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 Mar 25
- RAW MATERIAL COST(Y) Fallen by 0% (YoY)
- OPERATING PROFIT(Q) Highest at PLN 6,727 MM
- OPERATING PROFIT MARGIN(Q) Highest at 40.79 %
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 41.20%, its profits have fallen by -2%
5
Market Beating performance in long term as well as near term
- Along with generating 41.20% returns in the last 1 year, the stock has outperformed Poland WIG in the last 3 years, 1 year and 3 months
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
40.75%
1.36
25.83%
Poland WIG
39.24%
1.84
20.48%
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
Bullish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Bullish
Bullish
Moving Averages
Mildly Bearish (Daily)
KST
Mildly Bullish
Bullish
Dow Theory
Mildly Bullish
Mildly Bullish
OBV
Mildly Bullish
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend4What is working for the Company
RAW MATERIAL COST(Y)
Fallen by 0% (YoY
OPERATING PROFIT(Q)
Highest at PLN 6,727 MM
OPERATING PROFIT MARGIN(Q)
Highest at 40.79 %
EPS(Q)
Highest at PLN 2.04
-2What is not working for the Company
INTEREST(Q)
At PLN 2,010 MM has Grown at 14.73%
Here's what is working for Powszechny Zaklad Ubezpieczen SA
Operating Profit
Highest at PLN 6,727 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (PLN MM)
Operating Profit Margin
Highest at 40.79 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
EPS
Highest at PLN 2.04
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
Interest
At PLN 2,010 MM has Grown at 14.73%
period on period (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (PLN MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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