Powszechny Zaklad Ubezpieczen SA

Powszechny Zaklad Ubezpieczen SA

PZU · WAR · Financial Services / Insurance - Property & Casualty

73.62PLN+0.42 (+0.57%)

Price History

Full chart

Market Stats

Previous Close73.2
Open73.1
Day Range72.66 – 73.98
52-Week Range50.56 – 74.44
Volume1.87M
Market Cap61.66B
P/E (TTM)9.51
Forward P/E16.95
EPS7.51
Dividend Yield6.87%
Beta0.29
50-Day Avg73.07
200-Day Avg68.39

About

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 Insurance and Individually Continued Insurance; Individual Insurance; Life Investment Insurance; Investments; Banking; Pension Insurance; Baltic Countries; Ukraine; and Investment Contracts segments. The company offers motor, property, casualty, agricultural, fire, and third-party liability insurance, as well as health and accident insurance. It also provides banking, asset management, brokerage, investment and transaction advisory, finance leasing, and factoring; and transfer agent, call center, business consulting, IT, venture capital fund management, medical, training, assistance, data center, printing, human resources and payroll, and financial and accounting services, as well as manages pension and mutual funds. In addition, the company is involved in buying, operating, leasing, and selling real estate; property management; rental of office and commercial space; investment activities; and investment of free funds and development activity in the construction of commercial real estate. Further, it engages in the manufacture and sale of bathroom and kitchen taps, aluminum central heating radiators, shower cabins, valves, and screens; and auxiliary activities associated with insurance and pension funds. Powszechny Zaklad Ubezpieczen SA was founded in 1803 and is headquartered in Warsaw, Poland.

Company Details

  • SectorFinancial Services
  • IndustryInsurance - Property & Casualty
  • CEOMr. Tomasz Tarkowski
  • Employees31.54K
  • HeadquartersRondo Ignacego Daszynskiego 4, Warsaw, Poland, 00-843, Poland
  • Websitehttps://www.pzu.pl

Leadership

  • Mr. Tomasz TarkowskiActing CEO & Member of the Management Board
  • Mr. Bogdan BenczakPresident of the Management Board
  • Mr. Tomasz Pawel Kulik A.C.A.Member of the Management Board
  • Ms. Elzbieta Hauser-SchoneichMember of the Management Board
  • Mr. Jan ZimowiczMember of the Management Board
  • Mr. Maciej FedynaMember of the Management Board
  • Ms. Anna MachnikowskaSecretary of the Supervisory Board & Independent Member of the Supervisory Board
  • Mr. Bartosz GrzeskowiakMember of Management Board
  • Ms. Magdalena Komaracka C.F.A.Director of Management Consolidation & IR

Financials

Income Statement

Line item2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue7.37B8.29B9.94B9.54B17.04B16.82B17.17B17.23B20.20B19.43B19.77B20.20B23.80B34.39B39.26B41.93B40.23B40.84B41.72B54.48B55.37B66.72B
Cost of Revenue-------1.45B1.53B1.59B1.69B1.75B2.35B2.90B3.31B3.61B3.62B3.90B850.00M1.14B687.00M24.96B
Gross Profit7.37B8.29B9.94B9.54B17.04B16.82B17.17B15.78B18.67B17.84B18.08B18.45B21.45B31.49B35.95B38.31B36.61B36.94B40.87B53.34B54.68B41.77B
Operating Income2.63B3.99B4.62B4.47B2.93B4.57B3.03B2.91B4.04B4.12B3.69B2.94B2.99B5.47B7.09B7.08B4.06B7.45B8.14B16.14B15.71B17.84B
EBITDA2.63B3.99B4.62B4.47B2.93B4.60B3.09B3.19B4.29B4.33B4.05B3.42B4.10B7.75B10.30B10.52B6.52B9.22B14.23B26.42B25.45B26.77B
Net Income2.12B3.21B3.71B3.60B2.33B3.76B2.44B2.35B3.26B3.29B2.97B2.34B1.94B2.90B3.21B3.29B1.91B3.34B3.78B5.78B5.34B6.70B
Interest Expense-----35.94M58.65M159.38M127.95M104.20M147.28M117.00M697.00M1.39B2.11B2.15B1.14B423.00M4.77B8.89B8.24B7.42B

