Powszechny Zaklad Ubezpieczen SA

LSE:0MYY Stock Report

Market Cap: zł41.6b

Powszechny Zaklad Ubezpieczen Valuation

Is 0MYY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation Score 4/6

  • 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.

Discounted Cash Flow
Simply Wall St
zł98.94
Fair Value
51.4% undervalued intrinsic discount
10
Number of Analysts

Below Fair Value: 0MYY (PLN48.13) is trading below our estimate of fair value (PLN98.94)

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.

The above table shows the Price to Earnings ratio for 0MYY. This is calculated by dividing 0MYY's market cap by their current earnings.
What is 0MYY's PE Ratio?
PE Ratio7.9x
Earningszł5.26b
Market Capzł41.63b

Price to Earnings Ratio vs Peers

How does 0MYY's PE Ratio compare to its peers?

The above table shows the PE ratio for 0MYY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average10.9x
AV. Aviva
10x5.0%UK£12.5b
ADM Admiral Group
19.3x11.1%UK£7.8b
BEZ Beazley
4.8x-17.8%UK£5.1b
HUW Helios Underwriting
9.5x16.9%UK£168.4m
0MYY Powszechny Zaklad Ubezpieczen
7.9x2.0%zł41.6b

Price-To-Earnings vs Peers: 0MYY is good value based on its Price-To-Earnings Ratio (7.9x) compared to the peer average (10.9x).

Price to Earnings Ratio vs Industry

How does 0MYY's PE Ratio compare vs other companies in the European Insurance Industry?

1 CompanyPrice / EarningsEstimated GrowthMarket Cap
0MYY 7.9xIndustry Avg. 11.8xNo. of Companies12PE0816243240+
1 CompanyEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: 0MYY is good value based on its Price-To-Earnings Ratio (7.9x) 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.

0MYY PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio7.9x
Fair PE Ration/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?

The above table shows the analyst 0MYY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentzł48.13
zł54.58
+13.4%
12.2%zł64.90zł41.30n/a10
Jan ’26n/a
zł54.58
0%
12.2%zł64.90zł41.30n/a10
Dec ’25n/a
zł52.71
0%
12.7%zł62.20zł41.30n/a10
Nov ’25n/a
zł52.71
0%
12.7%zł62.20zł41.30n/a10
Oct ’25zł42.08
zł52.71
+25.3%
12.7%zł62.20zł41.30n/a10
Sep ’25n/a
zł52.48
0%
12.5%zł62.20zł41.30n/a10
Aug ’25zł48.36
zł52.88
+9.3%
12.7%zł62.20zł41.30n/a10
Jul ’25zł51.51
zł52.93
+2.8%
12.8%zł62.20zł41.30n/a10
Jun ’25n/a
zł52.93
0%
12.8%zł62.20zł41.30n/a10
May ’25zł51.56
zł52.94
+2.7%
9.9%zł62.20zł41.60n/a9
Apr ’25n/a
zł51.05
0%
9.2%zł56.00zł41.60n/a8
Mar ’25n/a
zł50.80
0%
8.8%zł55.60zł41.60n/a8
Feb ’25zł46.40
zł50.67
+9.2%
8.7%zł55.60zł41.60n/a8
Jan ’25n/a
zł50.10
0%
7.7%zł53.00zł41.60n/a8
Dec ’24n/a
zł45.90
0%
16.9%zł53.00zł27.70n/a9
Nov ’24n/a
zł45.86
0%
12.0%zł53.00zł36.00n/a8
Oct ’24n/a
zł42.32
0%
12.7%zł53.00zł36.00zł42.088
Sep ’24n/a
zł42.04
0%
13.1%zł53.80zł36.00n/a8
Aug ’24n/a
zł39.62
0%
14.3%zł49.00zł27.70zł48.369
Jul ’24n/a
zł39.44
0%
14.7%zł49.00zł27.70zł51.519
Jun ’24zł38.58
zł39.44
+2.2%
14.7%zł49.00zł27.70n/a9
May ’24zł38.38
zł38.54
+0.4%
14.9%zł49.00zł27.70zł51.569
Apr ’24zł35.23
zł37.71
+7.0%
14.9%zł49.00zł27.70n/a9
Mar ’24zł36.56
zł38.71
+5.9%
12.5%zł49.00zł34.00n/a8
Feb ’24n/a
zł38.55
0%
13.0%zł49.00zł33.60zł46.408
Jan ’24n/a
zł38.17
0%
12.7%zł49.00zł33.60n/a8
Analyst Price Target
Consensus Narrative from 10 Analysts
zł54.49
Fair Value
11.7% undervalued intrinsic discount
10
Number of Analysts

Analyst Forecast: Target price is less than 20% higher than the current share price.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/09 21:41
End of Day Share Price 2025/01/09 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Powszechny Zaklad Ubezpieczen SA is covered by 27 analysts. 9 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Andrew BroadfieldBarclays
Kamil KliszczBiuro maklerskie mBanku
Thomas JacquetBNP Paribas Exane