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Powszechny Zaklad Ubezpieczen Spólka Akcyjna (WSE:PZU)

PLPZU0000011

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Growth - shows a company's growth potential. Green is "high growth" expected; red is "tough times ahead".

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Powszechny Zaklad Ubezpieczen Spólka Akcyjna stock research in summary

pzu.pl

ANALYSIS: With an Obermatt Combined Rank of 1 (worse than 99% compared with investment alternatives), Powszechny Zaklad Ubezpieczen Spólka Akcyjna (Multi-line Insurance, Poland) shares have lower financial characteristics compared with similar stocks. Shares of Powszechny Zaklad Ubezpieczen Spólka Akcyjna are low in value (priced high) with a consolidated Value Rank of 39 (worse than 61% of alternatives), and are riskily financed (Safety Rank of 18, which means above-average debt burdens) but show above-average growth (Growth Rank of 89). ...read more

RECOMMENDATION: A Combined Rank of 1, is a sell recommendation based on Powszechny Zaklad Ubezpieczen Spólka Akcyjna's financial characteristics. As the company Powszechny Zaklad Ubezpieczen Spólka Akcyjna shows low value with an Obermatt Value Rank of 39 (61% of comparable investments are less expensive), investors should look at the other ranks. In this case, growth is expected to be above-average, better than 89% of comparable companies (Obermatt Growth Rank is 89). This is a typical case. Companies with above average growth tend to cost more than stocks with slower growth expectations. If this is a high-growth company, the low Obermatt Safety Rank of 18 is a good sign. The more debt a well-performing company has, the higher the returns to shareholders. However, if growth turns negative or interest rates increase, high debt may become a burden. If you believe the future is bright for Powszechny Zaklad Ubezpieczen Spólka Akcyjna, even a low-value company (in terms of its key financial indicators) can be a good investment. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more

Latest Obermatt Ranks


360° View^new
Sentiment Rank^new
Value Rank	39
Growth Rank	89
Safety Rank	18
Combined Rank	1

Country	Poland
Industry	Multi-line Insurance
Index	WIG 20
Size class	Large

This stock has achievements: Top 10 Stock.

31-Jul-2025. Stock data may be delayed. Log in or sign up to get the most recent research.

Further information

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Review the performance ranks of the individual metrics that form each investment strategy.

Research History: Powszechny Zaklad Ubezpieczen Spólka Akcyjna

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	29	31	41	39
GROWTH
GROWTH	71	99	33	89
SAFETY
SAFETY	18	18	18	18
SENTIMENT
SENTIMENT	95	99	85	^new
360° VIEW
360° VIEW	77	91	91	^new

Most recent update of the stock research: 31-Jul-2025. Financial reporting date used for calculating ranks: 31-Mar-2025. Stock research history is based on the Obermatt Method. The higher the rank, the better Powszechny Zaklad Ubezpieczen Spólka Akcyjna is in the corresponding investment strategy.
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Combined financial peformance in Detail

RESEARCH HISTORY	2022	2023	2024	2025
VALUE
VALUE	29	31	41	39
GROWTH
GROWTH	71	99	33	89
SAFETY
SAFETY	18	18	18	18
COMBINED
COMBINED	1	1	1	1

Last update of combined financial performance: 6-Oct-2022. Stock analysis on combined financial performance: The higher the rank of Powszechny Zaklad Ubezpieczen Spólka Akcyjna the better the performance.

