POWSZECHNY Zaklad Ubezpieczen SA provides life and non-life insurance products and services to individuals, institutional customers, and small and medium enterprises in Poland, the Baltic States, and Ukraine. More Details
Solid track record, good value and pays a dividend.
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: PZU is less volatile than 75% of Polish stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: PZU's weekly volatility (3%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: PZU exceeded the Polish Insurance industry which returned 18.5% over the past year.
Return vs Market: PZU matched the Polish Market which returned 41.2% over the past year.
Long-Term 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
1 week ago | Simply Wall StHere's Why We're Wary Of Buying Powszechny Zaklad Ubezpieczen's (WSE:PZU) For Its Upcoming Dividend
1 week ago | Simply Wall StThose who invested in Powszechny Zaklad Ubezpieczen (WSE:PZU) a year ago are up 56%
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: PZU (PLN37.72) is trading below our estimate of fair value (PLN48.39)
Significantly Below Fair Value: PZU is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: PZU is good value based on its PE Ratio (9.9x) compared to the European Insurance industry average (11.1x).
PE vs Market: PZU is good value based on its PE Ratio (9.9x) compared to the Polish market (13.5x).
Price to Earnings Growth Ratio
PEG Ratio: PZU is poor value based on its PEG Ratio (2x)
Price to Book Ratio
PB vs Industry: PZU is overvalued based on its PB Ratio (1.9x) compared to the XE Insurance industry average (1.1x).
How is Powszechny Zaklad Ubezpieczen forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: PZU's forecast earnings growth (4.9% per year) is above the savings rate (2.6%).
Earnings vs Market: PZU's earnings (4.9% per year) are forecast to grow slower than the Polish market (16.7% per year).
High Growth Earnings: PZU's earnings are forecast to grow, but not significantly.
Revenue vs Market: PZU's revenue is expected to decline over the next 3 years (-7.9% per year).
High Growth Revenue: PZU's revenue is forecast to decline over the next 3 years (-7.9% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: PZU's Return on Equity is forecast to be low in 3 years time (16.7%).
How has Powszechny Zaklad Ubezpieczen performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: PZU has high quality earnings.
Growing Profit Margin: PZU's current net profit margins (8.7%) are higher than last year (5.7%).
Past Earnings Growth Analysis
Earnings Trend: PZU's earnings have grown by 4.3% per year over the past 5 years.
Accelerating Growth: PZU's earnings growth over the past year (54.7%) exceeds its 5-year average (4.3% per year).
Earnings vs Industry: PZU earnings growth over the past year (54.7%) exceeded the Insurance industry 12.4%.
Return on Equity
High ROE: PZU's Return on Equity (11.4%) is considered low.
How is Powszechny Zaklad Ubezpieczen's financial position?
Financial Position Analysis
Short Term Liabilities: PZU's short term assets (PLN39.8B) do not cover its short term liabilities (PLN266.0B).
Long Term Liabilities: PZU's short term assets (PLN39.8B) do not cover its long term liabilities (PLN83.7B).
Debt to Equity History and Analysis
Debt Level: PZU's debt to equity ratio (57.2%) is considered high.
Reducing Debt: PZU's debt to equity ratio has reduced from 66.3% to 57.2% over the past 5 years.
Debt Coverage: PZU's debt is not well covered by operating cash flow (13.1%).
Interest Coverage: PZU's interest payments on its debt are well covered by EBIT (13.8x coverage).
What is Powszechny Zaklad Ubezpieczen current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: PZU's dividend (9.28%) is higher than the bottom 25% of dividend payers in the Polish market (2.13%).
High Dividend: PZU's dividend (9.28%) is in the top 25% of dividend payers in the Polish market (6.02%)
Stability and Growth of Payments
Stable Dividend: PZU's dividend payments have been volatile in the past 10 years.
Growing Dividend: PZU's dividend payments have increased over the past 10 years.
Current Payout to Shareholders
Dividend Coverage: With its high payout ratio (92.2%), PZU's dividend payments are not well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: PZU's dividends in 3 years are forecast to be covered by earnings (79.9% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Ms. Beata Kozlowska-Chyla, Ph D., has been President of the Management Board at Powszechny Zaklad Ubezpieczen SA since October 2, 2020 and also served as Acting President of the Management Board since Marc...
CEO Compensation Analysis
Compensation vs Market: Beata's total compensation ($USD3.30M) is above average for companies of similar size in the Polish market ($USD899.88K).
Compensation vs Earnings: Beata's compensation has increased by more than 20% in the past year.
Experienced Management: PZU's management team is not considered experienced ( 1.4 years average tenure), which suggests a new team.
Experienced Board: PZU's board of directors are considered experienced (3.7 years average tenure).
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: PZU
- Exchange: WSE
- Founded: 1803
- Industry: Multi-line Insurance
- Sector: Insurance
- Market Cap: zł32.572b
- Shares outstanding: 863.52m
- Website: https://www.pzu.pl
Number of Employees
- Powszechny Zaklad Ubezpieczen SA
- Al. Jana Pawla II 24
POWSZECHNY Zaklad Ubezpieczen SA provides life and non-life insurance products and services to individuals, institutional customers, and small and medium enterprises in Poland, the Baltic States, and Ukrai...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/09/18 17:02|
|End of Day Share Price||2021/09/17 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.