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 62B
9.66
zł 7.50
0.29
zł 4.80
6.62%
Price and volume
Market cap
zł 62B
Beta
0.29
52-week high
zł 77.20
52-week low
zł 58.80
Average daily volume
1.4M
Dividend rate
zł 4.80
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)
3.78%
Profitability
EBITDA (TTM)
25,282
Gross margin (TTM)
58.86%
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)
9.659
Price to revenue (TTM)
1.003
Price to book
1.81
Price to tangible book (TTM)
2.24
Price to free cash flow (TTM)
4.68
Free cash flow yield (TTM)
21.37%
Free cash flow per share (TTM)
15.487
Dividend yield (TTM)
6.62%
Forward dividend yield
6.62%
Growth
Revenue change (TTM)
-1.19%
Earnings per share change (TTM)
5.75%
3-year revenue growth (CAGR)
7.92%
10-year revenue growth (CAGR)
11.65%
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%
What the Analysts think about PZU
Analyst ratings (Buy, Hold, Sell) for Powszechny Zaklad Ubezpieczen SA stock.
Analyst projections of the future price of Powszechny Zaklad Ubezpieczen SA stock.
Bulls say / Bears say
Second-quarter net profit rose 12% year on year to PLN 1.65 billion and beat analysts’ expectations, as strength in mass property and casualty and individual life insurance lifted results. (Reuters)
Shareholders approved a record dividend of PLN 4.80 per share, 7.4% higher than last year and above the company’s 2027 target. That strengthens the income case for the shares. (PZU)
PZU’s health business grew quickly, with first-half revenue up 10.4% year on year to PLN 1.16 billion. Expansion of its clinics and services could add a growing source of earnings beyond traditional insurance. (PZU Zdrowie)
PZU says renewed price competition in motor insurance means third-party liability premium rises have not kept pace with claims inflation. That is squeezing profitability across the market. (Reuters)
The banking businesses contributed PLN 801 million to first-half profit, down PLN 218 million year on year. Lower interest income and heavier tax and legal burdens are weighing on this earnings stream. (PZU)
PZU’s share of Poland’s non-life market fell to 26.6% in the first half, as rivals grew faster. Continued share losses could make it harder to sustain its leading position and pricing power. (XYZ)
Data summarised monthly by Lightyear AI. Last updated on 15 Oct 2026.
PZU Financial Performance
Revenues and expenses
PZU Earnings Performance
Company profitability
Upcoming events
No upcoming events
Funds containing PZU
Fund name | Fund size | zł PZU weighting |
|---|---|---|
L&G Global Quality Dividends£LDGG | $353M | 0.20% |
SPDR MSCI Emerging Markets$EMRD | $2.3B | 0.10% |
Xtrackers MSCI Emerging Markets$XMME | $15B | 0.09% |
Xtrackers MSCI Emerging Markets£XMMS | $14B | 0.09% |
Invesco FTSE All-World£FWRG | $4.8B | 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.