Powszechny Zaklad Ubezpieczen SA/zł PZU
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Capital at risk
About Powszechny Zaklad Ubezpieczen SA
Powszechny Zakład Ubezpieczeń SA (PZU) is a financial services company based in Warsaw, Poland, specializing in insurance and asset management. PZU offers a range of insurance products, including life, property, and casualty insurance, along with health insurance services. The company also engages in pension fund management and other asset management services. Originally founded in 1803, PZU holds a significant position in the Polish insurance market and has expanded its operations throughout Central and Eastern Europe. It leverages a strong distribution network and brand recognition as strategic advantages.
- Ticker
- zł PZU
- Sector
- Finance
- Primary listing
- WSE
- Employees
- 37,633
- Headquarters
- Warsaw, Poland
- Website
- www.pzu.pl
PZU Metrics
BasicAdvanced
zł 66B
10.12
zł 7.50
0.31
zł 4.47
5.89%
Price and volume
Market cap
zł 66B
Beta
0.31
52-week high
zł 76.84
52-week low
zł 53.36
Average daily volume
2M
Dividend rate
zł 4.47
Financial strength
Current ratio
3.728
Quick ratio
3.396
Long term debt to equity
0.592
Total debt to equity
0.711
Dividend payout ratio (TTM)
59.57%
Interest coverage (TTM)
3.82%
Profitability
EBITDA (TTM)
25,553
Gross margin (TTM)
58.93%
Net profit margin (TTM)
10.14%
Operating margin (TTM)
39.74%
Effective tax rate (TTM)
25.87%
Revenue per employee (TTM)
zł 1,660,000
Management effectiveness
Return on assets (TTM)
2.87%
Return on equity (TTM)
19.54%
Valuation
Price to earnings (TTM)
10.117
Price to revenue (TTM)
1.051
Price to book
1.91
Price to tangible book (TTM)
2.37
Price to free cash flow (TTM)
4.902
Free cash flow yield (TTM)
20.40%
Free cash flow per share (TTM)
15.487
Dividend yield (TTM)
5.89%
Forward dividend yield
5.89%
Growth
Revenue change (TTM)
-1.19%
Earnings per share change (TTM)
5.75%
3-year revenue growth (CAGR)
7.05%
10-year revenue growth (CAGR)
11.93%
3-year earnings per share growth (CAGR)
11.82%
10-year earnings per share growth (CAGR)
14.44%
3-year dividend per share growth (CAGR)
25.99%
10-year dividend per share growth (CAGR)
8.72%
Bulls say / Bears say
PZU reported Q1 net profit of PLN 1.36 billion versus a consensus of PLN 1.27 billion and an operating profit of PLN 3.75 billion, indicating robust underwriting performance and operational leverage (Reuters)
PZU signed a conditional agreement to acquire 100% of MetLife Ukraine, boosting its life insurance scale by ~900,000 customers and capturing a 50% market share in Ukraine to accelerate its Central and Eastern Europe expansion strategy (Reuters)
PZU’s CEO stated the merger with LINK4 is expected in January 2027, advancing its multibrand integration to simplify the structure, unlock synergies, and enhance efficiency under its 2025–27 strategy (Reuters)
In 4Q25, PZU’s result from insurance services fell 6.6% to PLN 1.14 billion, dragged by a 5.2% drop in motor insurance sales amid stiff competition in the mass-market segment (Reuters)
Analysts warn that an intensifying price war in motor insurance "does not bode well for the coming quarters," underscoring margin pressures in PZU’s core business (Reuters)
PZU’s Q1 insurance revenue of PLN 7.78 billion slightly missed the company-compiled consensus of PLN 7.79 billion, suggesting potential demand headwinds in its insurance operations (Reuters)
Data summarised monthly by Lightyear AI. Last updated on 22 Aug 2026.
Upcoming events
Funds containing PZU
AllGBPEUR
Fund name | Fund size | zł PZU weighting |
|---|---|---|
L&G Global Quality Dividends£LDGG | £279M | 0.21% |
Amundi STOXX Europe 600€MEUD | €7.6B | 0.08% |
Amundi STOXX Europe 600£MEUD | £6.6B | 0.07% |
Invesco FTSE All-World€FWIA | €4B | 0.06% |
Invesco FTSE All-World£FWRG | £3.4B | 0.06% |
Latest price is delayed by 15 minutes. Data displayed above is indicative only and its accuracy or completeness is not guaranteed. Actual execution price may vary. Past performance is not indicative of future results. Your return may be affected by currency fluctuations and applicable fees and charges. Capital at risk.
Market data provided by CBOE Europe and Deutsche Börse.