Value Metrics in Detail

ANALYSIS: With an Obermatt Value Rank of 39 (worse than 61% compared with alternatives), Powszechny Zaklad Ubezpieczen Spólka Akcyjna shares are more expensive than the average comparable stock. The Value Rank is based on consolidating four value indicators, with three out of four indicators below average for Powszechny Zaklad Ubezpieczen Spólka Akcyjna. Only the metric dividend yield has an above-average rank, reflecting that dividend practices are expected to be higher than 83% of comparable companies, making the stock an attractive buy for dividend investors. However, dividend investors may get disappointed because all other critical financial indicators are below the market median: Price-to-Sales is 18 which means that the stock price compared with what market professionals expect for future profits is higher than 82% of comparable companies, indicating a low value concerning Powszechny Zaklad Ubezpieczen Spólka Akcyjna's sales levels. The same is valid for Price-to-Profit (also referred to as price-earnings, P/E) with a rank of 40 which means that the stock price compared with what market professionals expect for future profit levels is higher than 60% of comparable companies. In addition, Price-to-Book (also referred to as market-to-book ratio) with a Price-to-Book Rank of 38 is also low. Compared with invested capital, the stock price is higher than for 62% of comparable investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Value Rank of 39, is a hold recommendation based on Powszechny Zaklad Ubezpieczen Spólka Akcyjna's stock price compared with the company's operational size and dividend yields. Should dividend investors pick Powszechny Zaklad Ubezpieczen Spólka Akcyjna? The company-reported financials speak against it. The company is expensive compared with revenue and invested capital levels, two reliable company size indicators. In addition, it currently has a low level of profits. How can future dividends be paid in the case that profits remain low? Dividend investors should choose Powszechny Zaklad Ubezpieczen Spólka Akcyjna only if they reasonably expect the low current profit levels to be transitory. We recommend further analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks, including the 360° View, before making an investment decision, which is essential in this case, as the financial indicators are inconclusive. ...read more

VALUE METRICS	2022	2023	2024	2025
PRICE VS. REVENUES (P/S)
PRICE VS. REVENUES (P/S)	27	18	17	18
PRICE VS. PROFITS (P/E)
PRICE VS. PROFITS (P/E)	29	36	37	40
PRICE VS. CAPITAL (Market-to-Book)
PRICE VS. CAPITAL (Market-to-Book)	16	19	31	38
DIVIDEND YIELD
DIVIDEND YIELD	71	74	81	83
CONSOLIDATED RANK: VALUE
CONSOLIDATED RANK: VALUE	29	31	41	39

Last update of Value Rank: 31-Jul-2025. Stock analysis on value ratios: The higher the rank, the lower the value ratio of Powszechny Zaklad Ubezpieczen Spólka Akcyjna; except for dividend yield where the rank is higher, the higher the yield.

Growth Metrics in Detail

ANALYSIS: With an Obermatt Growth Rank of 89 (better than 89% compared with alternatives) for 2022, Powszechny Zaklad Ubezpieczen Spólka Akcyjna shows one of the highest growth dynamics in its industry. Investors also speak of high momentum. The Growth Rank is based on consolidating four value indicators, with all four indicators above average for Powszechny Zaklad Ubezpieczen Spólka Akcyjna. Sales Growth has a value of 89, which means that, currently, professionals expect the company to grow more than 89% of its competitors. The same is valid for Profit Growth with a value of 53 and for Capital Growth with 69. In addition, Stock Returns had an above-average rank value of 67, which means they have been higher than 67% of comparable investments. ...read more

RECOMMENDATION: The overall picture with a consolidated Growth Rank of 89, is a buy recommendation for growth and momentum investors. Since all Growth Ranks are positive, Powszechny Zaklad Ubezpieczen Spólka Akcyjna exhibits above-average growth momentum. This could be due to a uniquely strong market position, proprietary technology, or an extensive corporate acquisition strategy. Growth investors will find this an attractive investment opportunity, unless they expect that the current phase is transitory and will deteriorate in the future. The current performance could also be a temporary recovery from a very low point, such as a turn-around situation. In the case of a turn-around, the current performance may or may not be followed by a continuing positive development. While momentum is a popular investment factor, the value aspect might be the more important one, in the longer term. We recommend analyzing the stock with Obermatt’s Value, Safety, and Sentiment Ranks to arrive at a 360° View of the stock purchase case. ...read more

GROWTH METRICS	2022	2023	2024	2025
REVENUE GROWTH
REVENUE GROWTH	25	36	25	89
PROFIT GROWTH
PROFIT GROWTH	72	82	18	53
CAPITAL GROWTH
CAPITAL GROWTH	77	100	88	69
STOCK RETURNS
STOCK RETURNS	63	99	51	67
CONSOLIDATED RANK: GROWTH
CONSOLIDATED RANK: GROWTH	71	99	33	89

Last update of Growth Rank: 31-Jul-2025. Stock analysis on growth metrics: The higher the rank, the higher the growth and returns of Powszechny Zaklad Ubezpieczen Spólka Akcyjna.

Safety Metrics in Detail

ANALYSIS: With an Obermatt Safety Rank of 18 (better than 18% compared with alternatives), the company Powszechny Zaklad Ubezpieczen Spólka Akcyjna has much riskier financing practices than comparable other companies, which means that their overall debt burden is significantly above the industry average. This doesn't mean that the business of Powszechny Zaklad Ubezpieczen Spólka Akcyjna is also risky, it only means that the company is on the riskier side in respect to bankruptcy in case things turn sour, assuming that public reporting is correct. The Safety Rank is based on consolidating three financing indicators, with just one indicator above average for Powszechny Zaklad Ubezpieczen Spólka Akcyjna and the other two below average. Refinancing is at 66, meaning the portion of the debt about to be refinanced is below average. It has less debt in the refinancing stage than 66% of its competitors. But Leverage is high with a rank of 4, meaning the company has an above-average debt-to-equity ratio. It has more debt than 96% of its competitors. Liquidity is also on the riskier side with a rank of 29, meaning the company generates less profit to service its debt than 71% of its competitors. ...read more

RECOMMENDATION: With a consolidated Safety Rank of 18 (worse than 82% compared with alternatives), Powszechny Zaklad Ubezpieczen Spólka Akcyjna has a financing structure that is significantly riskier than that of its competitors. A good Refinancing Rank means that the problems of the company may not be around the corner. But high Leverage is only good if things go well, and low Liquidity is a signal for caution. The financing signals for Powszechny Zaklad Ubezpieczen Spólka Akcyjna are on the riskier side, requiring the company's future to be on the safer side. Investors may want to look at Growth and Sentiment ranks before making an investment decision. In the long-term, investors may have a debt challenge with Powszechny Zaklad Ubezpieczen Spólka Akcyjna and should also compare Obermatt’s Value, Growth, and Sentiment Ranks before making a decision. ...read more

SAFETY METRICS	2022	2023	2024	2025
LEVERAGE
LEVERAGE	2	4	3	4
REFINANCING
REFINANCING	66	66	66	66
LIQUIDITY
LIQUIDITY	49	24	23	29
CONSOLIDATED RANK: SAFETY
CONSOLIDATED RANK: SAFETY	18	18	18	18

Last update of Safety Rank: 6-Oct-2022. Stock analysis on safety metrics: The higher the rank, the lower the leverage of Powszechny Zaklad Ubezpieczen Spólka Akcyjna and the more cash is available to service its debt.

Sentiment Metrics in Detail

SENTIMENT	2022	2023	2024	2025
ANALYST OPINIONS
ANALYST OPINIONS	n/a	50	71	^new
OPINIONS CHANGE
OPINIONS CHANGE	50	97	42	^new
PRO HOLDINGS
PRO HOLDINGS	99	77	79	^new
MARKET PULSE
MARKET PULSE	96	95	62	^new
CONSOLIDATED RANK: SENTIMENT
CONSOLIDATED RANK: SENTIMENT	95	99	85	^new

Last update of Sentiment Rank: 31-Jul-2025. Stock analysis on sentiment metrics: The higher the rank, the more positive the sentiment for Powszechny Zaklad Ubezpieczen Spólka Akcyjna.
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