Powszechny Zaklad Ubezpieczen Valuation
Is PZU undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation 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 PZU when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: PZU (PLN51) is trading below our estimate of fair value (PLN105.1)
Significantly Below Fair Value: PZU is trading below fair value by more than 20%.
Key Valuation Metric
Which metric is best to use when looking at relative valuation for PZU?
Other financial metrics that can be useful for relative valuation.
| What is PZU's n/a Ratio? | |
|---|---|
| n/a | 0x |
| n/a | n/a |
| Market Cap | zł44.03b |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | 1.7x |
| Enterprise Value/EBITDA | 4x |
| PEG Ratio | 25.3x |
Price to Earnings Ratio vs Peers
How does PZU's PE Ratio compare to its peers?
| Company | Forward PE | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 11.2x | ||
ASRNL ASR Nederland | 9.4x | 5.9% | €9.8b |
BBSE3 BB Seguridade Participações | 8x | 3.5% | R$63.2b |
AIZ Assurant | 14.1x | 13.3% | US$9.0b |
CXSE3 Caixa Seguridade Participações | 13.4x | 8.5% | R$48.0b |
PZU Powszechny Zaklad Ubezpieczen | 8.9x | 0.3% | zł44.0b |
Price-To-Earnings vs Peers: PZU is good value based on its Price-To-Earnings Ratio (8.9x) compared to the peer average (11.2x).
Price to Earnings Ratio vs Industry
How does PZU's PE Ratio compare vs other companies in the European Insurance Industry?
Price-To-Earnings vs Industry: PZU is good value based on its Price-To-Earnings Ratio (8.9x) compared to the European Insurance industry average (11.3x).
Price to Earnings Ratio vs Fair Ratio
What is PZU'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 | 8.9x |
| Fair PE Ratio | n/a |
Price-To-Earnings vs Fair Ratio: Insufficient data to calculate PZU'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 | zł51.00 | zł52.94 +3.8% | 9.9% | zł62.20 | zł41.60 | n/a | 9 |
| Apr ’25 | zł48.81 | zł51.05 +4.6% | 9.2% | zł56.00 | zł41.60 | n/a | 8 |
| Mar ’25 | zł49.57 | zł50.80 +2.5% | 8.8% | zł55.60 | zł41.60 | n/a | 8 |
| Feb ’25 | zł48.01 | zł50.67 +5.5% | 8.7% | zł55.60 | zł41.60 | n/a | 8 |
| Jan ’25 | zł47.27 | zł50.10 +6.0% | 7.7% | zł53.00 | zł41.60 | n/a | 8 |
| Dec ’24 | zł46.74 | zł45.90 -1.8% | 16.9% | zł53.00 | zł27.70 | n/a | 9 |
| Nov ’24 | zł47.61 | zł45.86 -3.7% | 12.0% | zł53.00 | zł36.00 | n/a | 8 |
| Oct ’24 | zł41.37 | zł42.32 +2.3% | 12.7% | zł53.00 | zł36.00 | n/a | 8 |
| Sep ’24 | zł42.24 | zł42.04 -0.5% | 13.1% | zł53.80 | zł36.00 | n/a | 8 |
| Aug ’24 | zł40.77 | zł39.62 -2.8% | 14.3% | zł49.00 | zł27.70 | n/a | 9 |
| Jul ’24 | zł39.41 | zł39.44 +0.07% | 14.7% | zł49.00 | zł27.70 | n/a | 9 |
| Jun ’24 | zł39.63 | zł39.44 -0.5% | 14.7% | zł49.00 | zł27.70 | n/a | 9 |
| May ’24 | zł38.30 | zł38.54 +0.6% | 14.9% | zł49.00 | zł27.70 | n/a | 9 |
| Apr ’24 | zł35.08 | zł37.71 +7.5% | 14.9% | zł49.00 | zł27.70 | zł48.81 | 9 |
| Mar ’24 | zł36.76 | zł38.71 +5.3% | 12.5% | zł49.00 | zł34.00 | zł49.57 | 8 |
| Feb ’24 | zł36.67 | zł38.55 +5.1% | 13.0% | zł49.00 | zł33.60 | zł48.01 | 8 |
| Jan ’24 | zł35.42 | zł38.17 +7.8% | 12.7% | zł49.00 | zł33.60 | zł47.27 | 8 |
| Dec ’23 | zł31.94 | zł36.46 +14.2% | 14.6% | zł46.90 | zł27.70 | zł46.74 | 9 |
| Nov ’23 | zł26.80 | zł35.95 +34.1% | 17.6% | zł46.90 | zł27.00 | zł47.61 | 9 |
| Oct ’23 | zł23.16 | zł36.73 +58.6% | 16.3% | zł46.90 | zł27.00 | zł41.37 | 10 |
| Sep ’23 | zł27.10 | zł37.44 +38.1% | 14.0% | zł46.90 | zł27.00 | zł42.24 | 10 |
| Aug ’23 | zł30.32 | zł38.53 +27.1% | 11.7% | zł46.90 | zł31.00 | zł40.77 | 10 |
| Jul ’23 | zł29.98 | zł39.19 +30.7% | 12.6% | zł46.90 | zł31.00 | zł39.41 | 10 |
| Jun ’23 | zł32.24 | zł39.86 +23.6% | 12.7% | zł49.25 | zł31.00 | zł39.63 | 10 |
| May ’23 | zł30.70 | zł40.31 +31.3% | 13.9% | zł52.75 | zł32.00 | zł38.30 | 10 |
| Apr ’23 | zł34.59 | zł40.99 +18.5% | 13.0% | zł52.75 | zł32.00 | zł35.08 | 9 |
Analyst Forecast: Target price is less than 20% higher than the current share price.