(PZU) Powszechny Zaklad - Ratings and Ratios
Insurance, Banking, Investments, Pension, Asset Management
PZU EPS (Earnings per Share)
PZU Revenue
Description: PZU Powszechny Zaklad
Powszechny Zaklad Ubezpieczen SA (PZU) is a leading insurance provider in Poland and surrounding regions, offering a diverse range of life and non-life insurance products, as well as various financial and investment services. The companys extensive portfolio includes motor, property, and casualty insurance, as well as banking, asset management, and pension fund management.
With a history dating back to 1803, PZU has established itself as a major player in the Polish insurance market, operating through multiple segments, including Corporate Insurance, Mass Insurance, and Unit-Linked Life Insurance. The companys diversified business model and geographic presence in Poland, the Baltic States, and Ukraine provide a stable foundation for growth.
From a financial perspective, PZUs market capitalization stands at approximately 52.7 billion PLN, with a price-to-earnings ratio of 8.86, indicating a relatively attractive valuation. The companys return on equity (RoE) of 18.64% suggests a strong ability to generate profits from shareholder equity. Additionally, PZUs dividend yield and payout ratio can be considered key performance indicators (KPIs) to evaluate the companys ability to return value to shareholders.
To further analyze PZUs performance, other relevant KPIs could include the loss ratio, expense ratio, and combined ratio, which can provide insights into the companys underwriting profitability and operational efficiency. Furthermore, metrics such as the solvency capital requirement (SCR) ratio and the companys liquidity position can help assess its financial stability and ability to meet future obligations.
PZU Stock Overview
| Market Cap in USD | 14,608m |
| Sub-Industry | Property & Casualty Insurance |
| IPO / Inception |
PZU Stock Ratings
| Growth Rating | 96.2% |
| Fundamental | 82.4% |
| Dividend Rating | 72.3% |
| Return 12m vs S&P 500 | 32.5% |
| Analyst Rating | - |
PZU Dividends
| Dividend Yield 12m | 7.48% |
| Yield on Cost 5y | 21.72% |
| Annual Growth 5y | 5.53% |
| Payout Consistency | 75.2% |
| Payout Ratio | 61.1% |
PZU Growth Ratios
| Growth Correlation 3m | 28.7% |
| Growth Correlation 12m | 94.5% |
| Growth Correlation 5y | 90.6% |
| CAGR 5y | 40.30% |
| CAGR/Max DD 3y | 1.81 |
| CAGR/Mean DD 3y | 13.09 |
| Sharpe Ratio 12m | 1.58 |
| Alpha | 28.76 |
| Beta | 0.718 |
| Volatility | 25.72% |
| Current Volume | 3042.4k |
| Average Volume 20d | 1451.2k |
| Stop Loss | 59.5 (-3%) |
| Signal | -0.42 |
Piotroski VR‑10 (Strict, 0-10) 4.0
| Net Income (6.13b TTM) > 0 and > 6% of Revenue (6% = 3.41b TTM) |
| FCFTA 0.05 (>2.0%) and ΔFCFTA 0.97pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.05 (>3.0%) and CFO 27.90b > Net Income 6.13b (YES >=105%, WARN >=100%) |
| Net Debt (6.18b) to EBITDA (14.26b) ratio: 0.43 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (863.5m) change vs 12m ago 0.0% (target <= -2.0% for YES) |
| Gross Margin 30.16% (prev 30.83%; Δ -0.67pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 11.33% (prev 11.49%; Δ -0.16pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 1.75 (EBITDA TTM 14.26b / Interest Expense TTM 8.13b) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 82.40
| 1. Piotroski 4.0pt = -1.0 |
| 2. FCF Yield 88.53% = 5.0 |
| 3. FCF Margin 46.70% = 7.50 |
| 4. Debt/Equity data missing |
| 5. Debt/Ebitda data missing |
| 6. ROIC - WACC 18.26% = 12.50 |
| 7. RoE 19.08% = 1.59 |
| 8. Rev. Trend 30.44% = 1.52 |
| 9. Rev. CAGR 10.19% = 1.27 |
| 10. EPS Trend 60.72% = 1.52 |
| 11. EPS CAGR 33.73% = 2.50 |
What is the price of PZU shares?
