ScoreWhy is Powszechny Zaklad Ubezpieczen SA ?
1
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%
2
Poor long term growth as Operating profit has grown by an annual rate of 0%
3
Positive results in Sep 25
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
- NET SALES(Q) Highest at PLN 16,862 MM
- OPERATING PROFIT(Q) Highest at PLN 6,950 MM
4
With ROE of 38.24%, it has a fair valuation with a 1.47 Price to Book Value
- The stock is trading at a discount compared to its peers' average historical valuations
- Over the past year, while the stock has generated a return of 7.41%, its profits have fallen by -2%
5
Underperformed the market in the last 1 year
- The stock has generated a return of 7.41% in the last 1 year, much lower than market (Poland WIG) returns of 27.62%
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Powszechny Zaklad Ubezpieczen SA should be less than 10%
- Overall Portfolio exposure to Insurance should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Insurance)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Powszechny Zaklad Ubezpieczen SA for you?
Low Risk, Medium Return
Absolute
Risk Adjusted
Volatility
Powszechny Zaklad Ubezpieczen SA
7.41%
1.21
25.91%
Poland WIG
27.62%
1.38
19.95%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
9.50%
EBIT Growth (5y)
0
EBIT to Interest (avg)
-0.12
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0.07%
ROCE (avg)
0.19%
ROE (avg)
31.66%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
4
Industry P/E
Price to Book Value
1.47
EV to EBIT
NA
EV to EBITDA
36.87
EV to Capital Employed
1.38
EV to Sales
0.86
PEG Ratio
NA
Dividend Yield
81.93%
ROCE (Latest)
ROE (Latest)
38.24%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Mildly Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Bullish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
No Trend
Mildly Bearish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend7What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
NET SALES(Q)
Highest at PLN 16,862 MM
OPERATING PROFIT(Q)
Highest at PLN 6,950 MM
OPERATING PROFIT MARGIN(Q)
Highest at 41.22 %
PRE-TAX PROFIT(Q)
Highest at PLN 5,205 MM
NET PROFIT(Q)
Highest at PLN 2,061.46 MM
EPS(Q)
Highest at PLN 2.31
-1What is not working for the Company
DEBT-EQUITY RATIO
(HY)
Highest at 57.01 %
Here's what is working for Powszechny Zaklad Ubezpieczen SA
Net Sales
Highest at PLN 16,862 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (PLN MM)
Operating Profit
Highest at PLN 6,950 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PLN MM)
Operating Profit Margin
Highest at 41.22 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at PLN 5,205 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (PLN MM)
Net Profit
Highest at PLN 2,061.46 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (PLN MM)
EPS
Highest at PLN 2.31
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (PLN)
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
Here's what is not working for Powszechny Zaklad Ubezpieczen SA
Debt-Equity Ratio
Highest at 57.01 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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