Powszechny Zaklad Ubezpieczen Valuation
Is 0MYY undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
5/6Valuation Score 5/6
Below Fair Value
Significantly Below Fair Value
Price-To-Earnings vs Peers
Price-To-Earnings vs Industry
Price-To-Earnings vs Fair Ratio
Analyst Forecast
Share Price vs Fair Value
What is the Fair Price of 0MYY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: 0MYY (PLN41.01) is trading below our estimate of fair value (PLN133.34)
Significantly Below Fair Value: 0MYY is trading below fair value by more than 20%.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for 0MYY?
Key metric: As 0MYY is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.
| What is 0MYY's PE Ratio? | |
|---|---|
| PE Ratio | 7.2x |
| Earnings | zł4.96b |
| Market Cap | zł35.53b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 1.5x |
| Enterprise Value/EBITDA | 3.7x |
| PEG Ratio | 5.7x |
Price to Earnings Ratio vs Peers
How does 0MYY's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 10.3x | ||
AV. Aviva | 10.2x | 4.2% | UK£13.0b |
ADM Admiral Group | 19x | 11.5% | UK£7.6b |
HUW Helios Underwriting | 7.5x | 14.6% | UK£133.1m |
BEZ Beazley | 4.5x | -17.0% | UK£4.6b |
0MYY Powszechny Zaklad Ubezpieczen | 7.2x | 1.2% | zł35.5b |
Price-To-Earnings vs Peers: 0MYY is good value based on its Price-To-Earnings Ratio (7.2x) compared to the peer average (10.3x).
Price to Earnings Ratio vs Industry
How does 0MYY's PE Ratio compare vs other companies in the European Insurance Industry?
| 1 Company | Price / Earnings | Estimated Growth | Market Cap |
|---|---|---|---|
| 1 Company | Estimated Growth | Market Cap | |
|---|---|---|---|
Price-To-Earnings vs Industry: 0MYY is good value based on its Price-To-Earnings Ratio (7.2x) compared to the European Insurance industry average (11.8x).
Price to Earnings Ratio vs Fair Ratio
What is 0MYY's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PE Ratio | 7.2x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate 0MYY's Price-To-Earnings Fair Ratio for valuation analysis.
Analyst Price Targets
What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?
| Date | Share Price | Average 1Y Price Target | Dispersion | High | Low | 1Y Actual price | Analysts |
|---|---|---|---|---|---|---|---|
| Current | zł41.01 | zł52.71 +28.6% | 12.7% | zł62.20 | zł41.30 | n/a | 10 |
| Nov ’25 | n/a | zł52.71 0% | 12.7% | zł62.20 | zł41.30 | n/a | 10 |
| Oct ’25 | zł42.08 | zł52.71 +25.3% | 12.7% | zł62.20 | zł41.30 | n/a | 10 |
| Sep ’25 | n/a | zł52.48 0% | 12.5% | zł62.20 | zł41.30 | n/a | 10 |
| Aug ’25 | zł48.36 | zł52.88 +9.3% | 12.7% | zł62.20 | zł41.30 | n/a | 10 |
| Jul ’25 | zł51.51 | zł52.93 +2.8% | 12.8% | zł62.20 | zł41.30 | n/a | 10 |
| Jun ’25 | n/a | zł52.93 0% | 12.8% | zł62.20 | zł41.30 | n/a | 10 |
| May ’25 | zł51.56 | zł52.94 +2.7% | 9.9% | zł62.20 | zł41.60 | n/a | 9 |
| Apr ’25 | n/a | zł51.05 0% | 9.2% | zł56.00 | zł41.60 | n/a | 8 |
| Mar ’25 | n/a | zł50.80 0% | 8.8% | zł55.60 | zł41.60 | n/a | 8 |
| Feb ’25 | zł46.40 | zł50.67 +9.2% | 8.7% | zł55.60 | zł41.60 | n/a | 8 |
| Jan ’25 | n/a | zł50.10 0% | 7.7% | zł53.00 | zł41.60 | n/a | 8 |
| Dec ’24 | n/a | zł45.90 0% | 16.9% | zł53.00 | zł27.70 | n/a | 9 |
| Nov ’24 | n/a | zł45.86 0% | 12.0% | zł53.00 | zł36.00 | n/a | 8 |
| Oct ’24 | n/a | zł42.32 0% | 12.7% | zł53.00 | zł36.00 | zł42.08 | 8 |
| Sep ’24 | n/a | zł42.04 0% | 13.1% | zł53.80 | zł36.00 | n/a | 8 |
| Aug ’24 | n/a | zł39.62 0% | 14.3% | zł49.00 | zł27.70 | zł48.36 | 9 |
| Jul ’24 | n/a | zł39.44 0% | 14.7% | zł49.00 | zł27.70 | zł51.51 | 9 |
| Jun ’24 | zł38.58 | zł39.44 +2.2% | 14.7% | zł49.00 | zł27.70 | n/a | 9 |
| May ’24 | zł38.38 | zł38.54 +0.4% | 14.9% | zł49.00 | zł27.70 | zł51.56 | 9 |
| Apr ’24 | zł35.23 | zł37.71 +7.0% | 14.9% | zł49.00 | zł27.70 | n/a | 9 |
| Mar ’24 | zł36.56 | zł38.71 +5.9% | 12.5% | zł49.00 | zł34.00 | n/a | 8 |
| Feb ’24 | n/a | zł38.55 0% | 13.0% | zł49.00 | zł33.60 | zł46.40 | 8 |
| Jan ’24 | n/a | zł38.17 0% | 12.7% | zł49.00 | zł33.60 | n/a | 8 |
| Dec ’23 | zł31.94 | zł36.46 +14.2% | 14.6% | zł46.90 | zł27.70 | n/a | 9 |
| Nov ’23 | zł26.55 | zł35.95 +35.4% | 17.6% | zł46.90 | zł27.00 | n/a | 9 |
Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.
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