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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".
Safety - relates to the amount of debt a company has. Green is low debt level; red is high debt level.
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Powszechny Zaklad Ubezpieczen Spólka Akcyjna stock research in summary
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 43 (worse than 57% of alternatives), show below-average growth (Growth Rank of 39), and are riskily financed (Safety Rank of 18), which means above-average debt burdens. ...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's key financial metrics all exhibit below-average performance, such as low value (Obermatt Value Rank of 43), low growth (Obermatt Growth Rank of 39), and risky financing practices (Obermatt Safety Rank of 18), it is a somewhat questionable stock investment, where the risk of paying too much for the shares is significant, unless the company has an exceptionally bright future. Such poor financial performance sometimes indicates that the company's business is all concentrated in some distant future. This is sometimes the case for high-tech or biotechnology companies. If they own properties that only provide cash flows in the future, the stock may look excessively expensive and risky today. In such cases, the Obermatt Method has limited value as it is based on facts we can observe today. If the facts are all in the future, stock investing becomes guesswork, and this should only be a driver in a limited number of investments that should only amount to a small fraction of a safe portfolio. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more
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360° Viewnew| Country | Poland |
| Industry | Multi-line Insurance |
| Index | WIG 20 |
| Size class | XX-Large |
This stock has achievements: Top 10 Stock.
27-Mar-2025. Stock data may be delayed. Log in or sign up to get the most recent research.
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Research History: Powszechny Zaklad Ubezpieczen Spólka Akcyjna
| RESEARCH HISTORY | 2022 | 2023 | 2024 | 2025 | ||||
|---|---|---|---|---|---|---|---|---|
| VALUE | ||||||||
| VALUE | 29 |
|
31 |
|
41 |
|
43 |
|
| GROWTH | ||||||||
| GROWTH | 71 |
|
99 |
|
33 |
|
39 |
|
| SAFETY | ||||||||
| SAFETY | 18 |
|
18 |
|
18 |
|
18 |
|
| SENTIMENT | ||||||||
| SENTIMENT | 95 |
|
99 |
|
85 |
|
new |
|
| 360° VIEW | ||||||||
| 360° VIEW | 77 |
|
91 |
|
91 |
|
new |
|
Combined financial peformance in Detail
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 43 (worse than 57% of alternatives), show below-average growth (Growth Rank of 39), and are riskily financed (Safety Rank of 18), which means above-average debt burdens. ...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's key financial metrics all exhibit below-average performance, such as low value (Obermatt Value Rank of 43), low growth (Obermatt Growth Rank of 39), and risky financing practices (Obermatt Safety Rank of 18), it is a somewhat questionable stock investment, where the risk of paying too much for the shares is significant, unless the company has an exceptionally bright future. Such poor financial performance sometimes indicates that the company's business is all concentrated in some distant future. This is sometimes the case for high-tech or biotechnology companies. If they own properties that only provide cash flows in the future, the stock may look excessively expensive and risky today. In such cases, the Obermatt Method has limited value as it is based on facts we can observe today. If the facts are all in the future, stock investing becomes guesswork, and this should only be a driver in a limited number of investments that should only amount to a small fraction of a safe portfolio. Obermatt Premium subscribers can further check the stock’s Sentiment Ranks, which also flow into the Obermatt 360° View for investors. ...read more
| RESEARCH HISTORY | 2022 | 2023 | 2024 | 2025 | ||||
|---|---|---|---|---|---|---|---|---|
| VALUE | ||||||||
| VALUE | 29 |
|
31 |
|
41 |
|
43 |
|
| GROWTH | ||||||||
| GROWTH | 71 |
|
99 |
|
33 |
|
39 |
|
| SAFETY | ||||||||
| SAFETY | 18 |
|
18 |
|
18 |
|
18 |
|
| COMBINED | ||||||||
| COMBINED | 1 |
|
1 |
|
