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 Income Statement
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 |
Premiums & Annuity Revenue | 29,324 | 28,851 | 27,541 | 25,354 | 23,619 | 23,232 |
Total Interest & Dividend Income | 25,457 | 26,717 | 27,156 | 26,020 | 17,887 | 10,440 |
Gain (Loss) on Sale of Investments | 1,623 | 1,524 | 767 | 635 | - | 786 |
Other Revenue | 5,974 | 6,230 | 5,530 | 6,627 | 2,464 | 4,294 |
| 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% |
Policy Benefits | 24,388 | 24,050 | 24,026 | 21,335 | 19,956 | 15,731 |
Policy Acquisition & Underwriting Costs | 1,277 | 1,237 | 1,323 | 1,742 | 1,449 | 3,744 |
Amortization of Goodwill & Intangibles | - | - | - | - | - | 33 |
Depreciation & Amortization | - | - | - | - | - | 40 |
Selling, General & Administrative | 10,047 | 9,498 | 8,840 | 8,083 | 5,450 | 6,934 |
Other Operating Expenses | 2,149 | 2,278 | 2,293 | 1,913 | 3,946 | 3,537 |
Total Operating Expenses | 37,861 | 37,063 | 36,482 | 33,144 | 30,801 | 30,746 |
Operating Income | 24,517 | 26,259 | 24,512 | 25,492 | 13,169 | 8,006 |
Interest Expense | -6,493 | -7,415 | -8,243 | -8,890 | -4,767 | -423 |
Earnings From Equity Investments | 2 | -5 | 8 | 10 | -25 | -15 |
Currency Exchange Gain (Loss) | -247 | -860 | -570 | -182 | -240 | -240 |
Other Non Operating Income (Expenses) | -169 | -175 | -39 | - | - | - |
EBT Excluding Unusual Items | 17,610 | 17,804 | 15,668 | 16,430 | 8,137 | 7,328 |
Merger & Restructuring Charges | - | - | - | - | - | -72 |
Gain (Loss) on Sale of Assets | 143 | 138 | 97 | 16 | - | 37 |
Asset Writedown | 23 | -100 | -60 | -301 | - | 184 |
Legal Settlements | - | - | - | - | - | -23 |
Other Unusual Items | -108 | - | - | - | - | - |
Pretax Income | 17,668 | 17,842 | 15,705 | 16,145 | 8,137 | 7,454 |
Income Tax Expense | 4,571 | 3,855 | 3,484 | 3,626 | 2,471 | 2,020 |
Earnings From Continuing Ops. | 13,097 | 13,987 | 12,221 | 12,519 | 5,666 | 5,434 |
Minority Interest in Earnings | -6,619 | -7,288 | -6,879 | -6,739 | -1,885 | -2,098 |
Net Income | 6,478 | 6,699 | 5,342 | 5,780 | 3,781 | 3,336 |
Net Income to Common | 6,478 | 6,699 | 5,342 | 5,780 | 3,781 | 3,336 |
Net Income Growth | 5.75% | 25.40% | -7.58% | 52.87% | 13.34% | 74.48% |
Shares Outstanding (Basic) | 863 | 863 | 863 | 863 | 863 | 863 |
Shares Outstanding (Diluted) | 863 | 863 | 863 | 863 | 863 | 863 |
Shares Change | -0.00% | -0.00% | -0.00% | -0.00% | 0.01% | 0.00% |
EPS (Basic) | 7.50 | 7.76 | 6.19 | 6.69 | 4.38 | 3.86 |
EPS (Diluted) | 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% |
Additional Metrics
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 |
Free Cash Flow | 13,370 | 9,011 | 26,951 | 26,953 | 20,664 | 6,157 |
Free Cash Flow Per Share | 15.49 | 10.44 | 31.22 | 31.22 | 23.93 | 7.13 |
Dividend Per Share | 4.800 | 4.800 | 4.470 | 4.340 | 2.400 | 1.940 |
Dividend Growth | 7.38% | 7.38% | 3.00% | 80.83% | 23.71% | -44.57% |
Operating Margin | 39.30% | 41.47% | 40.19% | 43.48% | 29.95% | 20.66% |
Profit Margin | 10.38% | 10.58% | 8.76% | 9.86% | 8.60% | 8.61% |
Free Cash Flow Margin | 21.43% | 14.23% | 44.19% | 45.97% | 47.00% | 15.89% |
EBITDA | 25,282 | 26,896 | 25,130 | 26,036 | 14,497 | 8,563 |
EBITDA Margin | 40.53% | 42.48% | 41.20% | 44.40% | 32.97% | 22.10% |
D&A For EBITDA | 765 | 637 | 618 | 544 | 1,328 | 557 |
EBIT | 24,517 | 26,259 | 24,512 | 25,492 | 13,169 | 8,006 |
EBIT Margin | 39.30% | 41.47% | 40.19% | 43.48% | 29.95% | 20.66% |
Effective Tax Rate | 25.87% | 21.61% | 22.18% | 22.46% | 30.37% | 27.10% |