Powszechny Zaklad Ubezpieczen SA provides life and non-life insurance products and services to individuals, institutional, and small and medium enterprises in Poland, the Baltic States, and Ukraine. More Details
Good value with imperfect balance sheet.
Share Price & News
How has Powszechny Zaklad Ubezpieczen's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: 7PZ's share price has been volatile over the past 3 months.
7 Day Return
1 Year Return
Return vs Industry: 7PZ underperformed the German Insurance industry which returned -19.8% over the past year.
Return vs Market: 7PZ underperformed the German Market which returned 2.6% over the past year.
Price Volatility Vs. Market
How volatile is Powszechny Zaklad Ubezpieczen's share price compared to the market and industry in the last 5 years?
Simply Wall St News
No news available
Is Powszechny Zaklad Ubezpieczen undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: 7PZ (€5.2) is trading below our estimate of fair value (€9.49)
Significantly Below Fair Value: 7PZ is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: 7PZ is poor value based on its PE Ratio (10.3x) compared to the DE Insurance industry average (10x).
PE vs Market: 7PZ is good value based on its PE Ratio (10.3x) compared to the German market (22x).
Price to Earnings Growth Ratio
PEG Ratio: 7PZ is good value based on its PEG Ratio (0.9x)
Price to Book Ratio
PB vs Industry: 7PZ is overvalued based on its PB Ratio (1.3x) compared to the DE Insurance industry average (0.9x).
How is Powszechny Zaklad Ubezpieczen forecast to perform in the next 1 to 3 years based on estimates from 6 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: 7PZ's forecast earnings growth (11.1% per year) is above the savings rate (0.2%).
Earnings vs Market: 7PZ's earnings (11.1% per year) are forecast to grow slower than the German market (27.6% per year).
High Growth Earnings: 7PZ's earnings are forecast to grow, but not significantly.
Revenue vs Market: 7PZ's revenue is expected to decline over the next 3 years (-9.5% per year).
High Growth Revenue: 7PZ's revenue is forecast to decline over the next 3 years (-9.5% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: 7PZ's Return on Equity is forecast to be low in 3 years time (18.2%).
How has Powszechny Zaklad Ubezpieczen performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: 7PZ has a large one-off loss of PLN1.4B impacting its June 30 2020 financial results.
Growing Profit Margin: 7PZ's current net profit margins (5.1%) are lower than last year (7.9%).
Past Earnings Growth Analysis
Earnings Trend: 7PZ's earnings have grown by 8.1% per year over the past 5 years.
Accelerating Growth: 7PZ's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: 7PZ had negative earnings growth (-35.4%) over the past year, making it difficult to compare to the Insurance industry average (-12.4%).
Return on Equity
High ROE: 7PZ's Return on Equity (8.1%) is considered low.
How is Powszechny Zaklad Ubezpieczen's financial position?
Financial Position Analysis
Short Term Liabilities: 7PZ's short term assets (PLN111.5B) do not cover its short term liabilities (PLN221.5B).
Long Term Liabilities: 7PZ's short term assets (PLN111.5B) do not cover its long term liabilities (PLN114.4B).
Debt to Equity History and Analysis
Debt Level: 7PZ's debt to equity ratio (68.6%) is considered high.
Reducing Debt: 7PZ's debt to equity ratio has increased from 22.5% to 68.6% over the past 5 years.
Debt Coverage: 7PZ's debt is well covered by operating cash flow (111.3%).
Interest Coverage: 7PZ's interest payments on its debt are well covered by EBIT (4.5x coverage).
What is Powszechny Zaklad Ubezpieczen current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate 7PZ's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate 7PZ's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if 7PZ's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if 7PZ's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: 7PZ is not paying a notable dividend for the German market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of 7PZ's dividend in 3 years as they are not forecast to pay a notable one for the German market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mrs. Beata Kozlowska-Chyla, Ph.D., serves as Acting President of the Management Board of Powszechny Zaklad Ubezpieczen SA since March, 2020. She has been the Chairman of Supervisory Board at Grupa LOTOS Sp ...
CEO Compensation Analysis
Compensation vs Market: Beata's total compensation ($USD0.00) is below average for companies of similar size in the German market ($USD3.95M).
Compensation vs Earnings: Insufficient data to compare Beata's compensation with company performance.
|Member of Management Board||4.5yrs||zł1.73m||no data|
|Management Board Member||3.92yrs||zł1.48m||0.00033% |
|Member of Management Board||3.25yrs||zł1.54m||no data|
|Group MD for Corporate Affairs & Member of the Management Board||1.5yrs||zł672.00k||no data|
|Acting President of the Management Board||0.50yr||zł634.00k||no data|
|Member of the Management Board||0.33yr||no data||no data|
|Member of Management Board||0.25yr||no data||no data|
|Member of Management Board||no data||no data||no data|
|Director of the Accounting Department||no data||no data||no data|
|Director of IR||no data||no data||no data|
|Manager of the Investor Relations Section||no data||no data||no data|
Experienced Management: 7PZ's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.
|Chairman of Kommersant Ukraine||9.25yrs||no data||no data|
|Supervisory Board Member||4.67yrs||zł167.00k||no data|
|Independent Supervisory Board Member||4.67yrs||zł167.00k||no data|
|Vice Chairman of the Supervisory Board||2.67yrs||zł182.00k||no data|
|Supervisory Board Member||3.58yrs||zł167.00k||no data|
|Independent Supervisory Board Member||3.42yrs||zł167.00k||no data|
|Chairman of the Supervisory Board||2.67yrs||zł184.00k||no data|
|Supervisory Board Member||2.5yrs||zł176.00k||no data|
|Supervisory Board Member||1.33yrs||zł101.00k||no data|
|Member of the Supervisory Board||1.33yrs||zł101.00k||no data|
|Independent Member of the Supervisory Board||1.33yrs||zł101.00k||no data|
|Member of the Supervisory Board||0.67yr||no data||no data|
Experienced Board: 7PZ's board of directors are not considered experienced ( 2.7 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Powszechny Zaklad Ubezpieczen SA's company bio, employee growth, exchange listings and data sources
- Name: Powszechny Zaklad Ubezpieczen SA
- Ticker: 7PZ
- Exchange: DB
- Founded: 1803
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: zł21.856b
- Listing Market Cap: zł4.770b
- Shares outstanding: 863.52m
- Website: https://www.pzu.pl
Number of Employees
- Powszechny Zaklad Ubezpieczen SA
- Al. Jana Pawla II 24
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|PZU||WSE (Warsaw Stock Exchange)||Yes||Bearer Shares||PL||PLN||May 2010|
|0MYY||LSE (London Stock Exchange)||Yes||Bearer Shares||GB||PLN||May 2010|
|7PZ||DB (Deutsche Boerse AG)||Yes||Bearer Shares||DE||EUR||May 2010|
|PWZY.F||OTCPK (Pink Sheets LLC)||Yes||Bearer Shares||US||USD||May 2010|
|PZUW||BATS-CHIXE (BATS 'Chi-X Europe')||Yes||Bearer Shares||GB||PLN||May 2010|
|PZAK.Y||OTCPK (Pink Sheets LLC)||UNSPONSORED ADR||US||USD||Nov 2011|
Powszechny Zaklad Ubezpieczen SA provides life and non-life insurance products and services to individuals, institutional, and small and medium enterprises in Poland, the Baltic States, and Ukraine. It ope ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/09/28 21:18|
|End of Day Share Price||2020/09/28 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.