PZU.WA
Company Description
POWSZECHNY Zaklad Ubezpieczen SA provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine. It operates through Corporate Insurance, Mass Insurance, Group and Individually Continued Insurance, Individual Insurance, Investments, Banking Activity, Pension Insurance, Baltic States, Ukraine, Investment Contracts, and Other segments. The company offers motor, property, casualty, agricultural, fire, and third-party liability insurance, as well as accident and life insurance. It also provides banking, medical, hospital, physical therapy, assistance, and spa services; manages pension and mutual funds; and offers financial and accounting services. In addition, the company is involved in buying, operating, renting, and selling real estate properties; investment activity; and consulting and training, and other monetary intermediation businesses. Further, it engages in the production and sale of radiators and sanitary fittings, bathroom accessories, and fittings; and auxiliary activity associated with insurance and pension funds. Powszechny Zaklad Ubezpieczen SA was founded in 1803 and is based in Warsaw, Poland.
Track Record
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 66.72B | 55.37B | 54.48B | 41.72B | 40.84B | 40.23B | 41.93B | 39.26B | 34.39B | 23.80B | 20.20B | 19.77B |
| Net Income | 6.70B | 5.34B | 5.78B | 3.78B | 3.34B | 1.91B | 3.29B | 3.21B | 2.90B | 1.94B | 2.34B | 2.97B |
| EPS | 7.76 | 6.19 | 6.68 | 6.09 | 6.29 | 2.21 | 6.01 | 3.72 | 3.35 | 2.24 | 2.71 | 3.44 |
| Free Cash Flow | 18.45B | 30.50B | 26.75B | 20.66B | 6.16B | 27.32B | 145.00M | (421.00M) | 14.84B | 3.54B | N/A | N/A |
| FCF / Share | 21.37 | 35.33 | 30.98 | 23.93 | 7.13 | 31.64 | 0.17 | -0.49 | 17.19 | 4.10 | N/A | N/A |
| Operating CF | 19.96B | 28.34B | 28.04B | 21.69B | 7.41B | 28.58B | 1.05B | 403.00M | 15.42B | 4.24B | N/A | N/A |
| Total Assets | 535.48B | 503.26B | 467.89B | 436.12B | 402.13B | 378.97B | 343.34B | 328.55B | 317.40B | 125.34B | N/A | N/A |
| Total Debt | 40.76B | 34.52B | 25.51B | 24.06B | 17.96B | 25.03B | 23.68B | 23.76B | 20.31B | 8.90B | N/A | N/A |
| Cash & Equiv | 16.23B | 15.13B | 8.58B | 7.04B | 6.97B | 6.84B | 5.13B | 6.56B | 5.72B | 5.24B | N/A | N/A |
| Book Value | 35.47B | 32.11B | 30.02B | 17.49B | 17.08B | 18.78B | 16.17B | 14.93B | 14.62B | 13.01B | N/A | N/A |
| Return on Equity | 0.19 | 0.17 | 0.19 | 0.22 | 0.20 | 0.10 | 0.20 | 0.22 | 0.20 | 0.15 | N/A | N/A |
| Metric | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 16.30B | 17.11B | 16.86B | 14.20B | 13.91B | 14.60B | 14.09B | 13.15B | 13.29B | 16.75B | 13.44B | 13.40B |
| Net Income | 1.36B | 1.47B | 2.00B | 1.47B | 1.76B | 1.68B | 1.22B | 1.19B | 1.25B | 1.61B | 1.48B | 1.53B |
| EPS | 1.58 | 1.71 | 2.31 | 1.70 | 2.04 | 1.95 | 1.41 | 1.38 | 1.45 | 1.86 | 1.69 | 1.79 |
| Free Cash Flow | 3.80B | 15.48B | (9.67B) | 5.29B | 5.36B | 10.64B | 6.70B | 5.96B | 5.52B | (8.90B) | 18.28B | 345.00M |
| FCF / Share | 4.40 | 17.93 | -11.21 | 6.12 | 6.21 | 12.32 | 7.76 | 6.90 | 6.39 | -10.30 | 21.17 | 0.40 |
| Operating CF | 4.14B | 16.14B | (9.32B) | 5.51B | 5.63B | 11.13B | 7.24B | 6.21B | 5.76B | (8.44B) | 18.60B | 628.00M |
| Total Assets | 543.43B | 535.48B | 519.46B | 520.07B | 507.93B | 503.26B | 493.70B | 482.27B | 479.13B | 467.89B | 466.38B | 441.53B |
| Total Debt | 41.56B | 40.76B | 38.80B | 30.81B | 28.44B | 34.52B | 31.45B | 27.88B | 30.17B | 29.25B | 24.52B | 22.29B |
| Cash & Equiv | 15.38B | 16.23B | 17.81B | 23.03B | 22.14B | 15.13B | 23.93B | 18.44B | 19.82B | 17.70B | 15.01B | 14.15B |
| Book Value | 36.87B | 35.47B | 33.95B | 31.96B | 34.05B | 32.11B | 30.33B | 28.97B | 31.31B | 30.02B | 28.68B | 26.79B |
| Return on Equity | 0.04 | 0.04 | 0.06 | 0.05 | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 | 0.05 | 0.05 | 0.06 |