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Powszechny Zaklad Ubezpieczen S.A.

Data quality: 100%
PZAKY
OTC Financial Services Insurance - Property & Casualty
$17.93
$0.00 (0.00%)
Mkt Cap: 15.48B
Also listed as PWZYF OTC
Day Range
$17.35 $17.93
52-Week Range
$13.00 $21.89
Volume
100
50D / 200D Avg
$19.66 / $17.18
Prev Close
$17.93

Price History

Financial Trends

Peer Comparison

vs Financial Services sector median (854 peers)

Metric Stock Sector Median
P/E 2.3 10.3
P/B 0.4 1.1
ROE % 19.8 11.6
Net Margin % 10.4 16.8
Rev Growth 5Y % 12.2 11.6
D/E 1.0 0.5

Key Takeaways

Revenue grew 12.19% annually over 5 years — strong growth
Earnings grew 25.40% over the past year
ROE of 19.82% — decent returns on equity
Generating 9.01B in free cash flow
P/E of 2.31 — trading at a low valuation
PEG of 0.32 suggests growth is underpriced

Growth

Revenue Growth (5Y)
12.19%
Revenue (1Y)16.86%
Earnings (1Y)25.40%
FCF Growth (3Y)-41.95%

Quality

Return on Equity
19.82%
ROIC18.48%
Net Margin10.35%
Op. Margin27.57%

Safety

Debt / Equity
1.04
Current Ratio1.67
Interest Coverage2.52

Valuation

P/E Ratio
2.31
P/B Ratio0.44
EV/EBITDA2.55
Dividend Yield0.07%

All Fundamental Metrics

Growth
Revenue Growth (1Y) 16.86% Revenue Growth (3Y) 8.33%
Earnings Growth (1Y) 25.40% Earnings Growth (3Y) 7.79%
Revenue Growth (5Y) 12.19% Earnings Growth (5Y) 19.04%
Profitability
Revenue (TTM) 64.70B Net Income (TTM) 6.70B
ROE 19.82% ROA 1.25%
Gross Margin 98.00% Operating Margin 27.57%
Net Margin 10.35% Free Cash Flow (TTM) 9.01B
ROIC 18.48% FCF Growth (3Y) -41.95%
Safety
Debt / Equity 1.04 Current Ratio 1.67
Interest Coverage 2.52 Dividend Yield 0.07%
Valuation
P/E Ratio 2.31 P/B Ratio 0.44
P/S Ratio 0.24 PEG Ratio 0.32
EV/EBITDA 2.55 Dividend Yield 0.07%
Market Cap 15.48B Enterprise Value 45.57B

Income Statement

Annual, most recent first

Income statement data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Revenue 64.70B 55.37B 55.13B 41.72B 40.84B
Net Income 6.70B 5.34B 5.77B 3.78B 3.34B
EPS (Diluted) 7.76 6.19 6.68 4.38 6.29
Gross Profit 63.40B 54.68B 55.13B 40.87B 36.94B
Operating Income 17.84B 15.71B 16.08B 8.14B 7.45B

Balance Sheet

Annual, most recent first

Balance sheet data, annual, most recent first
Metric FY2025 FY2024 FY2023 FY2022 FY2021
Total Assets 535.48B 503.26B 467.89B 436.12B 402.13B
Total Liabilities 462.83B 438.00B 407.41B 396.37B 362.14B
Shareholders' Equity 35.47B 32.11B 30.02B 17.49B 17.08B
Total Debt 36.94B 30.47B 25.51B 24.06B 17.96B
Cash & Equivalents 6.85B 6.16B 8.58B 7.04B 6.97B
Current Assets 90.01B 59.50B 37.30B 46.82B 51.92B
Current Liabilities 53.98B 714.00M 3.39B 1.51B 1.61B

Strategy Scores

This stock passed the criteria for 3 strategies

Score = fit strength (0–100)
Rank = position among all matches
Custom Cash Flow Compounder
#119 of 1052
68
Growth Price/Sales Ratio Focus (Ken Fisher)
#406 of 618
25
Custom Contrarian Investing (David Dreman)
#367 of 670
25

Recent Activity

Entered Cash Flow Compounder
Mar 24, 2026
Entered Price/Sales Ratio Focus (Ken Fisher)
Mar 24, 2026
Entered Contrarian Investing (David Dreman)
Mar 24, 2026