Powszechny Zaklad Ubezpieczen (OTCPK:PWZY.F) Stock Valuation, Peer Comparison & Price Targets

Q: What is the Fair Price of PWZY.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

PWZY.F ($11.9) is trading below our estimate of [[fair value]] ($37.34)

Share Price vs Fair Value

What is the Fair Price of PWZY.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Below Fair Value: PWZY.F ($11.9) is trading below our estimate of fair value ($37.34)

Significantly Below Fair Value: PWZY.F is trading below fair value by more than 20%.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for PWZY.F?

Key metric: As PWZY.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for PWZY.F. This is calculated by dividing PWZY.F's market cap by their current earnings.
What is PWZY.F's PE Ratio?
PE Ratio	7.2x
Earnings	zł4.96b
Market Cap	zł35.53b

PWZY.F key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenue	1.5x
Enterprise Value/EBITDA	3.7x
PEG Ratio	5.7x

Price to Earnings Ratio vs Peers

How does PWZY.F's PE Ratio compare to its peers?

The above table shows the PE ratio for PWZY.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
Company	Forward PE	Estimated Growth	Market Cap
Peer Average	14x
HMN Horace Mann Educators	15.9x	23.1%	US$1.7b
AIG American International Group	12.5x	37.4%	US$47.3b
GL Globe Life	8.4x	3.7%	US$9.2b
RLI RLI	19.2x	-10.9%	US$8.0b
PWZY.F Powszechny Zaklad Ubezpieczen	7.2x	1.2%	US$35.5b

Price-To-Earnings vs Peers: PWZY.F is good value based on its Price-To-Earnings Ratio (7.2x) compared to the peer average (14x).

Price to Earnings Ratio vs Industry

How does PWZY.F's PE Ratio compare vs other companies in the US Insurance Industry?

3 Companies	Price / Earnings	Estimated Growth	Market Cap
UTGN UTG	2x	n/a	US$85.49m
AORE.F American Overseas Group	2.1x	n/a	US$16.68m
CUII China United Insurance Service	0.0003x	n/a	US$3.13k

No more companies available in this PE range

3 Companies		Estimated Growth	Market Cap

No more companies

Price-To-Earnings vs Industry: PWZY.F is good value based on its Price-To-Earnings Ratio (7.2x) compared to the US Insurance industry average (13.5x).

Price to Earnings Ratio vs Fair Ratio

What is PWZY.F'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.

PWZY.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio	7.2x
Fair PE Ratio	n/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate PWZY.F'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 PWZY.F forecast and predictions for the stock price in 12 month’s time.
Date	Share Price	Average 1Y Price Target	Dispersion	High	Low	1Y Actual price	Analysts
Current	US$11.90	US$12.88 +8.2%	12.7%	US$15.19	US$10.09	n/a	10
Nov ’25	n/a	US$13.85 0%	12.7%	US$16.34	US$10.85	n/a	10
Oct ’25	n/a	US$13.85 0%	12.7%	US$16.34	US$10.85	n/a	10
Sep ’25	n/a	US$13.54 0%	12.5%	US$16.05	US$10.66	n/a	10
Aug ’25	n/a	US$13.48 0%	12.7%	US$15.86	US$10.53	n/a	10
Jul ’25	n/a	US$13.36 0%	12.8%	US$15.70	US$10.43	n/a	10
Jun ’25	n/a	US$13.36 0%	12.8%	US$15.70	US$10.43	n/a	10
May ’25	n/a	US$13.08 0%	9.9%	US$15.37	US$10.28	n/a	9
Apr ’25	n/a	US$12.84 0%	9.2%	US$14.09	US$10.47	n/a	8
Mar ’25	n/a	US$12.60 0%	8.8%	US$13.79	US$10.32	n/a	8
Feb ’25	n/a	US$12.76 0%	8.7%	US$14.00	US$10.47	n/a	8
Jan ’25	n/a	US$12.88 0%	7.7%	US$13.63	US$10.70	n/a	8
Dec ’24	n/a	US$11.55 0%	16.9%	US$13.34	US$6.97	n/a	9
Nov ’24	US$11.22	US$10.95 -2.4%	12.0%	US$12.66	US$8.60	n/a	8
Oct ’24	n/a	US$9.82 0%	12.7%	US$12.30	US$8.35	n/a	8
Sep ’24	n/a	US$10.25 0%	13.1%	US$13.12	US$8.78	n/a	8
Aug ’24	n/a	US$9.84 0%	14.3%	US$12.17	US$6.88	n/a	9
Jul ’24	n/a	US$9.46 0%	14.7%	US$11.76	US$6.65	n/a	9
Jun ’24	n/a	US$9.46 0%	14.7%	US$11.76	US$6.65	n/a	9
May ’24	US$9.22	US$9.26 +0.4%	14.9%	US$11.77	US$6.66	n/a	9
Apr ’24	n/a	US$8.74 0%	14.9%	US$11.36	US$6.42	n/a	9
Mar ’24	n/a	US$8.66 0%	12.5%	US$10.97	US$7.61	n/a	8
Feb ’24	n/a	US$8.86 0%	13.0%	US$11.26	US$7.72	n/a	8
Jan ’24	n/a	US$8.57 0%	12.7%	US$11.01	US$7.55	n/a	8
Dec ’23	n/a	US$8.18 0%	14.6%	US$10.52	US$6.21	n/a	9
Nov ’23	n/a	US$7.59 0%	17.6%	US$9.90	US$5.70	US$11.22	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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Powszechny Zaklad Ubezpieczen Valuation