Overview
Powszechny Zakład Ubezpieczeń SA (PZU SA) is a Poland-based company and one of the largest insurance groups in Central and Eastern Europe. PZU offers a comprehensive range of insurance products, including life, health, property, casualty, and motor insurance.
Basic Stats
The share price of Powszechny Zaklad Ubezpieczen SA as of September 5, 2025 is PLN61.04 / share. This is an increase of 0.79% from the prior week. The market cap (or net worth) of Powszechny Zaklad Ubezpieczen SA as of September 5, 2025 is PLN52,698.51 MM.
The Factor Analysis chart (below right) shows a view of Powszechny Zaklad Ubezpieczen SA from a variety of lenses. Each factor shows how well the company ranks against all other companies in the Fintel global investing universe. Factor scores range from zero to 100, with 100 being most desirable, and 50 being average.
For example, a company with a Value Score of 100 would be the most undervalued company in our database. A company with a Value Score of zero would be the most overvalued.
| Market Cap | 52,698.51 MM |
| EV | 102,906.51 MM |
| Shares Out. | 863.34 MM |
| Earnings Date | |
| EPS (TTM) | 7.10 |
| Dividend Yield | 7.26 % |
| Ex-Dividend Date | 2025-09-24 |
| Borrow Rate | |
| Short Shares Avail. | |
| Short Interest | |
| Short Float | |
| Days to Cover | |
| Risk Free Rate | 4.17 % |
| Price Change (1 yr) | 29.10 % |
| Volatility (1 yr) | 0.32 |
| Beta | 0.63 |
| Sharpe Ratio (1 yr) | 0.79 |
| Sortino Ratio (1 yr) | 1.15 |
| PE Ratio | 8.60 |
| Price/Book | 0.81 |
| Price/TBV | 2.07 |
| Book/Market | 1.23 |
| EBIT/EV | 0.16 |
| EBIT(3yr avg)/EV | 0.09 |
| ROA | 0.01 |
| ROE | 0.11 |
| ROIC | 0.06 |
| CROIC | 0.04 |
| OCROIC | 0.26 |
| Implied Volatility | |
| Put/Call OI Ratio |
| Growth | 83.88 /100 |
| Profitability | 77.86 /100 |
| Quality Score | |
| Value Score | 82.97 /100 |
| Momentum Score | 51.45 /100 |
| Stability (Low Vol) Score | 69.71 /100 |
| Analyst Sentiment | 42.71 /100 |
| Fund Sentiment | 77.86 /100 |
| Insider Sentiment | |
| Officer Sentiment | |
| Dividend Score | 84.45 /100 |
| QVM Score | |
| Piotroski F-SCORE | 6.00 /9 |
Factor Scores range from 0 to 100, with 100 being most desirable. Larger circles are better. In situations where we have no data (e.g. no insider trades), we plot the score at 50 to avoid penalizing companies. However, a company that does not pay dividends will get a Dividend Score of Zero. Additionally, we inverted volatility to create a "stability" metric which is better when higher.
Price Target
The average one-year price target for Powszechny Zaklad Ubezpieczen SA is PLN63.20. The forecasts range from a low of PLN49.79 to a high of PLN70.77. A stock’s price target is the price at which analysts consider it fairly valued with respect to its projected earnings and historical earnings. Analysts typically set price targets that correspond to their buy or sell recommendations.
Update Frequency: Monthly
Stock Upgrades/Downgrades
This card shows analyst upgrades/downgrades for Powszechny Zaklad Ubezpieczen SA. An analyst rating is a classification that gives investors a sense of analyst sentiment about the direction and performance of an equity - usually a stock - over a period of time, typically 12 months.
The standard analyst ratings are generally as follows:
- Buy/Overweight/Outperform - Any of these ratings conveys an analyst’s belief that the stock is likely to outperform a market index (e.g. the S&P 500).
- Hold/Equal-Weight/Market Perform - Any of these ratings conveys an analyst’s belief that the stock is likely to perform in line with a market index.
- Sell/Underweight/Underperform - Any of these ratings suggest that an analyst believes the stock is likely to underperform a market index.
When an analyst upgrades a stock, they are signaling that the company’s fundamentals are being undervalued by investors. It could also mean they believe the market is underestimating the company’s potential. The opposite is true when a stock receives a downgrade.
The average rating of each individual analyst’s rating is the consensus rating for a stock. This gives investors a broader sense of the overall sentiment for that stock.
| Date | Analyst | Prior | Latest Recommendation |
Action |
|---|---|---|---|---|
| 2023-04-03 | MBANK | Buy | Buy | Maintains |
| 2023-03-31 | SANTANDER BROKERAGE POLAND | Underperform | Neutral | Upgrade |
| 2023-03-30 | ERSTE GROUP | Hold | Hold | Maintains |
| 2023-03-30 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2023-03-27 | HSBC | Buy | Hold | Downgrade |
| 2022-11-24 | RAIFFEISEN RESEARCH INSTIT. EQUITY RESEARCH | Hold | Hold | Maintains |
| 2022-07-26 | SANTANDER BROKERAGE POLAND | Neutral | Underperform | Downgrade |
| 2022-06-03 | SANTANDER BROKERAGE POLAND | Neutral | Neutral | Maintains |
| 2022-05-23 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2022-02-07 | SANTANDER BROKERAGE POLAND | Hold | Neutral | Maintains |
| 2022-01-04 | SANTANDER BROKERAGE POLAND | Buy | Hold | Downgrade |
| 2021-09-28 | HAITONG RESEARCH | Neutral | Buy | Upgrade |
| 2021-08-26 | SANTANDER BROKERAGE POLAND | Buy | Buy | Maintains |
| 2021-04-30 | MBANK | Buy | Buy | Maintains |
| 2021-03-22 | HSBC | Buy | Buy | Maintains |
| 2021-01-25 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2020-12-18 | HAITONG RESEARCH | Neutral | Neutral | Maintains |
| 2023-05-24 | ERSTE GROUP | Hold | Hold | Maintains |
| 2023-05-24 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2023-05-24 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2023-05-24 | RAIFFEISEN RESEARCH INSTIT. EQUITY RESEARCH | Hold | Hold | Maintains |
| 2023-05-21 | HSBC | Hold | Hold | Maintains |
| 2023-05-11 | MBANK | Buy | Buy | Maintains |
| 2023-03-30 | SANTANDER BROKERAGE POLAND | Underperform | Neutral | Upgrade |
| 2022-07-25 | SANTANDER BROKERAGE POLAND | Neutral | Underperform | Downgrade |
| 2022-06-02 | SANTANDER BROKERAGE POLAND | Neutral | Neutral | Maintains |
| 2022-05-22 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2022-02-06 | SANTANDER BROKERAGE POLAND | Hold | Neutral | Maintains |
| 2022-01-03 | SANTANDER BROKERAGE POLAND | Buy | Hold | Downgrade |
| 2021-09-27 | HAITONG RESEARCH | Buy | Buy | Maintains |
| 2021-08-25 | SANTANDER BROKERAGE POLAND | Buy | Buy | Maintains |
| 2021-04-29 | MBANK | Buy | Buy | Maintains |
| 2021-01-24 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2023-08-30 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2023-08-27 | HSBC | Hold | Hold | Maintains |
| 2023-08-17 | MBANK | Buy | Buy | Maintains |
| 2023-08-15 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2023-07-23 | SANTANDER BROKERAGE POLAND | Neutral | Underperform | Downgrade |
| 2023-12-04 | MBANK | Hold | Buy | Upgrade |
| 2023-11-27 | SANTANDER BROKERAGE POLAND | Underperform | Underperform | Maintains |
| 2023-11-27 | HSBC | Hold | Buy | Upgrade |
| 2023-11-23 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2023-11-02 | MBANK | Buy | Hold | Downgrade |
| 2023-09-15 | MBANK | Buy | Buy | Maintains |
| 2023-08-31 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2023-08-31 | RAIFFEISEN RESEARCH INSTIT. EQUITY RESEARCH | Hold | Hold | Maintains |
| 2023-08-28 | HSBC | Hold | Hold | Maintains |
| 2023-08-18 | MBANK | Buy | Buy | Maintains |
| 2023-08-16 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2023-07-24 | SANTANDER BROKERAGE POLAND | Neutral | Underperform | Downgrade |
| 2023-05-25 | ERSTE GROUP | Hold | Hold | Maintains |
| 2023-05-25 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2023-05-25 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2023-05-25 | RAIFFEISEN RESEARCH INSTIT. EQUITY RESEARCH | Hold | Hold | Maintains |
| 2023-05-22 | HSBC | Hold | Hold | Maintains |
| 2023-05-12 | MBANK | Buy | Buy | Maintains |
| 2021-09-28 | HAITONG RESEARCH | Buy | Buy | Maintains |
| 2024-07-15 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2024-05-26 | HSBC | Buy | Buy | Maintains |
| 2024-05-22 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2024-05-20 | ERSTE GROUP | Hold | Hold | Maintains |
| 2024-05-16 | SANTANDER BROKERAGE POLAND | Underperform | Underperform | Maintains |
| 2023-12-03 | MBANK | Hold | Buy | Upgrade |
| 2023-11-26 | SANTANDER BROKERAGE POLAND | Underperform | Underperform | Maintains |
| 2023-11-26 | HSBC | Hold | Buy | Upgrade |
| 2023-11-22 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2023-11-01 | MBANK | Buy | Hold | Downgrade |
| 2023-09-14 | MBANK | Buy | Buy | Maintains |
| 2023-08-30 | RAIFFEISEN RESEARCH INSTIT. EQUITY RESEARCH | Hold | Hold | Maintains |
| 2024-12-29 | MBANK | Buy | Buy | Maintains |
| 2024-12-19 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2024-12-01 | ERSTE GROUP | Hold | Buy | Upgrade |
| 2024-11-24 | SANTANDER BROKERAGE POLAND | Neutral | Outperform | Upgrade |
| 2024-11-24 | HSBC | Buy | Buy | Maintains |
| 2024-10-03 | SANTANDER BROKERAGE POLAND | Underperform | Neutral | Upgrade |
| 2024-09-15 | ERSTE GROUP | Hold | Hold | Maintains |
| 2024-08-29 | IPOPEMA SECURITIES | Buy | Buy | Maintains |
| 2024-08-28 | RAIFFEISEN RESEARCH INSTIT. EQUITY RESEARCH | Hold | Hold | Maintains |
| 2025-03-31 | MBANK | Buy | Buy | Maintains |
| 2025-03-26 | ERSTE GROUP | Buy | Buy | Maintains |
| 2025-03-23 | HSBC | Buy | Buy | Maintains |
| 2025-01-30 | SANTANDER BROKERAGE POLAND | Outperform | Outperform | Maintains |
| 2025-06-30 | WOOD & COMPANY | Buy | Buy | Maintains |
| 2025-06-01 | ERSTE GROUP | Buy | Buy | Maintains |
| 2025-05-25 | HSBC | Buy | Hold | Downgrade |
| 2025-04-23 | MBANK | Buy | Buy | Maintains |
