Powszechny Zaklad Ubezpieczen SA

OTCPK:PWZY.F Stock Report

Market Cap: US$9.7b

Powszechny Zaklad Ubezpieczen Past Earnings Performance

Past criteria checks 2/6

Powszechny Zaklad Ubezpieczen has been growing earnings at an average annual rate of 18.6%, while the Insurance industry saw earnings growing at 12.6% annually. Revenues have been growing at an average rate of 10.4% per year. Powszechny Zaklad Ubezpieczen's return on equity is 19.4%, and it has net margins of 8.9%.

Key information

18.6%

Earnings growth rate

18.6%

EPS growth rate

Insurance Industry Growth8.0%
Revenue growth rate10.4%
Return on equity19.4%
Net Margin8.9%
Last Earnings Update30 Sep 2024

Recent past performance updates

Recent updates

Revenue & Expenses Breakdown

How Powszechny Zaklad Ubezpieczen makes and spends money. Based on latest reported earnings, on an LTM basis.

Earnings and Revenue History

OTCPK:PWZY.F Revenue, expenses and earnings (PLN Millions)
DateRevenueEarningsG+A ExpensesR&D Expenses
30 Sep 2459,0215,2596,8310
30 Jun 2458,1955,5246,7240
31 Mar 2458,2085,8606,5070
31 Dec 2357,1625,7666,3320
30 Sep 2355,4805,3896,0650
30 Jun 2350,8454,6365,8120
31 Mar 2347,6084,0575,6580
31 Dec 2243,9703,7815,4500
30 Sep 2241,5573,5236,5360
30 Jun 2241,0403,5356,9110
31 Mar 2239,0063,3407,2320
31 Dec 2138,7523,3367,6610
30 Sep 2138,2123,0817,4420
30 Jun 2137,8073,2417,3780
31 Mar 2137,1132,6767,3020
31 Dec 2036,3851,9127,3010
30 Sep 2036,0212,1397,3680
30 Jun 2037,0322,1197,3970
31 Mar 2038,5312,6647,3970
31 Dec 1939,5673,2957,3380
30 Sep 1942,1263,1467,2580
30 Jun 1941,4193,2847,2270
31 Mar 1940,6403,3337,2980
31 Dec 1839,5383,2137,2930
30 Sep 1837,3373,2017,3210
30 Jun 1836,9002,8677,3200
31 Mar 1834,5112,5886,7670
31 Dec 1732,5092,8956,0140
30 Sep 1729,4682,7475,2860
30 Jun 1726,6252,7134,3380
31 Mar 1724,7852,3773,8170
31 Dec 1623,4221,9353,5850
30 Sep 1622,0711,8203,1120
30 Jun 1620,7171,6812,8400
31 Mar 1620,0231,8942,6010
31 Dec 1519,8322,3432,3790
30 Sep 1519,8762,2362,1790
30 Jun 1520,0972,5692,1620
31 Mar 1520,3963,1492,1160
31 Dec 1419,6582,9682,0420
30 Sep 1419,7343,0922,0030
30 Jun 1419,7193,3391,9720
31 Mar 1419,4053,2161,9190
31 Dec 1319,3183,2931,9110

Quality Earnings: PWZY.F has high quality earnings.

Growing Profit Margin: PWZY.F's current net profit margins (8.9%) are lower than last year (9.7%).

Free Cash Flow vs Earnings Analysis

Past Earnings Growth Analysis

Earnings Trend: PWZY.F's earnings have grown by 18.6% per year over the past 5 years.

Accelerating Growth: PWZY.F's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: PWZY.F had negative earnings growth (-2.4%) over the past year, making it difficult to compare to the Insurance industry average (36.4%).

Return on Equity

High ROE: PWZY.F's Return on Equity (19.4%) is considered low.

Return on Assets

Return on Capital Employed

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/22 07:17
End of Day Share Price 2024/11/15 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 26 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