Balance Sheet

Line item2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets38.96B43.04B49.45B52.65B58.21B53.18B50.53B52.13B55.91B62.36B67.57B105.43B125.34B317.40B328.55B343.34B378.97B402.13B436.12B467.89B503.26B535.48B
Total Liabilities30.60B32.15B36.11B35.79B39.14B41.91B37.73B39.26B41.64B49.23B54.41B90.25B108.22B279.80B291.15B304.05B335.57B362.13B396.37B407.41B438.00B462.83B
Total Equity8.37B10.89B13.33B16.87B19.07B11.27B12.80B12.78B14.19B13.11B13.17B12.92B13.01B14.62B14.93B16.17B18.78B17.08B17.49B30.02B32.11B35.47B
Cash278.69M317.82M361.74M465.11M542.09M366.56M423.70M237.72M4.65B548.27M6.47B879.88M5.24B5.72B6.56B5.13B6.84B6.97B7.04B8.58B15.13B16.23B
Total Debt--------1.01B227.35M2.63B38.76B8.90B219.18B231.88B242.52B25.03B17.96B24.06B25.51B34.52B40.76B
Net Debt-278.69M-317.82M-361.74M-465.11M-542.09M-366.56M-423.70M-237.72M-3.65B-320.91M-3.84B6.61B3.66B14.59B17.20B18.54B18.18B10.99B17.02B16.93B19.40B24.53B

Cash Flow

Line item2004-12-312005-12-312006-12-312007-12-312008-12-312009-12-312010-12-312011-12-312012-12-312013-12-312014-12-312015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow1.52B1.37B2.89B2.06B4.52B-1.54B469.42M1.59B3.26B3.29B2.97B2.34B4.24B15.42B403.00M1.05B28.58B7.41B21.69B28.04B28.34B19.96B
Investing Cash Flow-1.22B147.61M-1.50B-1.96B-4.44B9.40B5.33B-288.69M421.39M-2.40B-1.75B4.85B-1.87B-12.03B9.17B-4.85B-27.63B1.85B-17.36B-24.13B-26.79B-15.56B
Financing Cash Flow-256.07M-1.48B-1.34B-346.00K-3.84M-8.03B-5.73B-1.49B-1.75B-19.58M-309.80M-4.03B-1.89B1.96B-800.00M-5.49B-981.00M-7.82B2.11B-1.92B-4.10B-3.17B
Capital Expenditure003.97M53.10M46.16M3.78B155.85M168.44M144.88M225.11M257.34M320.91M700.00M578.00M824.00M903.00M1.26B1.25B1.03B1.30B1.39B1.51B
Free Cash Flow1.52B1.37B2.88B2.01B4.47B-5.32B313.57M1.42B3.11B3.07B2.71B2.02B3.54B14.84B-421.00M145.00M27.32B6.16B20.66B26.75B30.50B18.45B
Dividends Paid256.07M1.48B1.34B--12.74B921.24M2.16B1.87B4.17B1.47B4.06B1.80B1.21B2.16B2.42B3.02B3.02B1.68B2.07B3.75B3.86B