Over the past week, the price has changed by -0.74%, over one month by -5.45%, over three months by +4.28% and over the past year by +56.73%.
Is Powszechny Zaklad a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of PZU is around 80.88 PLN . This means that PZU is currently undervalued and has a potential upside of +31.81% (Margin of Safety).
Is PZU a buy, sell or hold?
What are the forecasts/targets for the PZU price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 60.9 | -0.8% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 90.3 | 47.2% |
PZU Fundamental Data Overview
Market Cap PLN = 52.99b (52.99b PLN * 1.0 PLN.PLN)
CCE Cash And Equivalents = 23.03b PLN (Cash only, last quarter)
P/E Trailing = 8.6423
P/S = 0.8426
P/B = 1.658
Beta = 0.663
Revenue TTM = 56.79b PLN
EBIT TTM = 14.26b PLN
EBITDA TTM = 14.26b PLN
Long Term Debt = 29.21b PLN (from longTermDebt, last quarter)
Short Term Debt = unknown (none)
Debt = unknown
Net Debt = 6.18b PLN (from netDebt column, last quarter)
Enterprise Value = 29.96b PLN (52.99b + (null Debt) - CCE 23.03b)
Interest Coverage Ratio = 1.75 (Ebit TTM 14.26b / Interest Expense TTM 8.13b)
FCF Yield = 88.53% (FCF TTM 26.52b / Enterprise Value 29.96b)
FCF Margin = 46.70% (FCF TTM 26.52b / Revenue TTM 56.79b)
Net Margin = 10.79% (Net Income TTM 6.13b / Revenue TTM 56.79b)
Gross Margin = 30.16% ((Revenue TTM 56.79b - Cost of Revenue TTM 39.66b) / Revenue TTM)
Tobins Q-Ratio = 4.63 (Enterprise Value 29.96b / Book Value Of Equity 6.47b)
Interest Expense / Debt = unknown (Interest Expense 1.96b / Debt none)
Taxrate = 22.18% (3.48b / 15.71b)
NOPAT = 11.09b (EBIT 14.26b * (1 - 22.18%))
Current Ratio = unknown (Total Current Assets none / Total Current Liabilities none)
Debt / Equity = unknown Debt (none)
Debt / EBITDA = unknown (Net Debt 6.18b / EBITDA 14.26b)
Debt / FCF = none (Debt none / FCF TTM 26.52b)
Total Stockholder Equity = 32.11b (last 4 quarters mean)
RoA = 1.18% (Net Income 6.13b, Total Assets 520.07b )
RoE = 19.08% (Net Income TTM 6.13b / Total Stockholder Equity 32.11b)
RoCE = 23.25% (Ebit 14.26b / (Equity 32.11b + L.T.Debt 29.21b))
RoIC = 18.26% (NOPAT 11.09b / Invested Capital 60.76b)
WACC = unknown (E(52.99b)/V(0.0) * Re(8.66%)) + (D(none)/V(0.0) * Rd(none%) * (1-Tc(0.22)))
Shares Correlation 3-Years: 80.01 | Cagr: 0.00%
Discount Rate = 8.66% (= CAPM, Blume Beta Adj.)
[DCF Debug] Terminal Value 79.46% ; FCFE base≈23.89b ; Y1≈29.47b ; Y5≈50.27b
Fair Price DCF = 880.2 (DCF Value 760.04b / Shares Outstanding 863.5m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 30.44 | Revenue CAGR: 10.19%
Rev Growth-of-Growth: -3.14
EPS Correlation: 60.72 | EPS CAGR: 33.73%
EPS Growth-of-Growth: -16.53