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Powszechny Zaklad Ubezpieczen S.A. (PZU.WA)
Warsaw, PL
Powszechny Zaklad Ubezpieczen S.A. (PZU), established in Warsaw, Poland, in 1803, is a prominent provider of life and non-life insurance solutions, operating across Poland, the Baltic States, and Ukraine. The company segments its diverse activities to include corporate, mass market, group, and individual insurance offerings, alongside investment management, banking, and pension services. Its comprehensive insurance portfolio encompasses motor, property, casualty, agricultural, fire, and third-party liability policies, as well as accident and life coverage. Beyond insurance, PZU delivers various services such as banking, a range of medical care (including hospital, physical therapy, and spa treatments), assistance programs, and manages both pension and mutual funds, in addition to offering financial and accounting expertise. The group's ventures also extend to real estate, covering acquisition, operation, leasing, and sales, broader investment activities, consulting, training, and other monetary intermediation services. Furthermore, PZU is involved in the manufacturing and distribution of radiators, sanitary fittings, and bathroom accessories, and provides support services integral to its primary insurance and pension fund operations.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -2.68% | -1.67% | -10.26% | -8.87% | +3.48% | -8.85% | -0.19% | +57.48% | +79.68% | +80.36% | +93.91% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 5 | 0 |
| Hold | 5 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Insurance - Property & Casualty: +14.1%+20.5% ★ Q1'26: +17.2% (vs Q1'25)
-
EPS growth Insurance - Property & Casualty: +27.5%+25.4% Q1'26: -22.5% (vs Q1'25)
-
FCF margin FCF growth · Insurance - Property & Casualty: +25.6%+28.0% Q1'26: +23.3% (vs Q1'25)
-
EBIT margin Insurance - Property & Casualty: +16.3%+37.9% ★ Q1'26: +32.6% (vs Q1'25)
-
ROIC Insurance - Property & Casualty: +7.9%+20.4% ★ Q1'26: +14.7% (vs Q1'25)
-
Share dilution Insurance - Property & Casualty: +0.4%+0.0% Q1'26: +0.0% (vs Q1'25)
-
Debt / EBITDA Net debt/EBITDA · Insurance - Property & Casualty: -0.10×1.52× Q1'26: 1.82× (vs Q1'25)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2015 actual |
Dec 2016 actual |
Dec 2017 actual |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 7 EPS Ana. |
Dec 2027 5 Rev. Ana. 7 EPS Ana. |
Dec 2028 5 Rev. Ana. 5 EPS Ana. |
Dec 2029 2 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
20.20B
est: 18.02B (+12.1%)
|
23.80B
est: 19.75B (+20.5%)
|
34.39B
est: 22.70B (+51.5%)
|
39.26B
est: 23.61B (+66.3%)
|
41.93B
est: 23.89B (+75.5%)
|
40.24B
est: 23.74B (+69.5%)
|
40.84B
est: 24.86B (+64.3%)
|
41.72B
est: 26.39B (+58.0%)
|
54.48B
est: 28.99B (+87.9%)
|
55.37B
est: 28.86B (+91.9%)
|
66.73B
est: 31.05B (+114.9%)
|
32.52B
32.28B – 32.79B
+4.7% YoY
|
34.23B
33.73B – 34.77B
+5.2% YoY
|
36.05B
35.90B – 36.21B
+5.3% YoY
|
33.77B
33.52B – 34.05B
-6.3% YoY
|
| EBITDA |
3.42B
est: 6.03B (-43.3%)
|
4.10B
est: 6.61B (-38.0%)
|
7.75B
est: 7.60B (+2.0%)
|
10.30B
est: 7.90B (+30.4%)
|
10.52B
est: 8.00B (+31.6%)
|
6.52B
est: 7.95B (-18.0%)
|
9.23B
est: 8.32B (+10.9%)
|
14.23B
est: 8.83B (+61.1%)
|
26.42B
est: 9.70B (+172.3%)
|
25.45B
est: 11.04B (+130.5%)
|
26.77B
est: 11.88B (+125.4%)
|
12.44B
12.35B – 12.54B
+4.7% YoY
|
13.09B
12.90B – 13.30B
+5.2% YoY
|
13.79B
13.73B – 13.85B
+5.3% YoY
|
12.92B
12.82B – 13.03B
-6.3% YoY
|
| EBIT |
3.06B
est: 5.49B (-44.3%)
|
3.69B
est: 6.02B (-38.8%)
|
6.86B
est: 6.92B (-0.8%)
|
9.20B
est: 7.19B (+27.9%)
|
9.23B
est: 7.28B (+26.8%)
|
5.20B
est: 7.23B (-28.2%)
|
7.88B
est: 7.58B (+4.0%)
|
12.90B
est: 8.04B (+60.5%)
|
25.04B
est: 8.83B (+183.4%)
|
23.95B
est: 10.23B (+134.1%)
|
25.26B
est: 11.01B (+129.4%)
|
11.53B
11.44B – 11.63B
+4.7% YoY
|
12.14B
11.96B – 12.33B
+5.2% YoY
|
12.78B
12.73B – 12.84B
+5.3% YoY
|
11.97B
11.89B – 12.07B
-6.3% YoY
|
| Net Income |
2.34B
est: 2.30B (+1.8%)
|
1.94B
est: 1.95B (-0.5%)
|
2.90B
est: 2.87B (+0.9%)
|
3.21B
est: 3.25B (-1.2%)
|
3.30B
est: 3.24B (+1.7%)
|
1.91B
est: 1.80B (+6.4%)
|
3.34B
est: 3.02B (+10.6%)
|
3.78B
est: 3.08B (+22.6%)
|
5.78B
est: 5.38B (+7.4%)
|
5.34B