1 |
|
1 |
|
Value Metrics in Detail
ANALYSIS: With an Obermatt Value Rank of 43 (worse than 57% 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 17 which means that the stock price compared with what market professionals expect for future profits is higher than 83% 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 45 which means that the stock price compared with what market professionals expect for future profit levels is higher than 55% of comparable companies. In addition, Price-to-Book (also referred to as market-to-book ratio) with a Price-to-Book Rank of 33 is also low. Compared with invested capital, the stock price is higher than for 67% of comparable investments. ...read more
RECOMMENDATION: The overall picture with a consolidated Value Rank of 43, 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 |
|
17 |
|
| PRICE VS. PROFITS (P/E) | ||||||||
| PRICE VS. PROFITS (P/E) | 29 |
|
36 |
|
37 |
|
45 |
|
| PRICE VS. CAPITAL (Market-to-Book) | ||||||||
| PRICE VS. CAPITAL (Market-to-Book) | 16 |
|
19 |
|
31 |
|
33 |
|
| DIVIDEND YIELD | ||||||||
| DIVIDEND YIELD | 71 |
|
74 |
|
81 |
|
83 |
|
| CONSOLIDATED RANK: VALUE | ||||||||
| CONSOLIDATED RANK: VALUE | 29 |
|
31 |
|
41 |
|
43 |
|
Growth Metrics in Detail
ANALYSIS: With an Obermatt Growth Rank of 39 (better than 39% compared with alternatives), Powszechny Zaklad Ubezpieczen Spólka Akcyjna shows a below-average growth dynamic in its industry. There is limited momentum in this company. The Growth Rank is based on consolidating four value indicators, with three out of four indicators below average for Powszechny Zaklad Ubezpieczen Spólka Akcyjna. Only Capital Growth has a good rank of 86, which means that currently professionals expect the company to grow its invested capital more than 17% of its competitors. The other three indicators are pointing South: Sales Growth has a rank of 27 which means that currently professionals expect the company to grow less than 73% of its competitors. Profit Growth with a rank of 17 and Stock Returns with a rank of 49 are also low (below 51% of alternative investments). ...read more
RECOMMENDATION: The overall picture with a consolidated Growth Rank of 39, is a hold recommendation for growth and momentum investors. The good news from the invested capital side is surprising. A company with disappointing revenues, profits, and disappointed shareholders typically doesn't invest above average. Overall, the growth momentum for Powszechny Zaklad Ubezpieczen Spólka Akcyjna is thus negative. As it is intriguing to see that company executives are optimistic about their investment policy, it is worthwhile looking into the details of the capital investment projects. They may indicate future growth and profits and thus if accompanied by a good value, a sign of good timing to invest in the stock. 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, especially since the growth performance is limited here. ...read more
| GROWTH METRICS | 2022 | 2023 | 2024 | 2025 | ||||
|---|---|---|---|---|---|---|---|---|
| REVENUE GROWTH | ||||||||
| REVENUE GROWTH | 25 |
|
36 |
|
25 |
|
27 |
|
| PROFIT GROWTH | ||||||||
| PROFIT GROWTH | 72 |
|
82 |
|
18 |
|
17 |
|
| CAPITAL GROWTH | ||||||||
| CAPITAL GROWTH | 77 |
|
100 |
|
88 |
|
86 |
|
| STOCK RETURNS | ||||||||
| STOCK RETURNS | 63 |
|
99 |
|
51 |
|
49 |
|
| CONSOLIDATED RANK: GROWTH | ||||||||
| CONSOLIDATED RANK: GROWTH | 71 |
|
99 |
|
33 |
|
39 |
|
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 3, meaning the company has an above-average debt-to-equity ratio. It has more debt than 97% of its competitors. Liquidity is also on the riskier side with a rank of 27, meaning the company generates less profit to service its debt than 73% 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 |
|
3 |
|
| REFINANCING | ||||||||
| REFINANCING | 66 |
|
66 |
|
66 |
|
66 |
|
| LIQUIDITY | ||||||||
| LIQUIDITY | 49 |
|
24 |
|
23 |
|
27 |
|
| CONSOLIDATED RANK: SAFETY | ||||||||
| CONSOLIDATED RANK: SAFETY | 18 |
|
18 |
|
18 |
|
18 |
|
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 |
|
Free stock analysis by the purely fact based Obermatt Method for Powszechny Zaklad Ubezpieczen Spólka Akcyjna from March 27, 2025.
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