Powszechny Zaklad Ubezpieczen SA's (WSE:PZU) Earnings Are Not Doing Enough For Some Investors
Dec 30
Have your own idea? Try our Stock Screener
Polish (WIG) Financials Sector Analysis
UpdatedJan 21, 2025
DataAggregated Company Financials
Companies71
- 7D3.1%
- 3M7.6%
- 1Y10.4%
- YTD5.6%
In the last week, the Financials industry is up 1.8%, with Santander Bank Polska leading the way, up 2.7%. In the last 12 months, the industry was up 9.2%. Looking forward, earnings are forecast to grow by 5.9% annually.
Sector Valuation and Performance
Has the Polish Financials Sector valuation changed over the past few years?
| Date | Market Cap | Revenue | Earnings | PE | Absolute PE | PS |
|---|---|---|---|---|---|---|
| Tue, 21 Jan 2025 | zł340.9b | zł163.0b | zł39.0b | 10.1x | 8.7x | 2.1x |
| Thu, 19 Dec 2024 | zł323.9b | zł163.0b | zł39.1b | 9x | 8.3x | 2x |
| Sat, 16 Nov 2024 | zł317.5b | zł161.8b | zł38.9b | 9x | 8.2x | 2x |
| Mon, 14 Oct 2024 | zł327.9b | zł159.1b | zł37.6b | 9.3x | 8.7x | 2.1x |
| Wed, 11 Sep 2024 | zł331.9b | zł159.2b | zł37.9b | 8.7x | 8.8x | 2.1x |
| Fri, 09 Aug 2024 | zł316.6b | zł159.3b | zł36.5b | 8.6x | 8.7x | 2x |
| Sun, 07 Jul 2024 | zł359.8b | zł158.7b | zł36.2b | 8.6x | 9.9x | 2.3x |
| Tue, 04 Jun 2024 | zł353.1b | zł158.7b | zł36.2b | 8.7x | 9.8x | 2.2x |
| Thu, 02 May 2024 | zł371.1b | zł156.7b | zł35.5b | 8.9x | 10.5x | 2.4x |
| Sat, 30 Mar 2024 | zł376.5b | zł155.6b | zł34.8b | 11.9x | 10.8x | 2.4x |
| Mon, 26 Feb 2024 | zł360.6b | zł156.9b | zł35.5b | 10.8x | 10.2x | 2.3x |
| Wed, 24 Jan 2024 | zł305.9b | zł154.5b | zł35.3b | 10.2x | 8.7x | 2x |
| Fri, 22 Dec 2023 | zł318.2b | zł154.5b | zł35.3b | 10.5x | 9x | 2.1x |
| Sun, 19 Nov 2023 | zł302.8b | zł150.3b | zł34.5b | 10.3x | 8.8x | 2x |
| Tue, 17 Oct 2023 | zł274.3b | zł131.2b | zł19.5b | 11.2x | 14x | 2.1x |
| Thu, 14 Sep 2023 | zł236.9b | zł131.0b | zł19.4b | 10.6x | 12.2x | 1.8x |
| Sat, 12 Aug 2023 | zł252.3b | zł125.2b | zł18.5b | 12.5x | 13.7x | 2x |
| Mon, 10 Jul 2023 | zł240.9b | zł123.3b | zł17.1b | 13.4x | 14.1x | 2x |
| Wed, 07 Jun 2023 | zł237.1b | zł124.6b | zł17.1b | 12.1x | 13.8x | 1.9x |
| Fri, 05 May 2023 | zł212.5b | zł119.1b | zł15.9b | 11.7x | 13.3x | 1.8x |
| Sun, 02 Apr 2023 | zł198.1b | zł112.5b | zł15.5b | 10.7x | 12.8x | 1.8x |
| Tue, 28 Feb 2023 | zł203.8b | zł112.2b | zł14.4b | 11.3x | 14.1x | 1.8x |
| Thu, 26 Jan 2023 | zł206.4b | zł110.7b | zł10.0b | 11.9x | 20.7x | 1.9x |
| Sat, 24 Dec 2022 | zł194.6b | zł110.7b | zł9.9b | 12.6x | 19.6x | 1.8x |
| Mon, 21 Nov 2022 | zł187.9b | zł109.5b | zł10.1b | 11.1x | 18.7x | 1.7x |
| Wed, 19 Oct 2022 | zł156.7b | zł113.3b | zł17.3b | 7.8x | 9.1x | 1.4x |
| Fri, 16 Sep 2022 | zł165.4b | zł113.5b | zł17.6b | 9.5x | 9.4x | 1.5x |
| Sun, 14 Aug 2022 | zł175.6b | zł112.4b | zł17.0b | 10.7x | 10.3x | 1.6x |
