Stocktoria
Powszechny Zaklad Ubezpieczen SA PZU.WA
Powszechny Zaklad Ubezpieczen SA statistics & valuation
Multiples are price-derived and refreshed daily; everything else from the latest financial reports. The Graham number is Benjamin Graham's rough maximum fair value (zł 84.69); a green figure means the price is below it.
Profitability & efficiency
Margins and returns computed from annual filings. Falling shares outstanding = buybacks; rising = dilution. Net debt = debt − cash (negative = net cash).
P / E vs its own history
Powszechny Zaklad Ubezpieczen SA trades at about 9.4× earnings — above its 10-year norm (10-year range 7.2×–9×, median 8.4×).
Shaded band = 10-year range (7.2×–9×); dot = today's 9.4×.
Historical P/E = month-end price near each fiscal year-end ÷ that year's EPS. A read on whether the stock is cheap or dear relative to how it has typically been valued — not a forecast.
Key ratios (by fiscal year)
| Ratio | FY2025 | FY2024 | FY2023 | FY2022 |
|---|---|---|---|---|
| Net margin | 10.4% | 8.5% | 10.6% | 9.1% |
| FCF margin | 13.9% | 43.1% | 49.5% | 49.5% |
| Return on assets | 1.3% | 1.1% | 1.2% | 0.9% |
| Return on equity | 18.9% | 16.6% | 19.2% | 14.5% |
| Debt / equity | 0.99× | 0.90× | 0.80× | 0.87× |
Computed from company filings · PL · as of 2025-12-31. Figures in PLN. Facts plus Stocktoria's own computed scores — not investment advice.