PZAK.Y Stock Overview

Provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine. More details

PZAK.Y fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	1/6
Past Performance	2/6
Financial Health	4/6
Dividends	4/6

Rewards

Trading at 49.4% below our estimate of its fair value

Earnings are forecast to grow 3.41% per year

Risk Analysis

Shares are highly illiquid

Unstable dividend track record

My Notes

Capture your thoughts, links and company narrative

Powszechny Zaklad Ubezpieczen SA Competitors

American International Group

NYSE:AIG

US$45.8b

Horace Mann Educators

NYSE:HMN

US$1.6b

Brookfield Wealth Solutions

NYSE:BNT

US$10.2b

American Financial Group

NYSE:AFG

US$10.7b

Price History & Performance

Summary of share price highs, lows and changes for Powszechny Zaklad Ubezpieczen
Historical stock prices
Current Share Price	zł13.00
52 Week High	zł13.00
52 Week Low	zł12.10
Beta	0.56
1 Month Change	7.44%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	79.31%

Recent updates

Shareholder Returns

	PZAK.Y	US Insurance	US Market
7D	0%	0.4%	0.2%
1Y	n/a	22.0%	22.0%

Return vs Industry: Insufficient data to determine how PZAK.Y performed against the US Insurance industry.

Return vs Market: Insufficient data to determine how PZAK.Y performed against the US Market.

Price Volatility

Is PZAK.Y's price volatile compared to industry and market?
PZAK.Y volatility
PZAK.Y Average Weekly Movement	n/a
Insurance Industry Average Movement	3.6%
Market Average Movement	6.1%
10% most volatile stocks in US Market	18.6%
10% least volatile stocks in US Market	3.1%

Stable Share Price: PZAK.Y's share price has been volatile over the past 3 months compared to the US market.

Volatility Over Time: Insufficient data to determine PZAK.Y's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
1803	38,800	n/a	www.pzu.pl

Powszechny Zaklad Ubezpieczen SA provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine. It operates through Corporate Insurance, Mass Insurance, Group and Individually Continued Life Insurance, Individual Life Insurance, Life Investment Insurance, Investments, Pension Insurance, Banking, Baltic States, Ukraine, Investment Contracts, and Other segments. The company offers motor, property, casualty, agricultural, fire, and third-party liability insurance, as well as health, accident, and life insurance.

Powszechny Zaklad Ubezpieczen SA Fundamentals Summary

How do Powszechny Zaklad Ubezpieczen's earnings and revenue compare to its market cap?
PZAK.Y fundamental statistics
Market cap	US$10.55b
Earnings (TTM)	US$1.30b
Revenue (TTM)	US$14.55b

8.1x

P/E Ratio

0.7x

P/S Ratio

Is PZAK.Y overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PZAK.Y income statement (TTM)
Revenue	zł59.02b
Cost of Revenue	zł25.19b
Gross Profit	zł33.83b
Other Expenses	zł28.57b
Earnings	zł5.26b

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	6.09
Gross Margin	57.32%
Net Profit Margin	8.91%
Debt/Equity Ratio	64.9%

How did PZAK.Y perform over the long term?

See historical performance and comparison

Dividends

8.8%

Current Dividend Yield

71%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/02/06 13:24
End of Day Share Price	2025/01/27 00:00
Earnings	2024/09/30
Annual Earnings	2023/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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.

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 Github.

Analyst Sources

Powszechny Zaklad Ubezpieczen SA is covered by 27 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Andrew Broadfield	Barclays
Kamil Kliszcz	Biuro maklerskie mBanku
Thomas Jacquet	BNP Paribas Exane