| Tue, 12 Jul 2022 | zł174.5b | zł107.6b | zł16.3b | 11.8x | 10.7x | 1.6x |
| Thu, 09 Jun 2022 | zł193.8b | zł107.4b | zł17.0b | 12.3x | 11.4x | 1.8x |
| Sat, 07 May 2022 | zł190.7b | zł105.0b | zł16.7b | 10.5x | 11.4x | 1.8x |
| Mon, 04 Apr 2022 | zł240.0b | zł98.6b | zł14.4b | 11.7x | 16.6x | 2.4x |
| Wed, 02 Mar 2022 | zł225.3b | zł100.0b | zł14.2b | 12.1x | 15.9x | 2.3x |
| Fri, 28 Jan 2022 | zł274.6b | zł91.4b | zł9.5b | 15.2x | 29x | 3x |
Price to Earnings Ratio
29x
Current Industry PE
- Investors are pessimistic on the Polish Financials industry, indicating that they anticipate long term growth rates will be lower than they have historically.
- The industry is trading at a PE ratio of 8.6x which is lower than its 3-year average PE of 12.9x.
- The industry is trading close to its 3-year average PS ratio of 2.1x.
Past Earnings Growth
- The earnings for companies in the Financials industry have grown 60% per year over the last three years.
- Revenues for these companies have grown 21% per year.
- This means that more sales are being generated by these companies overall, and subsequently their profits are increasing too.
Industry Trends
Which industries have driven the changes within the Polish Financials sector?
| PL Market | 3.85% | |
| Financials | 3.11% | |
| Capital Markets | 6.30% | |
| Insurance | 3.23% | |
| Banks | 2.98% | |
| Consumer Finance | 2.05% | |
| Mortgage Finance | 0% | 0 |
| Mortgage REITs | 0% | 0 |
| Diversified Financial | -0.99% | |
Industry PE
- Investors are most optimistic about the Capital Markets industry even though it's trading below its 3-year average PE ratio of 15.9x.
- Analysts are expecting annual earnings decline of 3.3%, which is lower than the prior year's growth of 8.6% per year.
- Investors are most pessimistic about the Diversified Financial industry, which is trading below its 3-year average of 11.2x.
Forecasted Growth
- Analysts are most optimistic on the Banks industry, expecting annual earnings growth of 6.9% over the next 5 years.
- However this is lower than its past earnings growth rate of 9.1% per year.
- In contrast, the Capital Markets industry is expected to see its earnings decline by 3.3% per year over the next few years.
Top Stock Gainers and Losers
Which companies have driven the market over the last 7 days?
| Company | Last Price | 7D | 1Y | Valuation | |
|---|---|---|---|---|---|
| SPL Santander Bank Polska | zł483.30 | 3.5% +zł1.7b | 4.2% | PB1.5x | |
| PKO Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna | zł61.40 | 2.2% +zł1.7b | 22.9% | PB1.5x | |
| MBK mBank | zł581.00 | 6.0% +zł1.4b | 15.7% | PB1.6x | |
| PZU Powszechny Zaklad Ubezpieczen | zł49.20 | 3.3% +zł1.3b | 5.1% | PE8.1x | |
| PEO Bank Polska Kasa Opieki | zł147.25 | 2.6% +zł984.3m | -0.5% | PB1.3x |