Powszechny Zaklad Ubezpieczen SA (FRA:7PZ)

FRA:7PZ Statistics

Total Valuation

FRA:7PZ has a market cap or net worth of EUR 12.92 billion. The enterprise value is 26.64 billion.

Market Cap	12.92B
Enterprise Value	26.64B

Important Dates

The last earnings date was Thursday, November 20, 2025.

Earnings Date	Nov 20, 2025
Ex-Dividend Date	Sep 24, 2025

Share Statistics

Current Share Class	863.52M
Shares Outstanding	n/a
Shares Change (YoY)	-0.00%
Shares Change (QoQ)	-0.00%
Owned by Insiders (%)	n/a
Owned by Institutions (%)	32.94%
Float	568.30M

Valuation Ratios

The trailing PE ratio is 7.99 and the forward PE ratio is 9.20.

PE Ratio	7.99
Forward PE	9.20
PS Ratio	0.87
PB Ratio	0.80
P/TBV Ratio	2.01
P/FCF Ratio	6.00
P/OCF Ratio	5.24
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.11, with an EV/FCF ratio of 12.36.

EV / Earnings	16.46
EV / Sales	1.78
EV / EBITDA	4.11
EV / EBIT	4.24
EV / FCF	12.36

Financial Position

The company has a current ratio of 4.08, with a Debt / Equity ratio of 0.59.

Current Ratio	4.08
Quick Ratio	3.70
Debt / Equity	0.59
Debt / EBITDA	1.49
Debt / FCF	4.45
Interest Coverage	3.37

Financial Efficiency

Return on equity (ROE) is 21.37% and return on invested capital (ROIC) is 15.52%.

Return on Equity (ROE)	21.37%
Return on Assets (ROA)	3.28%
Return on Invested Capital (ROIC)	15.52%
Return on Capital Employed (ROCE)	5.26%
Revenue Per Employee	390,879
Profits Per Employee	42,705
Employee Count	44,178
Asset Turnover	0.12
Inventory Turnover	476.00

Taxes

In the past 12 months, FRA:7PZ has paid 926.87 million in taxes.

Income Tax	926.87M
Effective Tax Rate	22.03%

Stock Price Statistics

The stock price has increased by +54.67% in the last 52 weeks.

Beta (5Y)	n/a
52-Week Price Change	+54.67%
50-Day Moving Average	13.77
200-Day Moving Average	14.07
Relative Strength Index (RSI)	54.39
Average Volume (20 Days)	800

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FRA:7PZ had revenue of EUR 14.81 billion and earned 1.62 billion in profits. Earnings per share was 1.87.

Revenue	14.81B
Gross Profit	8.96B
Operating Income	6.23B
Pretax Income	4.21B
Net Income	1.62B
EBITDA	6.35B
EBIT	6.23B
Earnings Per Share (EPS)	1.87

Balance Sheet

The company has 11.83 billion in cash and 9.58 billion in debt, giving a net cash position of -5.41 billion.

Cash & Cash Equivalents	11.83B
Total Debt	9.58B
Net Cash	-5.41B
Net Cash Per Share	n/a
Equity (Book Value)	16.13B
Book Value Per Share	9.21
Working Capital	10.68B

Cash Flow

In the last 12 months, operating cash flow was 2.47 billion and capital expenditures -313.57 million, giving a free cash flow of 2.15 billion.

Operating Cash Flow	2.47B
Capital Expenditures	-313.57M
Free Cash Flow	2.15B
FCF Per Share	n/a

Margins

Gross margin is 60.47%, with operating and profit margins of 42.02% and 10.93%.

Gross Margin	60.47%
Operating Margin	42.02%
Pretax Margin	28.40%
Profit Margin	10.93%
EBITDA Margin	42.84%
EBIT Margin	42.02%
FCF Margin	14.55%

Dividends & Yields

This stock pays an annual dividend of 1.05, which amounts to a dividend yield of 6.89%.

Dividend Per Share	1.05
Dividend Yield	6.89%
Dividend Growth (YoY)	3.44%
Years of Dividend Growth	2
Payout Ratio	54.27%
Buyback Yield	0.00%
Shareholder Yield	6.89%
Earnings Yield	12.52%
FCF Yield	16.67%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

The last stock split was on November 30, 2015. It was a forward split with a ratio of 10.

Last Split Date	Nov 30, 2015
Split Type	Forward
Split Ratio	10

Scores

Altman Z-Score	n/a
Piotroski F-Score	4