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PZAKY

Powszechny Zaklad Ubezpieczen SA

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Price alert · PZAKY

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16.89 USD -1.72 -9.24%
As of Oct 29, 2026
17.25 Day range 17.25
15.67 52-week range 22.01
YTD
-2.60%
1 year
+6.97%
Open
17.25
Prev close
18.61
Mkt cap
15.61B
Vol
100
Avg vol
74
EPS
2.06
P/E
8.20
More statistics
Low
17.25
High
17.25

5D chart

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Financial health

Altman Z-Score

0.30 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

B3 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 3
  • Debt / Equity 2
  • P/E 4
  • P/B 2

Valuation

P/E 8.0×
FY 2016: 12.2×FY 2017: 6.8×FY 2018: 6.5×FY 2019: 4.1×FY 2020: 12.5×FY 2021: 4.8×FY 2022: 8.0×FY 2023: 4.7×FY 2024: 8.1×FY 2025: 8.0×
FY 2016 5y median 8.0× FY 2025
P/S 0.8×
FY 2016: 1.0×FY 2017: 0.6×FY 2018: 0.5×FY 2019: 0.5×FY 2020: 0.6×FY 2021: 0.6×FY 2022: 0.7×FY 2023: 0.5×FY 2024: 0.8×FY 2025: 0.8×
FY 2016 5y median 0.7× FY 2025
P/B 1.5×
FY 2016: 1.8×FY 2017: 1.3×FY 2018: 1.4×FY 2019: 1.3×FY 2020: 1.3×FY 2021: 1.5×FY 2022: 1.7×FY 2023: 0.9×FY 2024: 1.3×FY 2025: 1.5×
FY 2016 5y median 1.5× FY 2025
P/FCF 6.0×
FY 2016: 6.6×FY 2017: 1.3×FY 2018: -49.9×FY 2019: 147×FY 2020: 0.9×FY 2021: 4.2×FY 2022: 1.5×FY 2023: 1.0×FY 2024: 1.6×FY 2025: 6.0×
FY 2016 5y median 1.6× FY 2025
EV/EBITDA 3.1×
FY 2016: 6.6×FY 2017: 4.4×FY 2018: 3.7×FY 2019: 3.8×FY 2020: 6.5×FY 2021: 4.0×FY 2022: 3.3×FY 2023: 1.7×FY 2024: 2.7×FY 2025: 3.1×
FY 2016 5y median 3.1× FY 2025
EV/Sales 1.3×
FY 2016: 1.1×FY 2017: 1.0×FY 2018: 1.0×FY 2019: 0.9×FY 2020: 1.0×FY 2021: 0.9×FY 2022: 1.1×FY 2023: 0.8×FY 2024: 1.2×FY 2025: 1.3×
FY 2016 5y median 1.1× FY 2025
FCF Yield 16.8%
FY 2016: 15.0%FY 2017: 75.9%FY 2018: -2.0%FY 2019: 0.7%FY 2020: 114.4%FY 2021: 23.9%FY 2022: 68.3%FY 2023: 98.6%FY 2024: 62.3%FY 2025: 16.8%
FY 2016 5y median 62.3% FY 2025

Profitability

Gross Margin 98.0%
FY 2016: 90.1%FY 2017: 91.6%FY 2018: 91.6%FY 2019: 91.4%FY 2020: 91.0%FY 2021: 90.4%FY 2022: 98.0%FY 2023: 100.0%FY 2024: 98.8%FY 2025: 98.0%
FY 2016 5y median 98.0% FY 2025
Operating Margin 27.6%
FY 2016: 12.6%FY 2017: 15.9%FY 2018: 18.1%FY 2019: 16.9%FY 2020: 10.1%FY 2021: 18.3%FY 2022: 19.5%FY 2023: 29.2%FY 2024: 28.4%FY 2025: 27.6%
FY 2016 5y median 27.6% FY 2025
Net Margin 10.4%
FY 2016: 8.1%FY 2017: 8.4%FY 2018: 8.2%FY 2019: 7.9%FY 2020: 4.8%FY 2021: 8.2%FY 2022: 9.1%FY 2023: 10.5%FY 2024: 9.6%FY 2025: 10.4%
FY 2016 5y median 9.6% FY 2025
ROE 18.9%
FY 2016: 14.9%FY 2017: 19.8%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 2.9%
FY 2016: 3.2%FY 2017: 2.4%FY 2018: 3.3%FY 2019: 2.8%FY 2020: 1.1%FY 2021: 2.6%FY 2022: 2.5%FY 2023: 2.7%FY 2024: 2.4%FY 2025: 2.9%
FY 2016 5y median 2.6% FY 2025
ROA 1.3%
FY 2016: 1.5%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 16.9%
FY 2016: 17.8%FY 2017: 44.5%FY 2018: 14.1%FY 2019: 6.8%FY 2020: -4.0%FY 2021: 1.5%FY 2022: 2.1%FY 2023: 32.2%FY 2024: 0.4%FY 2025: 16.9%
FY 2016 FY 2025
Operating Income 13.6%
FY 2016: 1.5%FY 2017: 83.0%FY 2018: 29.6%FY 2019: -0.1%FY 2020: -42.7%FY 2021: 83.7%FY 2022: 9.2%FY 2023: 97.6%FY 2024: -2.3%FY 2025: 13.6%
FY 2016 FY 2025
EPS (diluted) 25.4%
FY 2016: -17.3%FY 2017: 49.6%FY 2018: 11.0%FY 2019: 61.6%FY 2020: -63.2%FY 2021: 184.6%FY 2022: -30.4%FY 2023: 52.5%FY 2024: -7.3%FY 2025: 25.4%
FY 2016 FY 2025
Free Cash Flow -66.6%
FY 2016: 75.0%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: -66.6%
FY 2016 FY 2025

Financial Health

Current Ratio 1.7×
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: 11.0×FY 2024: 83.3×FY 2025: 1.7×
FY 2016 5y median 31.1× FY 2025
Quick Ratio 1.7×
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: 11.0×FY 2024: 83.3×FY 2025: 1.7×
FY 2016 5y median 31.1× FY 2025
Debt / Equity 1.0×
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: 1.0×
FY 2016 5y median 1.0× FY 2025
Net Debt / EBITDA 1.1×
FY 2016: 0.9×FY 2017: 1.9×FY 2018: 1.7×FY 2019: 1.8×FY 2020: 2.8×FY 2021: 1.2×FY 2022: 1.2×FY 2023: 0.6×FY 2024: 1.0×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Interest Coverage 2.4×
FY 2016: 4.3×FY 2017: 3.9×FY 2018: 3.4×FY 2019: 3.3×FY 2020: 3.6×FY 2021: 17.6×FY 2022: 1.7×FY 2023: 1.8×FY 2024: 1.9×FY 2025: 2.4×
FY 2016 5y median 1.9× FY 2025

Dividends

Dividend Yield 7.2%
FY 2016: 7.6%FY 2017: 6.2%FY 2018: 10.3%FY 2019: 11.4%FY 2020: 0.0%FY 2021: 11.7%FY 2022: 5.5%FY 2023: 7.6%FY 2024: 8.7%FY 2025: 7.2%
FY 2016 5y median 7.6% FY 2025
Payout Ratio 57.6%
FY 2016: 92.8%FY 2017: 41.8%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: 57.6%
FY 2016 5y median 57.6% FY 2025

Annual · latest fiscal year ends 2025-12-31