Earnings

Report DateMay 17, 2010Aug 26, 2010Nov 15, 2010Mar 15, 2011Mar 31, 2011Aug 25, 2011Nov 8, 2011Mar 15, 2012May 15, 2012Aug 29, 2012Nov 14, 2012Mar 13, 2013May 15, 2013Aug 27, 2013Nov 14, 2013Mar 12, 2014May 14, 2014Aug 27, 2014Nov 13, 2014Mar 15, 2015May 13, 2015Aug 26, 2015Nov 10, 2015Mar 15, 2016May 12, 2016Aug 24, 2016Nov 10, 2016Mar 15, 2017May 16, 2017Aug 31, 2017Nov 15, 2017Mar 15, 2018May 16, 2018Aug 30, 2018Nov 15, 2018Mar 13, 2019May 13, 2019Aug 29, 2019Nov 14, 2019Mar 12, 2020May 29, 2020Sep 10, 2020Nov 19, 2020Mar 25, 2021May 27, 2021Aug 25, 2021Nov 17, 2021Mar 25, 2022May 19, 2022Aug 25, 2022Nov 24, 2022Mar 29, 2023May 25, 2023Aug 30, 2023Nov 23, 2023Mar 21, 2024May 21, 2024Aug 28, 2024Nov 21, 2024Mar 19, 2025May 15, 2025Aug 26, 2025Nov 20, 2025Feb 26, 2026May 13, 2026Aug 19, 2026Nov 19, 2026
EPS Estimate0.710.670.700.69--0.730.70-0.86--0.850.921.170.82-1.110.940.450.880.77-0.700.75---0.750.67-0.850.700.850.990.880.790.850.930.910.860.940.540.940.840.840.840.84-0.900.900.86-1.011.261.501.421.421.421.421.491.701.701.821.691.691.81
EPS Actual0.940.420.820.660.920.880.350.560.951.041.300.480.970.971.260.610.881.110.980.471.090.440.590.590.560.190.750.741.090.590.810.880.740.911.170.900.870.851.021.090.560.211.030.831.040.900.881.050.880.840.761.431.341.791.691.861.451.381.411.952.041.702.311.751.581.91-
Surprise32.39%-37.31%17.14%-4.35%---52.05%-20.00%-20.93%--14.12%5.43%7.69%-25.61%-0.00%4.26%4.44%23.86%-42.86%--15.71%-25.33%---45.33%-11.94%-3.53%5.71%7.06%18.18%2.27%10.13%0.00%9.68%19.78%-34.88%-77.66%90.74%-11.70%23.81%7.14%4.76%25.00%--6.67%-15.56%66.28%-77.23%34.13%24.00%2.58%-2.82%-0.70%37.72%36.91%0.00%35.88%-3.85%-6.51%13.02%-
TimingAfter-hoursAfter-hoursAfter-hoursAfter-hours--Pre-marketPre-market-Pre-market--After-hoursPre-marketAfter-hoursAfter-hours-After-hoursPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-market-Pre-marketAfter-hours-Pre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hours-After-hoursAfter-hoursAfter-hoursPre-market--After-hoursPre-marketAfter-hours-After-hoursPre-marketAfter-hours-Pre-market-After-hours-After-hoursAfter-hoursAfter-hoursPre-market

Key Statistics & Ratios

Market Cap61.66B
Enterprise Value78.60B
Trailing P/E9.51
Forward P/E16.95
PEG Ratio1.72
Price / Sales0.99
Price / Book1.84
EPS7.51
Book Value39.89
Revenue (TTM)62.38B
Gross Profit (TTM)36.71B
EBITDA25.28B
Profit Margin10.39%
Operating Margin39.12%
Return on Equity19.54%
Return on Assets2.83%
Shares Outstanding863.52M
Shares Float567.98M
Beta0.29
Dividend Yield6.87%
Dividend Rate4.8
Payout Ratio63.58%

Dividends

20261×
4.80Sep 16, 2026
20251×
4.47Sep 24, 2025
20241×
4.34Sep 16, 2024
20231×
2.40Sep 6, 2023
20221×
1.94Sep 28, 2022
20211×
3.50Sep 14, 2021
20191×
2.80Aug 13, 2019
20181×
2.50Sep 11, 2018
20171×
1.40Sep 28, 2017
20161×
2.08Sep 29, 2016
20151×
3.00Sep 29, 2015
20141×
1.70Sep 15, 2014
20132×
2.00Nov 7, 20132.97Aug 21, 2013
20121×
2.24Aug 28, 2012
20111×
2.60Sep 28, 2011
20101×
1.09Aug 23, 2010

Stock Splits

  • Nov 30, 201510:1