptions, company fundamentals, or market conditions evolve. Last updated: January 1, 2026 at 12:20 AM Eastern Time

A PLN1,000 investment in Powszechny Zaklad Ubezpieczen 5 years ago, when the stock was trading around PLN32.41, would be worth approximately PLN2062.59 today, based solely on share price performance (excluding dividends). This represents a total return of 106.26% over the period, equivalent to a compound annual growth rate (CAGR) of 15.58%. Past performance reflects historical price movements only and does not imply future results. Last updated: January 1, 2026 at 12:20 AM Eastern Time

šŸ’° Financial Metrics & Reports

The current Powszechny Zaklad Ubezpieczen (PZU) market capitalization is approximately PLN57.63B, based on its latest share price and shares outstanding. Market capitalization represents the total market value of a company's equity and is calculated by multiplying the current stock price by the number of shares outstanding. As a result, Powszechny Zaklad Ubezpieczen's market cap fluctuates with changes in its share price and share count. Last updated: January 1, 2026 at 12:20 AM Eastern Time

In the most recently reported quarter, Powszechny Zaklad Ubezpieczen (PZU) generated PLN7.90B in revenue, representing a +4.80% year over year change. Quarterly revenue results and expectations reflect underlying demand trends, pricing dynamics, product or service mix, seasonality, and broader macroeconomic conditions. Actual results may differ from consensus estimates as new information becomes available. Last updated: January 1, 2026 at 4:29 AM Eastern Time

In the most recently reported fiscal year, Powszechny Zaklad Ubezpieczen (PZU) generated net income of PLN5.34B, compared with PLN5.77B in the prior fiscal year, representing a -7.35% year over year change. For the upcoming fiscal year, analyst consensus currently estimates net income of PLN6.54B. Net income may be positive or negative and can fluctuate materially from year to year due to changes in operating performance, non-recurring or one-time items, accounting treatments, capital structure, and broader macroeconomic conditions. Last updated: January 1, 2026 at 4:29 AM Eastern Time

According to its latest quarterly filing, Powszechny Zaklad Ubezpieczen (PZU) reported EBITDA of PLN7.24B, representing a +9.46% year over year change. EBITDA is a non-GAAP measure and does not account for depreciation, amortization, interest expense, taxes, or capital expenditures. As a result, it should be considered alongside other financial metrics when assessing operating performance. Actual results may differ from estimates as company-specific or macroeconomic conditions evolve. Last updated: January 1, 2026 at 4:29 AM Eastern Time

As of the most recent reporting period, the company's debt-to-equity ratio stands at 0.59x, calculated as total debt divided by total shareholders' equity. A lower debt-to-equity ratio generally indicates a more conservative capital structure with less reliance on external borrowing, while a higher ratio suggests greater financial leverage and potentially higher sensitivity to interest rates, refinancing conditions, and earnings volatility. The debt-to-equity ratio should be interpreted in the context of the company's industry, business model, cash flow stability, and balance sheet composition. Last updated: January 1, 2026 at 4:29 AM Eastern Time

Based on the latest available data, Powszechny Zaklad Ubezpieczen (PZU) is currently trading at a last twelve months (LTM) P/E ratio of 8.36x. Looking forward, the stock trades at a next twelve months (NTM) P/E ratio of 9.70x, based on consensus earnings estimates. The P/E ratio reflects how much investors are willing to pay today for a dollar of earnings and can vary meaningfully over time due to changes in profitability, growth expectations, margin outlook, and earnings volatility. Last updated: January 1, 2026 at 4:29 AM Eastern Time

šŸ“… Earnings & Dividends

Powszechny Zaklad Ubezpieczen (PZU) is currently scheduled to report its next earnings results on May 12, 2026. Earnings dates are subject to change and may be updated by the company with limited notice. Investors typically monitor upcoming earnings releases closely, as they can result in increased volatility depending on reported results, forward guidance, and management commentary. Last updated: January 1, 2026 at 12:20 AM Eastern Time

