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 Ratios and Metrics
Market cap in millions PLN. Fiscal year is January - December.
Millions PLN. Fiscal year is Jan - Dec.
Total Valuation
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 |
| 63,953 | 57,632 | 39,584 | 40,812 | 30,581 | 30,519 | |
Market Cap Growth | 22.29% | 45.59% | -3.01% | 33.45% | 0.20% | 9.24% |
Enterprise Value | 124,228 | 115,630 | 89,533 | 94,287 | 76,950 | 72,077 |
Price Ratios
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 |
PS Ratio | 1.03 | 0.91 | 0.65 | 0.70 | 0.70 | 0.79 |
PB Ratio | 0.92 | 0.79 | 0.61 | 0.67 | 0.63 | 0.76 |
P/FCF Ratio | 4.78 | 6.40 | 1.47 | 1.51 | 1.48 | 4.96 |
P/OCF Ratio | 4.25 | 5.48 | 1.40 | 1.45 | 1.41 | 4.12 |
EV Ratios
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 |
EV/Sales Ratio | 1.99 | 1.83 | 1.47 | 1.61 | 1.75 | 1.86 |
EV/EBITDA Ratio | 4.85 | 4.30 | 3.56 | 3.62 | 5.31 | 8.42 |
EV/EBIT Ratio | 5.07 | 4.40 | 3.65 | 3.70 | 5.84 | 9.00 |
EV/FCF Ratio | 9.29 | 12.83 | 3.32 | 3.50 | 3.72 | 11.71 |
Financial Efficiency
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 |
Debt / Equity Ratio | 0.71 | 0.63 | 0.59 | 0.68 | 0.52 | 0.77 |
Debt / EBITDA Ratio | 1.93 | 1.67 | 1.52 | 1.56 | 1.72 | 3.48 |
Debt / FCF Ratio | 3.69 | 5.04 | 1.44 | 1.52 | 1.21 | 5.00 |
Net Debt / Equity Ratio | 0.37 | 0.40 | 0.36 | 0.39 | 0.19 | 0.60 |
Net Debt / EBITDA Ratio | 1.00 | 1.09 | 0.94 | 0.90 | 0.63 | 2.78 |
Net Debt / FCF Ratio | 1.90 | 3.24 | 0.88 | 0.87 | 0.44 | 3.87 |
Quick Ratio | 3.40 | 0.14 | 0.13 | 2.08 | 1.57 | 0.12 |
Current Ratio | 3.73 | 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) | 19.54% | 20.28% | 19.43% | 22.98% | 12.82% | 13.03% |
Return on Assets (ROA) | 2.83% | 3.16% | 3.16% | 3.55% | 1.98% | 1.28% |
Return on Invested Capital (ROIC) | 15.17% | 18.54% | 18.56% | 22.59% | 12.72% | 8.11% |
Yields
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 |
Earnings Yield | 10.13% | 11.62% | 13.49% | 14.16% | 12.36% | 10.93% |
FCF Yield | 20.91% | 15.64% | 68.09% | 66.04% | 67.57% | 20.17% |
Dividend Yield | 6.48% | 7.19% | 10.53% | 10.93% | 8.57% | 7.46% |
Payout Ratio | 59.57% | 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 | 6.48% | 7.20% | 10.53% | 10.93% | 8.56% | 7.46% |