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Powszechny Zaklad Ubezpieczen SA PWZYF

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Price alert · PWZYF

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16.25 USD 0.00 0.00%

At close · Oct 30

12.00 Day range 12.00
12.00 52-week range 16.25
YTD
-0.02%
1 year
+6.95%
Open
12.00
Prev close
16.25
Mkt cap
16.03B
Vol
200
Avg vol
0
EPS
2.07
P/E
7.85
More statistics
Low
12.00
High
12.00

5D chart

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Financial health

Altman Z-Score

0.29 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A+4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 4
  • P/B 5

Valuation

P/E 7.5×
FY 2016: 17.2×FY 2017: 9.6×FY 2018: 9.3×FY 2019: 9.2×FY 2020: 15.6×FY 2021: 9.6×FY 2022: 9.2×FY 2023: 7.1×FY 2024: 7.9×FY 2025: 7.5×
FY 2016 5y median 7.9× FY 2025
P/S 0.8×
FY 2016: 1.4×FY 2017: 0.8×FY 2018: 0.8×FY 2019: 0.7×FY 2020: 0.7×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 0.7×FY 2024: 1.5×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025
P/B 1.4×
FY 2016: 2.6×FY 2017: 1.9×FY 2018: 2.0×FY 2019: 1.9×FY 2020: 1.6×FY 2021: 1.9×FY 2022: 2.0×FY 2023: 1.4×FY 2024: 1.3×FY 2025: 1.4×
FY 2016 5y median 1.4× FY 2025
P/FCF 2.7×
FY 2016: 9.4×FY 2017: 1.9×FY 2018: -70.7×FY 2019: 208×FY 2020: 1.1×FY 2021: 5.2×FY 2022: 1.7×FY 2023: 1.5×FY 2024: 1.6×FY 2025: 2.7×
FY 2016 5y median 1.7× FY 2025
EV/EBITDA 3.2×
FY 2016: 9.0×FY 2017: 12.0×FY 2018: 4.6×FY 2019: 4.6×FY 2020: 7.3×FY 2021: 4.9×FY 2022: 2.8×FY 2023: 2.2×FY 2024: 3.9×FY 2025: 3.2×
FY 2016 5y median 3.2× FY 2025
EV/Sales 1.3×
FY 2016: 1.5×FY 2017: 1.3×FY 2018: 1.2×FY 2019: 1.2×FY 2020: 1.2×FY 2021: 1.1×FY 2022: 1.0×FY 2023: 1.0×FY 2024: 2.3×FY 2025: 1.3×
FY 2016 5y median 1.1× FY 2025
FCF Yield 36.6%
FY 2016: 10.6%FY 2017: 53.5%FY 2018: -1.4%FY 2019: 0.5%FY 2020: 92.0%FY 2021: 19.2%FY 2022: 59.3%FY 2023: 65.8%FY 2024: 63.5%FY 2025: 36.6%
FY 2016 5y median 59.3% FY 2025

Profitability

Gross Margin 98.0%
FY 2016: 100.0%FY 2017: 100.0%FY 2018: 100.0%FY 2019: 100.0%FY 2020: 100.0%FY 2021: 100.0%FY 2022: 100.0%FY 2023: 100.0%FY 2024: 71.0%FY 2025: 98.0%
FY 2016 5y median 100.0% FY 2025
Operating Margin 27.5%
FY 2016: 7.0%FY 2017: 8.0%FY 2018: 9.5%FY 2019: 10.1%FY 2020: 5.7%FY 2021: 10.4%FY 2022: 9.1%FY 2023: 29.2%FY 2024: 55.2%FY 2025: 27.5%
FY 2016 5y median 27.5% FY 2025
Net Margin 10.4%
FY 2016: 8.2%FY 2017: 8.8%FY 2018: 8.2%FY 2019: 7.9%FY 2020: 4.8%FY 2021: 8.2%FY 2022: 7.6%FY 2023: 10.5%FY 2024: 18.8%FY 2025: 10.4%
FY 2016 5y median 10.4% FY 2025
ROE 18.9%
FY 2016: 15.0%FY 2017: 19.9%FY 2018: 21.5%FY 2019: 20.4%FY 2020: 10.2%FY 2021: 19.5%FY 2022: 21.6%FY 2023: 19.2%FY 2024: 16.6%FY 2025: 18.9%
FY 2016 5y median 19.2% FY 2025
ROIC 2.8%
FY 2016: 1.8%FY 2017: 1.2%FY 2018: 1.8%FY 2019: 1.6%FY 2020: 0.6%FY 2021: 1.5%FY 2022: 1.4%FY 2023: 4.1%FY 2024: 2.4%FY 2025: 2.8%
FY 2016 5y median 2.4% FY 2025
ROA 1.3%
FY 2016: 1.6%FY 2017: 0.9%FY 2018: 1.0%FY 2019: 1.0%FY 2020: 0.5%FY 2021: 0.8%FY 2022: 0.9%FY 2023: 1.2%FY 2024: 1.1%FY 2025: 1.3%
FY 2016 5y median 1.1% FY 2025

