Powszechny Zaklad Ubezpieczen (PZU.WA) Stock Price

Powszechny Zaklad Ubezpieczen Price

GPW·CLOSED
72.44
-1.48 (-2.02 %)
Market closed

Over the last 19 years Powszechny Zaklad Ubezpieczen grew revenue by 10.5% annually, reaching 66.73 B PLN. Earnings per share have grown at 3.2% per year over the last 19 years. For Powszechny Zaklad Ubezpieczen, the net margin of 10.0% is up versus 8.2% a few years ago. At today's price the dividend yield works out to roughly 6.17%. The payout ratio is around 58% of earnings. The dividend has grown at 9.9% per year over the past 15 years. The consensus 12-month price target for Powszechny Zaklad Ubezpieczen is 70.38 PLN, about 2.8% below where the stock trades today. Of 14 analysts, 8 rate the stock a buy — an overall Buy consensus. The stock trades about 34% above its 52-week low.

Powszechny Zaklad Ubezpieczen stock price

Volume
Ex-Dividend
Details

Stock Price

How to Read This Chart

This chart tracks the historical stock price of Powszechny Zaklad Ubezpieczen over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.

Total Return vs. Price Return

The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.

Intraday Price Data

When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Powszechny Zaklad Ubezpieczen stock reacts to market openings, earnings releases, or breaking news throughout the trading session.

What to Look For

Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Powszechny Zaklad Ubezpieczen's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.

Powszechny Zaklad Ubezpieczen Stock Price History
DatePowszechny Zaklad Ubezpieczen Price
9/18/202672.44 PLN
9/17/202673.92 PLN
9/16/202671.94 PLN
9/15/202677.02 PLN
9/14/202676.20 PLN
9/11/202676.42 PLN
9/10/202675.48 PLN
9/9/202675.12 PLN
9/8/202675.96 PLN
9/7/202676.14 PLN
9/4/202676.12 PLN
9/3/202675.50 PLN
9/2/202674.04 PLN
9/1/202674.06 PLN
8/31/202674.38 PLN
8/28/202673.68 PLN
8/27/202673.00 PLN
8/26/202674.00 PLN
8/25/202672.16 PLN
8/21/202672.02 PLN
8/20/202672.20 PLN
8/19/202670.90 PLN
8/18/202671.54 PLN
8/17/202672.04 PLN
8/14/202672.90 PLN
8/13/202672.14 PLN
8/12/202672.54 PLN
8/11/202672.80 PLN
8/10/202673.06 PLN
8/7/202673.06 PLN
Access this data via the Eulerpool API

Powszechny Zaklad Ubezpieczen Revenue, EBIT, Net Income

  • 3 Years

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  • 25 Years

  • Max

Revenue
EBIT
Net Income
Details
Date
Revenue
EBIT
Net Income
Jan 1, 2023
54.48 B PLN
34.17 B PLN
5.78 B PLN
Jan 1, 2024
55.37 B PLN
32.93 B PLN
5.34 B PLN
Jan 1, 2025
66.73 B PLN
26.12 B PLN
6.70 B PLN
Jan 1, 2026 (e)
31.94 B PLN
7.62 B PLN
6.14 B PLN
Jan 1, 2027 (e)
33.62 B PLN
8.27 B PLN
6.51 B PLN
Jan 1, 2028 (e)
28.41 B PLN
8.69 B PLN
6.81 B PLN
Jan 1, 2029 (e)
35.62 B PLN
8.15 B PLN
6.44 B PLN
Jan 1, 2030 (e)
34.93 B PLN
8.36 B PLN
6.60 B PLN

Powszechny Zaklad Ubezpieczen Income Statement, Balance Sheet, Cash Flow Statement

