Powszechny Zaklad Ubezpieczen SA (WSE:PZU)
Poland · Delayed Price · Currency is PLN 74.30
+0.24 (0.32%)
Sep 2, 2026, 5:02 PM CET
WSE:PZU Financials Overview
Financials in millions PLN. Fiscal year is January - December.
Millions PLN. Fiscal year is Jan - Dec.
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Revenue Revenue Growth | 62,378 | 63,322 | 60,994 | 58,636 | 43,970 | 38,752 |
Revenue Growth | -1.19% | 3.82% | 4.02% | 33.36% | 13.46% | 6.50% |
Operating Income Operating Income Growth | 24,517 | 26,259 | 24,512 | 25,492 | 13,169 | 8,006 |
Net Income Net Income Growth | 6,478 | 6,699 | 5,342 | 5,780 | 3,781 | 3,336 |
Earnings Per Share EPS Growth | 7.50 | 7.76 | 6.19 | 6.69 | 4.38 | 3.86 |
EPS Growth | 5.75% | 25.41% | -7.58% | 52.87% | 13.33% | 74.48% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 |
|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 |
Life Investment Insurance Life Investment Insurance Growth | -815 | -819 | -231 | 161 |
Ukraine Ukraine Growth | 294 | 248 | 218 | 311 |
Baltic Countries Baltic Countries Growth | 2,871 | 2,767 | 2,571 | 3,028 |
Individual Protective Insurance Individual Protective Insurance Growth | 886 | 755 | 637 | 1,249 |
Group and Individually Continued Insurance Group and Individually Continued Insurance Growth | 7,523 | 7,402 | 7,318 | 10,586 |
Corporate Insurance Corporate Insurance Growth | 3,388 | 3,301 | 2,999 | 5,874 |
Mass Insurance Mass Insurance Growth | 13,112 | 13,156 | 12,606 | 15,934 |
Investments Investments Growth | 290 | 189 | 150 | 1,032 |
Investment Contracts Investment Contracts Growth | 0 | 2 | 2 | 10 |
Pensions Pensions Growth | 243 | 209 | 184 | 284 |
Banking Activities Banking Activities Growth | 4,130 | 5,277 | 5,027 | 41,340 |
Other Other Growth | -264 | -243 | -200 | -985 |
Total Total Growth | 31,658 | 32,244 | 31,281 | 78,824 |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash & Investments Cash & Investments Growth | 23,969 | 16,223 | 15,118 | 17,681 | 15,933 | 6,967 |
Total Debt Total Debt Growth | 49,338 | 45,417 | 38,689 | 41,063 | 24,994 | 30,789 |
Net Cash (Debt) Net Cash Growth | -25,369 | -29,194 | -23,571 | -23,382 | -9,061 | -23,822 |
Net Cash Growth | - | - | - | - | - | - |
Net Cash Per Share Net Cash Per Share Growth | -29.39 | -33.82 | -27.30 | -27.08 | -10.49 | -27.59 |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Cash Flow Operating Cash Flow Growth | 15,037 | 10,519 | 28,341 | 28,249 | 21,690 | 7,412 |
Capital Expenditures CapEx Growth | -1,667 | -1,508 | -1,390 | -1,296 | -1,026 | -1,255 |
Free Cash Flow Free Cash Flow Growth | 13,370 | 9,011 | 26,951 | 26,953 | 20,664 | 6,157 |
Free Cash Flow Growth | -49.38% | -66.56% | -0.01% | 30.44% | 235.62% | -77.46% |
| Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Operating Margin | 39.30% | 41.47% | 40.19% | 43.48% | 29.95% | 20.66% |
Pretax Margin | 28.32% | 28.18% | 25.75% | 27.53% | 18.51% | 19.24% |
Profit Margin | 10.38% | 10.58% | 8.76% | 9.86% | 8.60% | 8.61% |
FCF Margin | 21.43% | 14.23% | 44.19% | 45.97% | 47.00% | 15.89% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Dividend Per Share Dividend Per Share Growth | 4.800 | 4.800 | 4.470 | 4.340 | 2.400 | 1.940 |
Dividend Per Share Growth | 7.38% | 7.38% | 3.00% | 80.83% | 23.71% | -44.57% |
Dividend Yield | 6.48% | 7.19% | 10.53% | 10.93% | 8.57% | 7.46% |
| Fiscal Year | Current | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
| Period Ending | Sep '26 Sep 2, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
PE Ratio | 9.87 | 8.60 | 7.41 | 7.06 | 8.09 | 9.15 |
Forward PE | 10.78 | 9.69 | 7.79 | 8.23 | 9.61 | 9.95 |
P/FCF Ratio | 4.78 | 6.40 | 1.47 | 1.51 | 1.48 | 4.96 |
PS Ratio | 1.03 | 0.91 | 0.65 | 0.70 | 0.70 | 0.79 |