Powszechny Zaklad Ubezpieczen (PZU.WA) Stock Price

Powszechny Zaklad Ubezpieczen Price

GPW·CLOSED
72.32
​
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 6.18%. 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 2.7% below where the stock trades today. Of 14 analysts, 8 rate the stock a buy — an overall Buy consensus.

Powszechny Zaklad Ubezpieczen stock price

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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.

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 -4.5 % 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 31.45 B PLN and earnings per share of 7.11 PLN.

Converted at the current exchange rate, the Powszechny Zaklad Ubezpieczen share trades at 16.53 EUR (72.32 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 31.45 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 10.17. 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 1.99. 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.

Fair ValueTerminal
71.60 PLN
Over-/UndervaluationTerminal
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
62.44 B PLNLarge Cap
52-Week Range
PEG
6.31
P/E ratio
P/Ee 2026
10.17
P/Ee 2027
9.65
P/Ee 2028
9.13
P/Ee 2029
9.65
P/Ee 2030
9.45
P/S
P/Se
1.99
EV/EBIT
2.39
P/B Ratio
1.76
ROE (Return on Equity)
ROA (Return on Assets)
ROCE (Return on Capital Employed)
ROIC (Return on Invested Capital)
18.89 %
Dividend
Dividend yield
6.18 %
Est. Dividend Yield
6.79 %
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 Oct 23, 2026, 11:44 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