Last updated Sep 20, 2026, 3:57 PM
 
REVENUEB PLN
REVENUE GROWTH%
GROSS MARGIN%
GROSS INCOMEB PLN
EBITB PLN
EBIT MARGIN%
NET INCOMEB PLN
NET INCOME GROWTH%
DIV.PLN
DIV. GROWTH%
SHARESM
201520162017201820192020202120222023202420252026e2027e2028e2029e2030e
20.2023.8034.3939.2641.9340.2440.8441.7254.4855.3766.7331.9433.6228.4135.6234.93
2.2017.8444.4814.156.80-4.041.502.1430.601.6320.51-52.145.27-15.4925.35-1.93
91.3290.1191.5691.5891.3891.0090.4497.9697.9198.7662.6062.6062.6062.6062.6062.60
18.4521.4531.4935.9538.3136.6136.9440.8753.3454.6841.7719.9921.0417.7922.2921.86
2.942.995.479.209.245.207.8918.1034.1732.9326.127.628.278.698.158.36
14.5712.5515.9023.4422.0312.9219.3243.4062.7359.4839.1423.8624.6130.5822.8923.93
2.341.942.903.213.301.913.343.785.785.346.706.146.516.816.446.60
-21.03-17.4149.6110.982.55-41.9774.4813.3452.87-7.5825.40-8.315.984.58-5.392.55
3.002.081.402.502.803.501.942.405.464.474.915.395.92
-41.18-30.67-32.6978.5712.00-44.5723.71127.50-18.139.849.789.83
863.52863.50863.52863.27863.30863.33863.34863.52863.52863.52863.50863.50863.50863.50863.50863.50
Details

Income Statement Key Figures

Revenue and Revenue Growth

Revenue is the starting point of every income statement — it measures the total sales Powszechny Zaklad Ubezpieczen generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.

Gross Margin

Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Powszechny Zaklad Ubezpieczen retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Powszechny Zaklad Ubezpieczen's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.

EBIT and EBIT Margin

EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.

Net Income and Earnings Per Share (EPS)

Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.

Shares Outstanding

The total number of shares Powszechny Zaklad Ubezpieczen has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.

Analyst Estimates

The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Powszechny Zaklad Ubezpieczen's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.

Powszechny Zaklad Ubezpieczen stock margins

The Powszechny Zaklad Ubezpieczen margin analysis displays the gross margin, EBIT margin, as well as the profit margin of Powszechny Zaklad Ubezpieczen. The EBIT margin (EBIT/sales) indicates the percentage of sales that remains as operating profit. The profit margin shows the percentage of sales that remains for Powszechny Zaklad Ubezpieczen.
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Gross margin
EBIT margin
Profit margin
Details
Date
Gross margin
EBIT margin
Profit margin
Jan 1, 2021
90.44 %
19.32 %
8.17 %
Jan 1, 2022
97.96 %
43.40 %
9.06 %
Jan 1, 2023
97.91 %
62.73 %
10.61 %
Jan 1, 2024
98.76 %
59.48 %
9.65 %
Jan 1, 2025
62.60 %
39.14 %
10.04 %
Jan 1, 2026 (e)
62.60 %
23.86 %
19.23 %
Jan 1, 2027 (e)
62.60 %
24.61 %
19.36 %
Jan 1, 2028 (e)
62.60 %
30.58 %
23.96 %

Powszechny Zaklad Ubezpieczen Stock Revenue, EBIT, Earnings per Share

The Powszechny Zaklad Ubezpieczen earnings per share therefore indicates how much revenue Powszechny Zaklad Ubezpieczen has generated per share in a given period. The earnings before interest and taxes per share shows how much of the operating profit corresponds to each share. The earnings per share indicates how much of the profit belongs to each share.
  • 3 Years

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  • Max

Revenue per Share
EBIT per share
Earnings per Share
Details
Date
Revenue per Share
EBIT per share
Earnings per Share
Jan 1, 2021
47.30 PLN
9.14 PLN
3.86 PLN
Jan 1, 2022
48.31 PLN
20.97 PLN
4.38 PLN
Jan 1, 2023
63.09 PLN
39.58 PLN
6.69 PLN
Jan 1, 2024
64.12 PLN
38.14 PLN
6.19 PLN
Jan 1, 2025
77.27 PLN
30.25 PLN
7.76 PLN
Jan 1, 2026 (e)
36.99 PLN
8.82 PLN
7.11 PLN
Jan 1, 2027 (e)
38.94 PLN
9.58 PLN
7.54 PLN
Jan 1, 2028 (e)
32.91 PLN
10.06 PLN
7.89 PLN

Powszechny Zaklad Ubezpieczen business model & stock analysis

Powszechny Zakład Ubezpieczeń S.A., commonly known as PZU, is a state-owned insurance company in Poland. Founded in 1803, PZU is the oldest insurance company in Poland and one of the oldest in Europe. PZU offers a wide range of insurance products to meet the needs of its customers. The main lines of business include car insurance, liability insurance, accident insurance, health insurance, life insurance, as well as insurance for real estate, travel, and business activities. PZU's business model is based on the principle of risk sharing. The company collects premiums from its customers and uses these funds to compensate for the damages and losses of its customers. In return, PZU receives a premium, which allows it to expand and grow its business. PZU is the largest insurance provider in Poland with a market share of over 30 percent. The company is listed on the Warsaw Stock Exchange and generated a revenue of around 20 billion euros in 2019. It employs more than 30,000 employees in various countries and operates over 1,200 branches in Poland and abroad. In 2011, PZU was privatized by the Polish government and went public. However, the government retains a majority stake of 34 percent in the company. In recent years, PZU has taken various initiatives to strengthen its business and brand. These include the introduction of online platforms and services, collaboration with other companies to develop new products and services, as well as the expansion into new international markets. An example of successful collaboration was the partnership with Polish bank PKO BP, which allowed PZU to jointly offer new products such as a checking account with insurance. The company has also started to expand into other markets, including Lithuania, Ukraine, Belarus, and Kazakhstan. Of particular note is the importance of PZU for the Polish economy. The company has become one of the country's largest employers and has invested millions of euros in supporting culture, education, and healthcare in recent years. Overall, PZU is now a reputable insurance company with a long history and a wide range of products and services. However, PZU also faces some challenges, such as increasing competition from other private insurance companies and the threat posed by non-traditional providers such as fintechs and startups.

Powszechny Zaklad Ubezpieczen SWOT Analysis

Strengths

Powszechny Zaklad Ubezpieczen SA (PZU) has several strengths that contribute to its success in the insurance industry. One of its key strengths is its strong brand reputation, which has been built over several years of providing reliable and quality insurance services. This brand recognition helps attract and retain customers. The company also benefits from a wide range of insurance products and services, offering coverage for various aspects of life, health, property, and automobile. This diverse portfolio allows PZU to cater to the different needs and preferences of its customers. Another strength of PZU is its extensive distribution network. The company has a large number of branches and agents across the country, enabling easy accessibility for customers. This widespread presence gives PZU a competitive advantage over its rivals in terms of market reach. Furthermore, PZU has a strong financial position. The company boasts a robust capital structure, which provides stability and peace of mind to policyholders. This financial stability is crucial in gaining the trust and confidence of customers.

Weaknesses

Despite its strengths, PZU also faces certain weaknesses that could hinder its growth and performance. One of the weaknesses is its limited international presence. PZU primarily operates within Poland, which may limit its market expansion opportunities compared to global insurers. Additionally, PZU's dependence on traditional distribution channels can be considered a weakness in the age of digital transformation. With the increasing popularity of online insurance platforms, the company may face challenges in adapting to the changing market dynamics and customer preferences. Another weakness lies in the potential impact of regulatory changes. The insurance industry is subject to regulations that can significantly affect operations and profitability. PZU needs to closely monitor and adjust to changes to remain compliant and maintain a competitive edge.

Opportunities

PZU can leverage various opportunities to strengthen its position in the market. One significant opportunity is the growing demand for insurance products in Poland. With increasing awareness of the importance of insurance coverage and economic development, PZU can tap into this expanding market and attract new customers. Furthermore, the advancement of technology and digitalization presents opportunities for PZU to improve its operational efficiency and customer experience. By investing in innovative technologies, such as online platforms, mobile applications, or data analytics, PZU can enhance its service offerings and engage with customers in a more personalized and convenient manner. PZU could also explore strategic partnerships or acquisitions to expand its product portfolio or enter new markets. Collaborating with fintech companies or other insurers may provide access to niche insurance segments or unlock synergies that drive growth.

Threats

Like any other insurance company, PZU faces several threats that could impact its business operations. One significant threat is increased competition within the insurance industry. Rival insurers, both domestic and international, may offer competitive pricing, innovative products, or better customer experiences, posing a challenge to PZU's market share. Economic fluctuations and market uncertainties also pose threats to PZU. In times of economic downturn, demand for insurance products may decline, leading to reduced revenues and profitability. Additionally, fluctuations in interest rates and investment market conditions can affect the returns generated from PZU's investment portfolio. Lastly, changing consumer behavior and preferences can pose a threat to PZU. As customer expectations evolve, PZU needs to consistently adapt its offerings and services to meet their needs. Failure to keep pace with changing trends may result in customer attrition and loss of market share.

Powszechny Zaklad Ubezpieczen Eulerpool Fair Value

Details

Fair Value Estimate

What Is Fair Value?

Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.

Earnings-Based Fair Value

Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.

Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021

Revenue-Based Fair Value

Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"

Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021

Dividend-Based Fair Value

Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.

Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021

How to Use This Chart

When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.

Powszechny Zaklad Ubezpieczen historical P/E ratio, EBIT multiple, and P/S ratio

Powszechny Zaklad Ubezpieczen annual returns

Details

Annual Return

What This Chart Shows

This chart breaks down Powszechny Zaklad Ubezpieczen's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.

Price Return

Price return measures the percentage change in Powszechny Zaklad Ubezpieczen's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.

Dividend Return

Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.

What to Look For

Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare Powszechny Zaklad Ubezpieczen's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.

Powszechny Zaklad Ubezpieczen shares outstanding

The number of shares of Powszechny Zaklad Ubezpieczen was 863.5 M in 2025. This indicates how many shares Powszechny Zaklad Ubezpieczen is divided into. Since shareholders are the owners of a company, each share represents a small portion of the company's ownership.
  • 3 Years

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  • Max

Number of stocks
Details
Date
Number of stocks
Jan 1, 2021
863.34 M Stocks
Jan 1, 2022
863.52 M Stocks
Jan 1, 2023
863.52 M Stocks
Jan 1, 2024
863.52 M Stocks
Jan 1, 2025
863.50 M Stocks
Jan 1, 2026 (e)
863.50 M Stocks
Jan 1, 2027 (e)
863.50 M Stocks
Jan 1, 2028 (e)
863.50 M Stocks

Powszechny Zaklad Ubezpieczen stock splits

Since 2015, a total of 10 shares have been converted from one Powszechny Zaklad Ubezpieczen share.

DateRatioType
11/30/20151 : 10Stock Split

Powszechny Zaklad Ubezpieczen Dividend History

15 years of dividend payments

YearAnnual DividendYoY ChangePayments
20254.47PLN 18.1%
Sep 24, 20254.47PLN 299.1%1/1
20245.46PLN 127.5%
20232.40PLN 23.7%
20221.94PLN 44.6%
20213.50PLN 25.0%
20192.80PLN 12.0%
20182.50PLN 78.6%
20171.40PLN 32.7%
20162.08PLN 30.7%
20153.00PLN 76.5%

Powszechny Zaklad Ubezpieczen dividend history and estimates

In 2025, Powszechny Zaklad Ubezpieczen paid a dividend amounting to 4.47 PLN. Dividend means that Powszechny Zaklad Ubezpieczen distributes a portion of its profits to its owners.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Dividend
Dividend (Estimate)
Details
Date
Dividend
Dividend (Estimate)
Jan 1, 2021
3.50 PLN
0.00 PLN
Jan 1, 2022
1.94 PLN
0.00 PLN
Jan 1, 2023
2.40 PLN
0.00 PLN
Jan 1, 2024
5.46 PLN
0.00 PLN
Jan 1, 2025
4.47 PLN
0.00 PLN
Jan 1, 2026 (e)
0.00 PLN
4.91 PLN
Jan 1, 2027 (e)
0.00 PLN
5.39 PLN
Jan 1, 2028 (e)
0.00 PLN
5.92 PLN

Powszechny Zaklad Ubezpieczen dividend payout ratio

In 2025, Powszechny Zaklad Ubezpieczen had a payout ratio of 57.62%. The payout ratio indicates the percentage of the company's profits that Powszechny Zaklad Ubezpieczen distributes as dividends.
  • 3 Years

  • 5 Years

  • 10 Years

  • 25 Years

  • Max

Payout ratio
Details
Date
Payout ratio
Jan 1, 2021
90.58 %
Jan 1, 2022
44.31 %
Jan 1, 2023
35.86 %
Jan 1, 2024
70.16 %
Jan 1, 2025
57.62 %
Jan 1, 2026 (e)
68.99 %
Jan 1, 2027 (e)
71.48 %
Jan 1, 2028 (e)
75.06 %

Current Powszechny Zaklad Ubezpieczen forecasts and price targets in September 2026

Analyst Price Targets 2026
Δ MOM Price Target
6.15 %
Buy
57.14 % (8)
Hold
35.71 % (5)
Sell
7.14 % (1)
12M Price Target
70.38
Last Price
72.44
Currency
PLN
12M Return Potential
-2.84 %
LTM Return
20.37 %

Powszechny Zaklad Ubezpieczen Earnings Calls

Powszechny Zaklad Ubezpieczen Earnings Estimates & Surprises

DateEPS estimateEPS ActualRevenue EstimatePrice reactionQuarterly report
11/19/20261.81PLN-16.87 BPLN-2026 Q3
8/20/20261.69PLN1.82PLN6.18 BPLN-2026 Q2
5/14/20261.69PLN1.56PLN7.80 BPLN-2026 Q1
2/26/20261.82PLN1.71PLN7.81 BPLN-2025 Q4
11/20/20251.82PLN2.33PLN8.07 BPLN-2025 Q3
8/27/20251.70PLN1.72PLN7.78 BPLN-2025 Q2
3/27/20251.49PLN1.82PLN6.98 BPLN-2025 Q1
11/21/20241.42PLN1.52PLN8.14 BPLN-2024 Q3
8/29/2024-PLN1.33PLN6.96 BPLN-2024 Q2
5/21/2024-PLN1.43PLN6.80 BPLN-2024 Q1

EESG©

Eulerpool ESG Scorecard© for the Powszechny Zaklad Ubezpieczen stock

91/100
96
Environment
99
Social
77
Governance
E

Environment

Scope 1 - Direct Emissions26,817
Scope 2 - Indirect emissions from purchased energy107,775
Scope 3 - Indirect emissions within the value chain19,475
Total CO₂ emissions134,592
CO₂ reduction strategy
Coal energy
Nuclear power
Animal experiments
Fur & Leather
Pesticides
Palm Oil
Tobacco
Genetically modified organisms
Climate concept
Sustainable forestry
Recycling regulations
Environmentally friendly packaging
Hazardous substances
Fuel consumption and efficiency
Water consumption and efficiency
S

Social

Percentage of female employees65.596
Percentage of women in management
Percentage of Asian employees
Share of Asian management
Percentage of Hispanic/Latino employees
Hispano/Latino Management share
Percentage of Black employees
Black Management Share
Percentage of white employees
White Management Share
Adult content
Alcohol
Weapons
Firearms
Gambling
Military contracts
Human rights concept
Privacy concept
Occupational health and safety
Catholic
G

Governance (Corporate Governance)

Environmental reporting
Stakeholder Engagement
Call Back Policies
Antitrust law

The Eulerpool ESG Scorecard© is the strictly copyrighted intellectual property of Eulerpool Research Systems. Any unauthorized use, imitation, or infringement will be actively pursued and may lead to significant legal consequences. For licenses, collaborations, or usage rights, please contact us directly via our contact form. Contact Form to us.

Powszechny Zaklad Ubezpieczen shareholder structure

% Name
34.19406%
State Treasury of the Republic of Poland
State Treasury of the Republic of Poland
5.02218%
BlackRock Institutional Trust Company, N.A.
BlackRock Institutional Trust Company, N.A.
2.29096%
The Vanguard Group, Inc.
The Vanguard Group, Inc.
0.87131%
Schroder Investment Management Ltd. (SIM)
Schroder Investment Management Ltd. (SIM)
0.69166%
BlackRock Advisors (UK) Limited
BlackRock Advisors (UK) Limited
0.56252%
BlackRock Asset Management North Asia Limited
BlackRock Asset Management North Asia Limited
...

Powszechny Zaklad Ubezpieczen Beneficial Ownership Filings (SEC 13D/G)

Free Float
65.8%
Float Shares
568.19 M
Shares Outstanding
863.35 M

Powszechny Zaklad Ubezpieczen Executives and Management Board

18 members · avg. age 61 · 28 % women

Management

BB

Mr. Bogdan Benczak

President of the Management Board

PW

Mr. Piotr Wisniewski

Investor Relations

Board of Directors

AE

Ms. Anita Elzanowska

Member of the Supervisory Board · since 2024

190.19 M PLN
TK

Mr. Tomasz Kulik

Member of the Management Board

1.74 M PLN
EH

Ms. Elzbieta Hauser-Schoneich

Member of the Management Board

1.06 M PLN
BG

Mr. Bartosz Grzeskowiak

Member of the Management Board

972,000.00 PLN
JZ

Mr. Jan Zimowicz

Member of the Management Board

972,000.00 PLN
MK

Mr. Marcin Kubicza

Independent Chairman of the Supervisory Board · since 2023

282,000.00 PLN

Frequently asked questions about Powszechny Zaklad Ubezpieczen

The business model of Powszechny Zakład Ubezpieczeń SA (PZU) is centered around providing insurance services to individuals and businesses in Poland. As the leading insurance company in the country, PZU offers a wide range of products including life insurance, property insurance, health insurance, and pension plans. PZU operates through multiple distribution channels such as agents, brokers, and direct sales, ensuring accessibility for customers. By leveraging its extensive network and expertise, PZU aims to deliver reliable financial protection and innovative solutions tailored to meet the diverse needs of its clients.

Powszechny Zaklad Ubezpieczen SA, commonly known as PZU, is primarily active in the insurance industry. PZU is one of the largest insurance companies in Poland and offers a wide range of insurance products and services to individuals and businesses. With its strong market presence and extensive network, PZU operates in various insurance sectors, including life insurance, property and casualty insurance, health insurance, and pension insurance. PZU's commitment to providing reliable and comprehensive insurance solutions has established its reputation as a leading player in the insurance market in Poland.

The main competitors of Powszechny Zaklad Ubezpieczen SA in the market include other major insurance companies such as Allianz, AXA, and Generali. These companies compete with Powszechny Zaklad Ubezpieczen SA in various insurance sectors, including life insurance, property insurance, and general insurance. With its strong presence in the market, Powszechny Zaklad Ubezpieczen SA aims to differentiate itself through its range of products, quality customer service, and a trusted reputation.

Powszechny Zakład Ubezpieczeń S.A. (PZU) is a leading insurance company in Poland. Founded in 1803, PZU has a rich history and a strong presence in the market. It is a key player in the insurance industry, offering a wide range of products and services including life insurance, property insurance, and health insurance. PZU has grown over the years through strategic acquisitions and mergers, expanding its customer base and enhancing its market position. With its strong financial performance and commitment to customer satisfaction, PZU continues to be a trusted and reliable insurance provider in Poland.

Powszechny Zakład Ubezpieczeń SA has achieved several significant milestones throughout its history. One notable milestone was the company's listing on the Warsaw Stock Exchange in 2007, which solidified its position as a prominent player in the insurance industry in Poland. Another milestone was the acquisition of Warta Insurance Group in 2011, enabling Powszechny Zakład Ubezpieczeń SA to expand its market share and portfolio. Additionally, the company has consistently delivered strong financial results, showcasing its ability to generate sustainable growth and profitability. PZU's commitment to customer satisfaction and innovative product offerings has also contributed to its success as a leading insurance provider in Poland.

Powszechny Zaklad Ubezpieczen SA, commonly known as PZU, is primarily present in Poland. As the largest insurance company in the country, PZU offers a comprehensive range of insurance products and services to both individual and corporate customers. With a strong market position and a wide network of branches, PZU dominates the insurance industry within Poland. While PZU focuses primarily on the Polish market, it also has a presence in other Central and Eastern European countries, including Lithuania, Latvia, Estonia, Ukraine, and Belarus.

Powszechny Zakład Ubezpieczeń SA represents values and a corporate philosophy centered around trust, security, and reliability. As a leading insurance company in Poland, PZU aims to provide comprehensive and innovative insurance solutions to individuals and businesses. PZU's philosophy revolves around responsible business practices, customer-centricity, and sustainable development. The company prioritizes building long-term relationships with its policyholders by offering quality services and products tailored to their needs. Powszechny Zakład Ubezpieczeń SA strives to instill confidence and peace of mind in its customers, making them feel protected and supported in every aspect of their lives.

Analysts currently set an average price target of 69.07 PLN for the Powszechny Zaklad Ubezpieczen stock (median: 70.38 PLN), implying -4.8 % versus the latest price. The consensus is based on 14 analyst ratings.

14 analysts currently rate the Powszechny Zaklad Ubezpieczen stock: 8 recommend buying, 5 holding and 1 selling. For 2026, analysts expect Powszechny Zaklad Ubezpieczen to generate revenue of 31.94 B PLN and earnings per share of 7.11 PLN.

Converted at the current exchange rate, the Powszechny Zaklad Ubezpieczen share trades at 16.60 EUR (72.44 PLN).

The Powszechny Zaklad Ubezpieczen share (PZU.WA) is listed on 8 stock exchanges, including: London (0MYY.L), SIX (Zürich) (7PZ.SW), Frankfurt (7PZ.F), München (7PZ.MU), Düsseldorf (7PZ.DU).

Powszechny Zaklad Ubezpieczen SA (PZU) is one of Poland's largest insurance companies based in Warsaw. The company was founded in 1803 and offers a wide range of insurance products and services to protect and meet the needs of its customers. PZU operates in various business areas including life insurance, property insurance, pension funds, health insurance, and banking. In the life insurance sector, PZU offers a variety of insurance options including capital insurance, risk insurance, and retirement insurance. These products are designed to secure the lives and future plans of customers. PZU's property insurance sector provides customers with insurance for households, motor vehicles, property, accidents, and hospital treatments. These provide protection against unexpected events such as theft, accidents, or natural disasters. PZU also offers pension funds to ensure customers are financially secure in retirement. There are various pension fund options depending on the customer's needs. PZU's health insurance sector offers a wide range of policies including basic insurance as well as supplementary insurance for dentists, rehabilitation, and other services. As a bank, PZU also operates in the financial services sector including deposits, loans, and mortgages. With its wide range of financial products, PZU is specifically tailored to the needs of its customers and can offer services to both private and business customers. PZU focuses on a balanced customer base by targeting large organizations as well as small and medium-sized businesses and individuals. PZU also offers specialized products to meet the needs of farmers and other self-employed individuals. PZU's products and services are offered by an experienced customer service team via phone, email, or directly in PZU service centers. The company also relies on innovative technologies and offers customers the ability to manage their accounts online, making access to information and conducting transactions easier. As a company, PZU values long-term relationships, and therefore insurance contracts with a duration of up to 30 years are possible. PZU also has a very good credit rating with international rating agencies such as Standard and Poor's or Moody's. Overall, PZU's business model is focused on offering its customers a wide range of insurance products and services to meet their increasing needs in different life situations. PZU has a solid financial foundation and a dedicated customer service team that ensures customers are optimally protected and enjoy satisfaction.

The expected revenue of Powszechny Zaklad Ubezpieczen is 31.94 B PLN. This figure is based on current financial data and reflects the company's business performance.

The expected profit of Powszechny Zaklad Ubezpieczen is 6.14 B PLN. The net profit reflects the company's profitability after deducting all expenses.

The price-to-earnings ratio (P/E) of Powszechny Zaklad Ubezpieczen is currently 10.18. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Powszechny Zaklad Ubezpieczen stock.

The price-to-sales ratio (P/S) of Powszechny Zaklad Ubezpieczen is currently 1.96. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Powszechny Zaklad Ubezpieczen stock.

The Eulerpool Quality Score for Powszechny Zaklad Ubezpieczen is 8/10.

The ISIN of Powszechny Zaklad Ubezpieczen is PLPZU0000011. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.

The WKN of Powszechny Zaklad Ubezpieczen is A0YCYA. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.

