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XWARPZU
Market cap9.75bUSD
Dec 20, Last price  
46.10PLN
1D
-1.83%
1Q
11.00%
Jan 2017
38.81%
IPO
29.13%
Name

Powszechny Zaklad Ubezpieczen SA

Chart & Performance

D1W1MN
XWAR:PZU chart
P/E
6.90
P/S
0.72
EPS
6.68
Div Yield, %
5.21%
Shrs. gr., 5y
—
Rev. gr., 5y
7.03%
Revenues
55.13b
+11.43%
7,373,446,0008,291,536,0009,936,558,0009,536,734,00014,983,526,00016,823,409,0007,072,952,00017,438,433,00020,200,514,00019,407,936,00019,762,638,00020,200,162,00023,883,000,00033,249,000,00039,253,000,00041,907,000,00040,251,000,00040,834,000,00049,476,000,00055,130,000,000
Net income
5.77b
+9.64%
2,123,354,0003,214,792,0003,706,456,0003,600,445,0002,344,449,0003,762,911,0002,439,229,0002,345,424,0003,255,181,0003,293,654,0002,967,731,0002,342,355,0001,947,000,0002,910,000,0003,213,000,0005,185,000,0001,912,000,0005,434,000,0005,259,000,0005,766,000,000
CFO
28.04b
+29.28%
1,517,299,0001,373,165,0002,885,559,0002,061,129,0004,518,364,000-1,540,556,000469,423,0001,587,572,0003,255,181,0003,293,654,0002,967,731,0002,342,355,0004,237,000,00015,422,000,000403,000,0001,048,000,00028,579,000,0007,412,000,00021,690,000,00028,041,000,000
Dividend
Sep 16, 20244.34 PLN/sh
Earnings
Mar 19, 2025

Profile

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 and Individually Continued Insurance, Individual Insurance, Investments, Banking Activity, Pension Insurance, Baltic States, Ukraine, Investment Contracts, and Other segments. The company offers motor, property, casualty, agricultural, fire, and third-party liability insurance, as well as accident and life insurance. It also provides banking, medical, hospital, physical therapy, assistance, and spa services; manages pension and mutual funds; and offers financial and accounting services. In addition, the company is involved in buying, operating, renting, and selling real estate properties; investment activity; and consulting and training, and other monetary intermediation businesses. Further, it engages in the production and sale of radiators and sanitary fittings, bathroom accessories, and fittings; and auxiliary activity associated with insurance and pension funds. Powszechny Zaklad Ubezpieczen SA was founded in 1803 and is based in Warsaw, Poland.
URL
https://www.pzu.pl/
IPO date
May 12, 2010
Employees
38,279
Domiciled in
PL
Incorporated in
PL

Valuation

Title
PLN in thousands, except ratios and share amounts
FYFYFYFYFYFYFYFYFYFY
2023‑122022‑122021‑122020‑122019‑122018‑122017‑122016‑122015‑122014‑12
Income
Revenues
55,130,000
11.43%
49,476,000
21.16%
40,834,000
1.45%
Cost of revenue
234,000
2,186,000
1,773,000
Unusual Expense (Income)
NOPBT
54,896,000
47,290,000
39,061,000
NOPBT Margin
99.58%
95.58%
95.66%
Operating Taxes
3,625,000
2,346,000
2,020,000
Tax Rate
6.60%
4.96%
5.17%
NOPAT
51,271,000
44,944,000
37,041,000
Net income
5,766,000
9.64%
5,259,000
-3.22%
5,434,000
184.21%
Dividends
(2,072,000)
(1,675,000)
(3,022,000)
Dividend yield
5.08%
5.48%
9.90%
Proceeds from repurchase of equity
BB yield
Debt
Debt current
15,137,000
10,716,000
Long-term debt
27,102,000
25,355,000
18,951,000
Deferred revenue
344,000
615,000
502,000
Other long-term liabilities
354,055,000
(23,999,000)
(19,267,000)
Net debt
(229,637,000)
(176,381,000)
(167,571,000)
Cash flow
Cash from operating activities
28,041,000
21,690,000
7,412,000
CAPEX
(1,296,000)
(1,026,000)
(1,255,000)
Cash from investing activities
(24,126,000)
(17,358,000)
1,853,000
Cash from financing activities
(1,922,000)
2,114,000
(7,823,000)
FCF
32,194,000
40,263,000
27,919,000
Balance
Cash
52,949,000
46,763,000
51,863,000
Long term investments
203,790,000
170,110,000
145,375,000
Excess cash
253,982,500
214,399,200
195,196,300
Stockholders' equity
59,945,000
53,927,000
53,681,000
Invested Capital
401,475,000
394,664,000
356,604,000
ROIC
12.88%
11.96%
10.98%
ROCE
11.82%
10.52%
9.50%
EV
Common stock shares outstanding
863,378
863,390
863,345
Price
47.27
33.46%
35.42
0.20%
35.35
9.24%
Market cap
40,811,883
33.45%
30,581,287
0.20%
30,519,243
9.24%
EV
(158,368,117)
(123,536,713)
(114,137,757)
EBITDA
56,282,000
48,618,000
40,409,000
EV/EBITDA
Interest
8,890,000
4,782,000
423,000
Interest/NOPBT
16.19%
10.11%
1.08%