Powszechny Zaklad Ubezpieczen SA (PZU) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Powszechny Zaklad Ubezpieczen SA

Why is Powszechny Zaklad Ubezpieczen SA ?

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%

Flat results in Mar 26

OPERATING CASH FLOW(Y) Lowest at PLN 17,760 MM
ROCE(HY) Lowest at 17.77%
DEBT-EQUITY RATIO (HY) Highest at 70.99 %

Underperformed the market in the last 1 year

The stock has generated a return of 5.45% in the last 1 year, much lower than market (Poland WIG) returns of 29.94%

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Powszechny Zaklad Ubezpieczen SA for you?

Low Risk, Medium Return

Absolute

Risk Adjusted

Volatility

Powszechny Zaklad Ubezpieczen SA

4.16%

1.51

23.35%

Poland WIG

29.57%

1.74

17.24%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

11.20%

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

61.86%

Pledged Shares

Institutional Holding

0.14%

ROCE (avg)

0.19%

ROE (avg)

31.66%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.53

EV to EBIT

EV to EBITDA

50.66

EV to Capital Employed

1.34

EV to Sales

1.15

PEG Ratio

0.12

Dividend Yield

68.35%

ROCE (Latest)

ROE (Latest)

37.94%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Bullish

Mildly Bearish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bullish

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

Mildly Bullish

Mildly Bearish

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

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

4What is working for the Company

INTEREST COVERAGE RATIO(Q)

Highest at 18.81

RAW MATERIAL COST(Y)

Fallen by 0% (YoY

-11What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at PLN 17,760 MM

ROCE(HY)

Lowest at 17.77%

DEBT-EQUITY RATIO (HY)

Highest at 70.99 %

NET SALES(Q)

Lowest at PLN 16,303 MM

OPERATING PROFIT(Q)

Lowest at PLN 5,245 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 32.17 %

PRE-TAX PROFIT(Q)

Lowest at PLN 3,851 MM

NET PROFIT(Q)

Lowest at PLN 1,436.04 MM

EPS(Q)

Lowest at PLN 1.58

Here's what is working for Powszechny Zaklad Ubezpieczen SA

Interest Coverage Ratio

Highest at 18.81 and Grown

In each period in the last five periods

MOJO Watch

The company's ability to manage interest payments is improving

Operating Profit to Interest

Raw Material Cost

Fallen by 0% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin

Raw Material Cost as a percentage of Sales

Depreciation

Highest at PLN 296 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (PLN MM)

Here's what is not working for Powszechny Zaklad Ubezpieczen SA

Operating Cash Flow

Lowest at PLN 17,760 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (PLN MM)

Net Sales

Lowest at PLN 16,303 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (PLN MM)

Operating Profit

Lowest at PLN 5,245 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (PLN MM)

Operating Profit Margin

Lowest at 32.17 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at PLN 3,851 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (PLN MM)

Net Profit

Lowest at PLN 1,436.04 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (PLN MM)

EPS

Lowest at PLN 1.58

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (PLN)

Debt-Equity Ratio

Highest at 70.99 %

in the last five Semi-Annual periods

MOJO Watch

The company is borrowing more to fund its operations; it's liquidity situation may be stressed

Debt-Equity Ratio