The ticker of Powszechny Zaklad Ubezpieczen is PZU.WA. The ticker symbol is used to trade Powszechny Zaklad Ubezpieczen shares on the stock exchange.

Over the past 12 months, Powszechny Zaklad Ubezpieczen paid a dividend of 4.47 PLN . This corresponds to a dividend yield of about 6.17 %. For the coming 12 months, Powszechny Zaklad Ubezpieczen is expected to pay a dividend of 5.39 PLN.

The current dividend yield of Powszechny Zaklad Ubezpieczen is 6.17 %.

Powszechny Zaklad Ubezpieczen pays a dividend, distributed in the months of September.

Powszechny Zaklad Ubezpieczen paid dividends every year for the past 5 years.

For the upcoming 12 months, dividends amounting to 5.39 PLN are expected. This corresponds to a dividend yield of 7.43 %.

Powszechny Zaklad Ubezpieczen is assigned to the 'Finance' sector.

To receive the latest dividend of Powszechny Zaklad Ubezpieczen from 10/16/2025 amounting to 4.47 PLN, you needed to have the stock in your portfolio before the ex-date on 9/24/2025.

The last dividend was paid out on 10/16/2025.

In the year 2025, Powszechny Zaklad Ubezpieczen distributed 4.47 PLN as dividends.

The dividends of Powszechny Zaklad Ubezpieczen are distributed in PLN.

Fair ValuePRO
72.54 PLN
Over-/UndervaluationPRO
Fairly valued
Sector
Industry
Insurance
Number of shares
Employees
Revenue per Employee
1.64 M PLN
Revenue growth Ø5 years
EBIT growth Ø5 years
Net Income growth Ø5 years
Website pzu.pl
Country
Poland
Currency
PLN
Initial public offering
May 12, 2010
ISIN
PLPZU0000011
Cusip
X6919T107
Sedol
B63DG21
Market capitalization
62.63 B PLNLarge Cap
52-Week Range
54.0477.02PLN
Revenue growth (10Y) > 5%
Revenue growth (3Y) > 5 %
EBIT growth (10Y) > 5%
EBIT growth (3Y) > 5 %
Net debt < 4x EBIT
Profitable since 10Y+
EBIT Drawdown (10Y) < 50%
Return on Equity (ROE) > 15%
ROCE > 15%
Return Expectation > 10%
PEG
6.40
P/E ratio
P/Ee 2026
10.20
P/Ee 2027
9.62
P/Ee 2028
9.20
P/Ee 2029
9.72
P/Ee 2030
9.48
P/S
P/Se
1.96
EV/EBIT
2.40
P/B Ratio
1.77
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
18.89 %
Gross Margin
62.60 %
EBIT Margin
39.14 %
Net Margin
10.04 %
EPS (Earnings Per Share)
7.76 PLN
Net Debt / EBIT
Debt/Equity
11.44
Dividend
Dividend yield
6.16 %
Est. Dividend Yield
6.77 %
Payout Ratio
57.62 %
Dividend growth Ø5Y
5.01 %
Dividend payments per year
2
Dividend paid since
5 years
Dividend not reduced since
3 years
Dividend increased since
3 years
Dividend withholding tax
19.00 %
Last updated Sep 20, 2026, 3:57 PM

Powszechny Zaklad Ubezpieczen Peer Group

Powszechny Zaklad Ubezpieczen Ticker

DÜSSELDORF · 7PZ.DUFRANKFURT · 7PZ.FLONDON · 0MYY.LMUNICH · 7PZ.MUOTC · PWZYFSIX · 7PZ.SWWARSAW · PZU.WAWSE · PZU.WA

Powszechny Zaklad Ubezpieczen FIGI

PZU:PW · BBG000BTY1D9PZU:EO · BBG000QBDWV7PZU:XL · BBG000QBDZR5PZU:XO · BBG000QBF0F3PZU:XS · BBG000QBF1L4PZU:E1 · BBG000QBF1T6PZU:XT · BBG000QBF2B3PZU:XW · BBG000QBF303PZU:EU · BBG000QBF3P6PZUUSD:EO · BBG000QBWX71PZUUSD:E1 · BBG000QBX2S5PZUUSD:XT · BBG000QBX3D9