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Powszechny Zaklad Ubezpieczen

WSE:PZU · PLPZU0000011
InsuranceLarge

360

79
EV / EBIT82
Price / Owner Earnings91
Owner Earnings Yield31
Dividend Yield89
Price/Sales28
EV / Gross Profit90
Price/Book41
Returns on capital12
Profit margins91
Cash Conversion46
Accruals23
Owner Earnings Margin45
Sales growth46
Profit Growth55
Long-Term EPS Growth14
Owner Earnings Growth43
Reinvestment10
Price momentum41
Debt load43
Debt serviceability63
Liquidity26
Analyst ratings63
Opinion Changes50
Price Target Upside72
Market mood29
Value Creation12/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

Powszechny Zaklad Ubezpieczen clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Profile

CountryPoland
IndustryInsurance
SizeLarge
TypePublic Company
ExchangeWSE
Founded2001
Employees5,774
Websitepzu.pl
ISINPLPZU0000011
Last UpdateApr 2, 2026
Indices
WIG 20 (Poland)

Description

Powszechny Zaklad Ubezpieczen SA (PZU) operates as a financial institution, focusing on diverse offerings in the fields of insurance, health, and investments. PZU's core business encompasses a spectrum of financial services, including life and non-li…

Analysis

Hidden champion

Powszechny Zaklad Ubezpieczen SA is what we call a hidden champion: a strong business that the market is not pricing as one.

The price is attractive. You pay 10.3× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is stretched. The company scores 12/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
12
2023202420252026

All-time high

91

Jan 2026

All-time low

12

Jun 2026

Average rank

79

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
28
17
18
27
Price/Earnings
46
37
36
29
Price/Book
41
31
19
16
Dividend Yield
89
85
91
60
Value (overall)
48
37
49
29

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →