Powszechny Zaklad Ubezpieczen SA (FRA:7PZ)
Germany · Delayed Price · Currency is EUR 15.24
+1.10 (7.78%)
At close: Nov 28, 2025
FRA:7PZ Income Statement
Financials in millions PLN. Fiscal year is January - December.
Millions PLN. Fiscal year is Jan - Dec.
Fiscal Year | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | 2015 - 2019 |
|---|---|---|---|---|---|---|---|
Period Ending | Sep '25 Sep 30, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 | Dec '20 Dec 31, 2020 | 2015 - 2019 |
Premiums & Annuity Revenue | 28,706 | 27,541 | 25,354 | 23,619 | 23,232 | 23,024 | Upgrade |
Total Interest & Dividend Income | 27,492 | 27,156 | 26,020 | 17,887 | 10,440 | 10,793 | Upgrade |
Gain (Loss) on Sale of Investments | 1,277 | 724 | 635 | - | 786 | 903 | Upgrade |
Other Revenue | 5,735 | 5,463 | 6,627 | 2,464 | 4,294 | 1,665 | Upgrade |
| 63,210 | 60,884 | 58,636 | 43,970 | 38,752 | 36,385 | Upgrade | |
Revenue Growth (YoY) | 4.49% | 3.83% | 33.36% | 13.46% | 6.50% | -8.04% | Upgrade |
Policy Benefits | 23,824 | 24,026 | 21,335 | 19,956 | 15,731 | 15,580 | Upgrade |
Policy Acquisition & Underwriting Costs | 1,200 | 1,323 | 1,742 | 1,449 | 3,744 | 3,485 | Upgrade |
Amortization of Goodwill & Intangibles | - | - | - | - | 33 | 25 | Upgrade |
Depreciation & Amortization | - | - | - | - | 40 | 28 | Upgrade |
Selling, General & Administrative | 9,228 | 8,840 | 8,083 | 5,450 | 6,934 | 6,666 | Upgrade |
Other Operating Expenses | 2,429 | 2,256 | 1,913 | 3,946 | 3,537 | 3,397 | Upgrade |
Total Operating Expenses | 36,647 | 36,411 | 33,144 | 30,801 | 30,746 | 29,816 | Upgrade |
Operating Income | 26,563 | 24,473 | 25,492 | 13,169 | 8,006 | 6,569 | Upgrade |
Interest Expense | -7,888 | -8,243 | -8,890 | -4,767 | -423 | -1,139 | Upgrade |
Earnings From Equity Investments | -4 | 8 | 10 | -25 | -15 | - | Upgrade |
Currency Exchange Gain (Loss) | -763 | -570 | -182 | -240 | -240 | 55 | Upgrade |
EBT Excluding Unusual Items | 17,908 | 15,668 | 16,430 | 8,137 | 7,328 | 5,485 | Upgrade |
Merger & Restructuring Charges | - | - | - | - | -72 | -144 | Upgrade |
Impairment of Goodwill | - | - | - | - | - | -1,301 | Upgrade |
Gain (Loss) on Sale of Assets | 97 | 97 | 16 | - | 37 | -6 | Upgrade |
Asset Writedown | -56 | -60 | -301 | - | 184 | 47 | Upgrade |
Legal Settlements | - | - | - | - | -23 | -23 | Upgrade |
Pretax Income | 17,949 | 15,705 | 16,145 | 8,137 | 7,454 | 4,058 | Upgrade |
Income Tax Expense | 3,955 | 3,484 | 3,626 | 2,471 | 2,020 | 1,528 | Upgrade |
Earnings From Continuing Ops. | 13,994 | 12,221 | 12,519 | 5,666 | 5,434 | 2,530 | Upgrade |
Minority Interest in Earnings | -7,088 | -6,879 | -6,739 | -1,885 | -2,098 | -618 | Upgrade |
Net Income | 6,906 | 5,342 | 5,780 | 3,781 | 3,336 | 1,912 | Upgrade |
Net Income to Common | 6,906 | 5,342 | 5,780 | 3,781 | 3,336 | 1,912 | Upgrade |
Net Income Growth | 30.97% | -7.58% | 52.87% | 13.34% | 74.48% | -41.97% | Upgrade |
Shares Outstanding (Basic) | 863 | 863 | 863 | 863 | 863 | 863 | Upgrade |
Shares Outstanding (Diluted) | 863 | 863 | 863 | 863 | 863 | 863 | Upgrade |
Shares Change (YoY) | -0.00% | -0.00% | -0.00% | 0.01% | 0.00% | 0.01% | Upgrade |
EPS (Basic) | 8.00 | 6.19 | 6.69 | 4.38 | 3.86 | 2.21 | Upgrade |
EPS (Diluted) | 8.00 | 6.19 | 6.69 | 4.38 | 3.86 | 2.21 | Upgrade |
EPS Growth | 31.03% | -7.58% | 52.87% | 13.33% | 74.48% | -41.98% | Upgrade |
Free Cash Flow | 9,194 | 26,951 | 26,953 | 20,664 | 6,157 | 27,315 | Upgrade |
Free Cash Flow Per Share | 10.65 | 31.22 | 31.22 | 23.93 | 7.13 | 31.64 | Upgrade |
Dividend Per Share | 4.470 | 4.470 | 4.340 | 2.400 | 1.940 | 3.500 | Upgrade |
Dividend Growth | 3.00% | 3.00% | 80.83% | 23.71% | -44.57% | - | Upgrade |
Operating Margin | 42.02% | 40.20% | 43.48% | 29.95% | 20.66% | 18.05% | Upgrade |
Profit Margin | 10.93% | 8.77% | 9.86% | 8.60% | 8.61% | 5.25% | Upgrade |
Free Cash Flow Margin | 14.54% | 44.27% | 45.97% | 47.00% | 15.89% | 75.07% | Upgrade |
EBITDA | 27,082 | 25,091 | 26,036 | 14,497 | 8,563 | 7,153 | Upgrade |
EBITDA Margin | 42.84% | 41.21% | 44.40% | 32.97% | 22.10% | 19.66% | Upgrade |
D&A For EBITDA | 519 | 618 | 544 | 1,328 | 557 | 584 | Upgrade |
EBIT | 26,563 | 24,473 | 25,492 | 13,169 | 8,006 | 6,569 | Upgrade |
EBIT Margin | 42.02% | 40.20% | 43.48% | 29.95% | 20.66% | 18.05% | Upgrade |
Effective Tax Rate | 22.04% | 22.18% | 22.46% | 30.37% | 27.10% | 37.65% | Upgrade |
Source: S&P Global Market Intelligence. Insurance template. Financial Sources.