est: 5.02B (+6.3%)
|
6.70B
est: 6.73B (-0.4%)
|
6.20B
5.83B – 6.88B
-7.8% YoY
|
6.50B
6.05B – 7.38B
+4.9% YoY
|
6.82B
6.14B – 7.73B
+4.8% YoY
|
6.14B
6.08B – 6.20B
-10.0% YoY
|
| SGA |
602.00M
est: 364.41M (+65.2%)
|
1.04B
est: 399.28M (+160.2%)
|
1.74B
est: 458.90M (+279.4%)
|
2.01B
est: 477.32M (+321.7%)
|
1.81B
est: 483.08M (+274.3%)
|
1.72B
est: 480.01M (+257.3%)
|
1.77B
est: 502.66M (+252.7%)
|
188.00M
est: 533.64M (-64.8%)
|
295.00M
est: 586.16M (-49.7%)
|
284.00M
est: 337.44M (-15.8%)
|
—
est: 363.07M (-100.0%)
|
380.28M
377.44M – 383.40M
+4.7% YoY
|
400.22M
394.42M – 406.60M
+5.2% YoY
|
421.56M
419.76M – 423.36M
+5.3% YoY
|
394.91M
391.97M – 398.15M
-6.3% YoY
|
| EPS |
2.71
est: 2.67 (+1.7%)
|
2.24
est: 2.25 (-0.6%)
|
3.35
est: 3.32 (+0.8%)
|
3.72
est: 3.77 (-1.2%)
|
6.01
est: 3.75 (+60.1%)
|
2.21
est: 2.08 (+6.2%)
|
6.29
est: 3.49 (+80.0%)
|
6.09
est: 3.57 (+70.5%)
|
6.68
est: 6.14 (+8.7%)
|
6.19
est: 5.82 (+6.4%)
|
7.76
est: 7.79 (-0.4%)
|
7.20
6.75 – 7.97
-7.5% YoY
|
7.60
7.00 – 8.54
+5.5% YoY
|
7.98
7.12 – 8.96
+5.0% YoY
|
7.11
7.04 – 7.19
-10.9% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-15 | C | 2/5 | 4/5 | 1/5 | 1/5 | 1/5 | 3/5 | 1/5 |
| 2026-05-14 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-13 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-12 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-11 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-08 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-07 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-06 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-05 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-05-04 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 2/5 | 3/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-29 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-28 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-27 | A- | 4/5 | 4/5 | 5/5 | 4/5 | 1/5 | 4/5 | 2/5 |
| 2026-04-24 | B+ | 3/5 | 4/5 | 5/5 | 4/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-23 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-22 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-21 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-20 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-17 | A- | 4/5 | 4/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-16 | A- | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 3/5 | 2/5 |
| 2026-04-15 | A | 4/5 | 5/5 | 5/5 | 5/5 | 1/5 | 4/5 | 2/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | iShares MSCI Poland UCITS ETF IPOL.L | 7.90% | 72.19M | 0.74% |
| 2 | iShares MSCI Poland ETF EPOL | 6.32% | 42.07M | 0.59% |
| 3 | Amundi STOXX Europe 600 Healthcare UCITS ETF Dist EHLT.DE | 3.24% | 33.20M | 0.30% |
| 4 | Amundi STOXX Europe 600 Healthcare UCITS ETF Acc CH5.L | 3.24% | 33.21M | 0.30% |
| 5 | Global X - MSCI SuperDividend Emerging Markets ETF SDEM | 2.02% | 894.1K | 0.66% |
| 6 | Invesco STOXX Europe 600 Optimised Insurance UCITS ETF SC0Y.DE | 1.30% | 748.1K | 0.20% |
| 7 | iShares STOXX Europe 600 Insurance UCITS ETF (DE) EXH5.DE | 1.15% | 7.47M | 0.46% |
| 8 | Rayliant Wilshire NxtGen Emerging Markets Equity ETF RWEM | 1.03% | 799.3K | 0.52% |
| 9 | Putnam Emerging Markets Ex-China ETF PEMX | 0.86% | 281.2K | 0.70% |
| 10 | Amundi PEA Immobilier Europe (FTSE EPRA/NAREIT) UCITS ETF Acc PMEH.PA | 0.83% | 278.2K | 0.40% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Maciej Fedyna | Member of the Management Board | 2M | male |
| Tomasz Pawel Kulik | Member of the Management Board | 2M | male |
| Elzbieta Hauser-Schoneich | Member of the Management Board | 2M | female |
| Jan Zimowicz | Member of the Management Board | 2M | male |
| Kazimierz Karolczak | Member of the Management Board | 2M | male |
| Tomasz Tarkowski | Acting Chief Executive Officer & Member of the Management Board | 2M | male |
| Bogdan Benczak | President of the Management Board | 442.0K | male |
| Magdalena Komaracka | Director of Management Consolidation & IR | — | female |
| Anna Machnikowska | Secretary of the Supervisory Board & Independent Member of the Supervisory Board | — | female |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for PZU.WA
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
