WSE:PZU Ratios and Metrics

Market cap in millions PLN. Fiscal year is January - December.

Millions PLN. Fiscal year is Jan - Dec.

Fiscal Year	Current	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Apr '26 Apr 16, 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
Market Capitalization	58,702	57,632	39,584	40,812	30,581	30,519
Market Cap Growth	17.53%	45.59%	-3.01%	33.45%	0.20%	9.24%
Enterprise Value	125,078	115,630	89,533	94,287	76,950	72,077
PE Ratio	8.76	8.60	7.41	7.06	8.09	9.15
PS Ratio	0.93	0.91	0.65	0.70	0.70	0.79
PB Ratio	0.81	0.79	0.61	0.67	0.63	0.76
P/FCF Ratio	6.51	6.40	1.47	1.51	1.48	4.96
P/OCF Ratio	5.58	5.48	1.40	1.45	1.41	4.12
EV/Sales Ratio	1.98	1.83	1.47	1.61	1.75	1.86
EV/EBITDA Ratio	4.59	4.30	3.56	3.62	5.31	8.42
EV/EBIT Ratio	4.76	4.40	3.65	3.70	5.84	9.00
EV/FCF Ratio	13.88	12.83	3.32	3.50	3.72	11.71
Debt / Equity Ratio	0.63	0.63	0.59	0.68	0.52	0.77
Debt / EBITDA Ratio	1.67	1.67	1.52	1.56	1.72	3.48
Debt / FCF Ratio	5.04	5.04	1.44	1.52	1.21	5.00
Net Debt / Equity Ratio	0.40	0.40	0.36	0.39	0.19	0.60
Net Debt / EBITDA Ratio	1.09	1.09	0.94	0.90	0.63	2.78
Net Debt / FCF Ratio	3.24	3.24	0.88	0.87	0.44	3.87
Quick Ratio	0.14	0.14	0.13	2.08	1.57	0.12
Current Ratio	0.16	0.16	0.14	2.26	2.47	0.14
Asset Turnover	0.12	0.12	0.13	0.13	0.11	0.10
Return on Equity (ROE)	20.28%	20.28%	19.43%	22.98%	12.82%	13.03%
Return on Assets (ROA)	3.16%	3.16%	3.16%	3.55%	1.98%	1.28%
Return on Invested Capital (ROIC)	18.07%	18.54%	18.56%	22.59%	12.72%	8.11%
Earnings Yield	11.41%	11.62%	13.49%	14.16%	12.36%	10.93%
FCF Yield	15.35%	15.64%	68.09%	66.04%	67.57%	20.17%
Dividend Yield	6.51%	-	10.53%	10.93%	8.57%	7.46%
Payout Ratio	57.61%	57.61%	70.16%	35.85%	44.30%	90.59%
Buyback Yield / Dilution	0.00%	0.00%	0.00%	0.00%	-0.01%	-0.00%
Total Shareholder Return	6.51%	0.00%	10.53%	10.93%	8.56%	7.46%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.