PZU Share Price | Powszechny Zaklad Ubezpieczen SA Stock Analysis & Recommendation

Price Point

High/Low

1Day

52 Week

Valuation

Technical

Day's Volume

CASH

1.13 M

Shareholding (Mar 2016)

FII

0.07%

Held by 2 FIIs

DII

99.93%

Held by 0 DIIs

Promoter

0.00%

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Dashboard

Weak Long Term Fundamental Strength with an average Return on Equity (ROE) of 31.66%

Poor long term growth as Operating profit has grown by an annual rate of 0%

Poor long term growth as Operating profit has grown by an annual rate of 0%

Positive results in Sep 25

With ROE of 38.24%, it has a fair valuation with a 1.47 Price to Book Value

Underperformed the market in the last 1 year

Mojo Parameters

Stock DNA

Industry

Insurance

Market cap

PLN 59,669 Million (Large Cap)

P/E

4.00

Industry P/E

Dividend Yield

64.69%

Debt Equity

-999,999.00

Return on Equity

36.00%

Price to Book

1.76

Revenue and Profits:

Net Sales:

(Quarterly Results - Dec 2025)

Net Profit:

3,407 Million

Total Returns

Total Returns (Price + Dividend)

TimePeriod

Price Return

Dividend Return

Total Return

3 Months

17.77%

6 Months

36.69%

1 Year

31.37%

2 Years

54.98%

3 Years

115.99%

4 Years

64.5%

5 Years

106.78%

Powszechny Zaklad Ubezpieczen SA for the last several years.

Risk Adjusted Returns v/s

News & Corporate Actions

News

No Recent News for the Company

Announcements

No announcement available

Corporate Actions

No corporate action available

Key Factors

Quality key factors

Factor

Value

Sales Growth (5y)

9.50%

EBIT Growth (5y)

EBIT to Interest (avg)

-0.12

Debt to EBITDA (avg)

Negative Net Debt

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

Pledged Shares

Institutional Holding

0.07%

ROCE (avg)

0.19%

ROE (avg)

31.66%

Valuation key factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.47

EV to EBIT

EV to EBITDA

36.87

EV to Capital Employed

1.38

EV to Sales

0.86

PEG Ratio

Dividend Yield

81.93%

ROCE (Latest)

ROE (Latest)

38.24%

Technicals key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Mildly Bearish

Mildly Bullish

Moving Averages

Mildly Bullish (Daily)

KST

Mildly Bearish

Bullish

Dow Theory

Mildly Bearish

OBV

No Trend

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Shareholding

Shareholding Snapshot : Mar 2016

Shareholding Compare (%holding)

Majority shareholders

Foreign Institutions

Domestic Funds

Held in 0 Schemes (0%)

Foreign Institutions

Held by 2 Foreign Institutions (0.07%)

Strategic Entities with highest holding

Highest Public shareholder

Financial

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  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Dec 2024",
        "dir": 0
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in quarter ended Dec 2025 is -0.21% vs 2.22% in Dec 2024",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
          "chgp_class": "neutral"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "290.00",
          "val2": "438.00",
          "chgp": "-33.79%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "1,613.00",
          "val2": "1,752.00",
          "chgp": "-7.93%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "-474.00",
          "val2": "-385.00",
          "chgp": "-23.12%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "3,407.00",
          "val2": "3,414.00",
          "chgp": "-0.21%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "361.00%",
          "val2": "376.20%",
          "chgp": "-1.52%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'25",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2025 is 0.00% vs 0.00% in Dec 2024",
        "dir": 0
      },
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        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2025 is 14.45% vs -2.38% in Dec 2024",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'25",
        "Dec'24",
        "Change(%)"
      ],
      "body": [
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          "field": "Net Sales",
          "val1": "0.00",
          "val2": "0.00",
          "chgp": "",
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        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "1,517.00",
          "val2": "1,499.00",
          "chgp": "1.20%",
          "chgp_class": "positive"
        },
        {
          "field": "Interest",
          "val1": "7,415.00",
          "val2": "8,243.00",
          "chgp": "-10.04%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "-1,166.00",
          "val2": "-996.00",
          "chgp": "-17.07%",
          "chgp_class": "negative"
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        {
          "field": "Consolidate Net Profit",
          "val1": "13,987.00",
          "val2": "12,221.00",
          "chgp": "14.45%",
          "chgp_class": "positive"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "395.10%",
          "val2": "382.40%",
          "chgp": "1.27%",
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Quarterly Results Snapshot (Consolidated) - Dec'25 - YoY

Dec'25

Dec'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

290.00

438.00

-33.79%

Interest

1,613.00

1,752.00

-7.93%

Exceptional Items

-474.00

-385.00

-23.12%

Consolidate Net Profit

3,407.00

3,414.00

-0.21%

Operating Profit Margin (Excl OI)

361.00%

376.20%

-1.52%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in quarter ended Dec 2025 is 0.00% vs 0.00% in Dec 2024

Consolidated Net Profit

YoY Growth in quarter ended Dec 2025 is -0.21% vs 2.22% in Dec 2024

All Quarterly Results

Annual Results Snapshot (Consolidated) - Dec'25

Dec'25

Dec'24

Change(%)

Net Sales

0.00

Operating Profit (PBDIT) excl Other Income

1,517.00

1,499.00

1.20%

Interest

7,415.00

8,243.00

-10.04%

Exceptional Items

-1,166.00

-996.00

-17.07%

Consolidate Net Profit

13,987.00

12,221.00

14.45%

Operating Profit Margin (Excl OI)

395.10%

382.40%

1.27%

USD in Million.

Compare with Peers

Net Sales

YoY Growth in year ended Dec 2025 is 0.00% vs 0.00% in Dec 2024

Consolidated Net Profit

YoY Growth in year ended Dec 2025 is 14.45% vs -2.38% in Dec 2024

All Annual Results

Company CV

About Powszechny Zaklad Ubezpieczen SA

Powszechny Zaklad Ubezpieczen SA

Insurance

Powszechny Zaklad Ubezpieczen SA (PZU SA) is a Poland-based joint stock company operating in the sectors of property and casualty insurance. PZU SA is the parent company for numerous entities comprising the PZU Group. The Company provides property and casualty insurance in terms of gross written premiums, with motor insurance for retail and corporate customers as its principal product. PZU Zycie provides life insurance in terms of gross written premiums with group and individual life insurance as its principal products. PTE PZU manages OFE PZU Zlota Jesien, an open pension fund. TFI PZU offers participation units in open investment funds, including specialized open funds; investment certificates in closed investment fund; investment plans; and pension schemes, including Employee Pension Schemes and Individual Pension Accounts. On September 15, 2014, the Company acquired 100% stake in Link4.

Company Coordinates

Company Details

Al. Jana Pawla II 24 , WARSZAWA None : 00-133

Tel: 48 22 582200048 22 5822623

https://www.pzu.pl/

Registrar Details