In the most recently reported quarter, Powszechny Zaklad Ubezpieczen (PZU) revenue was PLN7.90B, compared with analyst consensus expectations of PLN7.73B, representing a +2.27% revenue surprise versus expectations. Earnings per share (EPS) for the quarter were PLN2.31, compared with consensus estimates of PLN1.70, resulting in an +35.88% EPS surprise. Revenue and EPS surprises may be positive or negative and can influence near-term stock performance depending on expectations, forward guidance, and broader market and sector conditions. For a detailed history of analyst expectations versus reported results, view the full estimates vs. actuals track record here: šŸ‘‰ Estimates vs. Actuals Last updated: January 1, 2026 at 4:29 AM Eastern Time

Powszechny Zaklad Ubezpieczen (PZU) has paid dividends over the last twelve months (LTM), totaling PLN4.47 per share. Based on current analyst expectations, dividends over the next twelve months (NTM) are estimated at PLN5.09 per share , implying a forward dividend yield of +7.62% at the current share price. Dividend payments are subject to board approval and may change depending on profitability, cash flow, capital allocation priorities, and broader market conditions. Last updated: January 1, 2026 at 4:29 AM Eastern Time

šŸ“ˆ Analyst Information

Analyst assessments of whether Powszechny Zaklad Ubezpieczen (PZU) consensus price target is overvalued or undervalued are generally expressed relative to consensus valuation frameworks and price targets, rather than as an absolute judgment.Current share price: PLN66.84Consensus price target: PLN66.62Implied return: -0.19% An implied return above current levels indicates that, on average, analysts view the stock as trading below their estimated fair value. Conversely, an implied return below current levels suggests the stock may be fully valued or priced above consensus expectations. This content is for informational purposes only and does not constitute investment advice. Last updated: January 1, 2026 at 4:29 AM Eastern Time

Based on the latest available analyst coverage, Powszechny Zaklad Ubezpieczen (PZU) currently carries a Outperform consensus rating. Analysts' average PZU price target is PLN66.62. Relative to the current share price of PLN66.84, this suggests a potential price change of approximately -0.19%. Analyst views are forward-looking estimates and should not be considered investment advice. Last updated: January 1, 2026 at 4:29 AM Eastern Time

Like other publicly traded stocks, Powszechny Zaklad Ubezpieczen (PZU) shares are bought and sold on stock exchanges such as WSE and other supported markets, depending on the listing. The most common way to buy shares is through an online brokerage account. To get started, you typically need to: Open an account with a licensed stock brokerComplete the broker's verification processFund your accountPlace a buy order for Powszechny Zaklad Ubezpieczen (PZU) shares Trading involves risk, and investors should consider their financial objectives and risk tolerance before investing.

ā„¹ļø Company Information

At the top right of this page, you'll see a star icon labeled Add to watchlist. Click it to add PZU to your watchlist.

Powszechny Zaklad Ubezpieczen trades under the ticker symbol PZU on the WSE stock exchange. The ticker PZU is used to identify the company's common stock across trading platforms, market data providers, and regulatory filings.

As of the most recently reported period, Powszechny Zaklad Ubezpieczen (PZU) employs approximately 37,898 people worldwide. Reported employee figures may fluctuate over time due to hiring activity, restructuring, automation initiatives, or changes in business strategy. Headcount data is typically disclosed in company filings and reflects full-time employees unless otherwise stated. Last updated: January 1, 2026 at 12:20 AM Eastern Time

Powszechny Zaklad Ubezpieczen (PZU) operates in a highly competitive market with companies that often have different business models, geographic exposure, and end markets. While no two companies are identical, the following firms are generally considered the closest Powszechny Zaklad Ubezpieczen (PZU) stock peers based on overlapping products, services, and competitive dynamics:Vienna Insurance Group (VIG)UNIQA Insurance Group (UQA)Bank Polska Kasa Opieki (PEO)Swiss Life Holding (SLHN)Sampo (SAMPO)Unipol Assicurazioni (UNI)KRUK Spólka Akcyjna (KRU)Aviva (AV.)Tryg (TRYG) These peers may differ in size, business mix, financial profile, and strategic focus, but they are commonly referenced due to overlapping markets, customer segments, or competitive positioning relative to Powszechny Zaklad Ubezpieczen.

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