Growth (YoY)

Revenue 127.5%
FY 2016: 18.2%FY 2017: 39.2%FY 2018: 18.1%FY 2019: 6.8%FY 2020: -4.0%FY 2021: 1.4%FY 2022: 21.2%FY 2023: 11.4%FY 2024: -48.4%FY 2025: 127.5%
FY 2016 FY 2025
Operating Income 13.5%
FY 2016: -23.6%FY 2017: 58.9%FY 2018: 41.1%FY 2019: 13.2%FY 2020: -46.1%FY 2021: 86.5%FY 2022: 5.1%FY 2023: 258.9%FY 2024: -2.3%FY 2025: 13.5%
FY 2016 FY 2025
EPS (diluted) 25.2%
FY 2016: -17.3%FY 2017: 49.6%FY 2018: 11.0%FY 2019: 2.7%FY 2020: -42.1%FY 2021: 74.7%FY 2022: 13.5%FY 2023: 52.5%FY 2024: -7.3%FY 2025: 25.2%
FY 2016 FY 2025
Free Cash Flow -31.6%
FY 2016: 30.7%FY 2017: 319.7%FY 2018: -102.8%FY 2019: 134.4%FY 2020: 18737.9%FY 2021: -77.5%FY 2022: 235.6%FY 2023: 29.4%FY 2024: 0.8%FY 2025: -31.6%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 17.8×FY 2017: 46.3×FY 2018: 36.8×FY 2019: 48.0×FY 2020: 10.9×FY 2021: 32.3×FY 2022: 31.1×FY 2023: 158×FY 2024: 83.3×FY 2025: 0.4×
FY 2016 5y median 32.3× FY 2025
Quick Ratio 0.4×
FY 2016: 17.7×FY 2017: 46.2×FY 2018: 36.8×FY 2019: 48.0×FY 2020: 10.9×FY 2021: 32.3×FY 2022: 31.1×FY 2023: 158×FY 2024: 83.3×FY 2025: 0.4×
FY 2016 5y median 32.3× FY 2025
Debt / Equity 1.1×
FY 2016: 0.7×FY 2017: 1.4×FY 2018: 1.6×FY 2019: 1.5×FY 2020: 1.3×FY 2021: 1.1×FY 2022: 1.4×FY 2023: 0.8×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Net Debt / EBITDA 1.3×
FY 2016: 0.9×FY 2017: 4.1×FY 2018: 1.7×FY 2019: 1.8×FY 2020: 2.8×FY 2021: 1.2×FY 2022: 0.9×FY 2023: 0.6×FY 2024: 1.4×FY 2025: 1.3×
FY 2016 5y median 1.2× FY 2025
Interest Coverage 2.4×
FY 2016: 2.2×FY 2017: 1.9×FY 2018: 1.8×FY 2019: 2.0×FY 2020: 2.0×FY 2021: 10.1×FY 2022: 0.9×FY 2023: 1.8×FY 2024: 1.9×FY 2025: 2.4×
FY 2016 5y median 1.9× FY 2025

Dividends

Dividend Yield 7.7%
FY 2016: 5.4%FY 2017: 4.4%FY 2018: 7.3%FY 2019: 8.0%FY 2020: 0.0%FY 2021: 9.4%FY 2022: 4.8%FY 2023: 5.1%FY 2024: 8.8%FY 2025: 7.7%
FY 2016 5y median 7.7% FY 2025
Payout Ratio 57.5%
FY 2016: 92.2%FY 2017: 41.5%FY 2018: 67.2%FY 2019: 73.4%FY 2020: 0.0%FY 2021: 90.6%FY 2022: 44.3%FY 2023: 35.9%FY 2024: 70.2%FY 2025: 57.5%
FY 2016 5y median 57.5% FY 2025

Annual · latest fiscal year ends 2025-12-31