Stock PZU POWSZECHNY ZAKLAD UBEZPIECZE? SPÓLKA AKCYJNA
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Financials Powszechny Zaklad Ubezpiecze? Spólka Akcyjna

Equities

PZU

PLPZU0000011

Multiline Insurance & Brokers

Market Closed - Warsaw S.E.
Other stock markets
 11:55:40 2024-04-26 am EDT 		5-day change 1st Jan Change
51.5 PLN +0.98% Intraday chart for Powszechny Zaklad Ubezpiecze? Spólka Akcyjna +1.62% +8.95%
Mar. 28 Powszechny Zaklad Ubezpieczen SA Appoints Artur Olech as CEO, Effective April 12, 2024 CI
Mar. 28 Powszechny Zaklad Ubezpieczen SA Announces Board Appointments, Effective April 12, 2024 CI

Valuation

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Capitalization 1 37,908 34,558 27,937 30,519 30,581 44,464 44,464 -
Enterprise Value (EV) 1 37,908 34,558 27,937 30,519 30,581 40,812 44,464 44,464
P/E ratio 11.8 x 10.5 x 14.6 x 9.16 x 9.06 x 7.08 x 8.23 x 8.26 x
Yield 5.69% 6.99% - 9.9% 6.78% 5.08% 7.99% 7.81%
Capitalization / Revenue 1.62 x 1.43 x 1.17 x 1.22 x 1.14 x 1.52 x 1.57 x 1.48 x
EV / Revenue 1.62 x 1.43 x 1.17 x 1.22 x 1.14 x 1.52 x 1.57 x 1.48 x
EV / EBITDA - - - - - - - -
EV / FCF - - - - - - - -
FCF Yield - - - - - - - -
Price to Book 2.72 x 2.14 x 1.49 x 1.79 x 1.75 x 1.61 x 1.64 x 1.4 x
Nbr of stocks (in thousands) 863,513 863,293 863,333 863,343 863,391 863,379 863,379 -
Reference price 2 43.90 40.03 32.36 35.35 35.42 51.50 51.50 51.50
Announcement Date 3/13/19 3/12/20 3/25/21 3/24/22 3/30/23 3/21/24 - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Annual data)

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Net sales 1 23,470 24,191 23,866 25,080 26,710 26,868 28,306 30,021
EBITDA - - - - - - - -
EBIT 1 7,087 7,084 4,058 7,469 7,630 16,067 4,655 8,262
Operating Margin 30.2% 29.28% 17% 29.78% 28.57% 59.8% 16.44% 27.52%
Earnings before Tax (EBT) 1 7,086 7,080 4,058 7,454 7,605 16,077 4,659 10,101
Net income 1 3,213 3,295 1,912 3,336 3,374 5,766 5,374 5,117
Net margin 13.69% 13.62% 8.01% 13.3% 12.63% 21.46% 18.99% 17.04%
EPS 2 3.720 3.820 2.210 3.860 3.910 6.680 6.260 6.234
Free Cash Flow - - - - - - - -
FCF margin - - - - - - - -
FCF Conversion (EBITDA) - - - - - - - -
FCF Conversion (Net income) - - - - - - - -
Dividend per Share 2 2.500 2.800 - 3.500 2.400 2.400 4.113 4.022
Announcement Date 3/13/19 3/12/20 3/25/21 3/24/22 3/30/23 3/21/24 - -
1PLN in Million2PLN
Estimates

Income Statement Evolution (Quarterly data)

Fiscal Period: December 2019 S1 2021 Q2 2021 Q3 2021 Q4 2022 Q1 2022 Q2 2022 Q3 2022 Q4 2023 Q1 2023 Q2 2023 Q3 2023 Q4 2024 Q1 2024 Q2 2024 Q3 2024 Q4
Net sales 11,839 6,194 5,908 6,830 6,253 6,394 6,395 7,668 7,053 6,961 6,935 - - - - -
EBITDA - - - - - - - - - - - - - - - -
EBIT 1 3,103 1,774 1,847 2,216 2,209 1,879 349 3,193 3,410 - 4,156 4,337 - - - -
Operating Margin 26.21% 28.64% 31.26% 32.45% 35.33% 29.39% 5.46% 41.64% 48.35% - 59.93% - - - - -
Earnings before Tax (EBT) 3,100 1,772 1,844 2,212 2,198 1,873 344 3,190 - 4,002 - - - - - -
Net income 1 1,481 774 759 906 758 722 660 1,234 1,155 1,423 1,458 1,730 1,181 1,223 1,323 1,223
Net margin 12.51% 12.5% 12.85% 13.27% 12.12% 11.29% 10.32% 16.09% 16.38% 20.44% 21.02% - - - - -
EPS 2 - 0.9000 0.8800 1.050 0.8800 0.8400 0.7600 1.430 1.340 1.790 1.690 1.860 1.416 1.416 1.416 1.416
Dividend per Share 2 - - - 3.500 - - - 2.400 - - - 2.400 - - - 3.398
Announcement Date 8/29/19 8/26/21 11/18/21 3/24/22 5/19/22 8/25/22 11/24/22 3/30/23 5/25/23 8/31/23 11/23/23 3/21/24 - - - -
1PLN in Million2PLN
Estimates

Balance Sheet Analysis

Fiscal Period: December 2018 2019 2020 2021 2022 2023 2024 2025
Net Debt - - - - - - - -
Net Cash position - - - - - - - -
Leverage (Debt/EBITDA) - - - - - - - -
Free Cash Flow - - - - - - - -
ROE (net income / shareholders' equity) 21.8% 21.2% 10.9% 18.6% 19.5% 23% 18.9% 17.4%
ROA (Net income/ Total Assets) 0.99% 0.98% 0.53% 0.85% 0.81% 1.18% 1.1% 1.06%
Assets 1 323,005 335,947 361,177 390,541 419,130 456,657 488,581 484,564
Book Value Per Share 2 16.10 18.70 21.80 19.80 20.30 32.00 31.50 36.80
Cash Flow per Share - - - - - - - -
Capex - - - - - - - -
Capex / Sales - - - - - - - -
Announcement Date 3/13/19 3/12/20 3/25/21 3/24/22 3/30/23 3/21/24 - -
1PLN in Million2PLN
Estimates

EPS & Dividend

Year-on-year evolution of the PER

Year-on-year evolution of the Yield

Change in Enterprise Value/EBITDA

Ratings for Powszechny Zaklad Ubezpiecze? Spólka Akcyjna

Trading Rating
Investor Rating
ESG Refinitiv
A-
More Ratings

Analysts' Consensus

Sell
Consensus
Buy
Mean consensus
OUTPERFORM
Number of Analysts
9
Last Close Price
51.5 PLN
Average target price
52.94 PLN
Spread / Average Target
+2.80%
Consensus

EPS Revisions

Estimates Revisions

Quarterly earnings - Rate of surprise

Company calendar

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