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About the company
Powszechny Zaklad Ubezpieczen SA (PZU SA) is a Poland-based joint stock company operating in the sectors of property and casualty insurance. PZU SA is the parent company for numerous entities comprising the PZU Group. The Company provides property and casualty insurance in terms of gross written premiums, with motor insurance for retail and corporate customers as its principal product. PZU Zycie provides life insurance in terms of gross written premiums with group and individual life insurance as its principal products. PTE PZU manages OFE PZU Zlota Jesien, an open pension fund. TFI PZU offers participation units in open investment funds, including specialized open funds; investment certificates in closed investment fund; investment plans; and pension schemes, including Employee Pension Schemes and Individual Pension Accounts. On September 15, 2014, the Company acquired 100% stake in Link4.
- Revenue in PLN (TTM)57.90bn
- Net income in PLN6.70bn
- Incorporated2001
- Employees38.66k
- LocationPowszechny Zaklad Ubezpieczen SARondo Ignacego Daszynskiego 4WARSZAWA 00-843PolandPOL
- Phone+48 225822000
- Fax+48 225822448
- Websitehttps://www.pzu.pl/
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Peer analysis
Key Information
- Key Information
- Stock Performance
- Per Share Data
- Efficiency
- Management Effectiveness
- Profitability
- Financial Strength
- Growth Rates
| Company | Revenue (TTM) | Net income (TTM) | Market cap | Employees | Price/earnings (TTM) | Price/book value (MRQ) | Price/cash flow (TTM) | Price/sales (TTM) | EPS (excl. extraordinary items, TTM) | EPS (incl. extraordinary items, TTM) | Revenue per share (TTM) | Book value per share (MRQ) | Asset turnover (TTM) | Inventory turnover (TTM) | Receivables turnover (TTM) | Revenues per employee (TTM) | Return on avg assets (TTM) | Return on avg assets (5 yr avg) | Return on investment (TTM) | Return on investment (5 yr avg) | Gross margin (TTM) | Gross margin (5 yr avg) | Net profit margin (TTM) | Net Profit margin (5 yr avg) | Quick ratio (MRQ) | Interest coverage (TTM) | Total debt to capital (MRQ) | Payout ratio (5 yr avg) | Revenue (YOY change %) | Revenue (5 yr growth rate) | Net income (YOY change %) | Net income (5 yr growth rate) | Capital expenditure (5 yr growth rate) | Dividend (5 yr growth rate) |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Protector Forsikring ASA | 5.64bn | 988.51m | 15.74bn | 575.00 | 15.85 | 5.41 | -- | 2.79 | 31.80 | 31.80 | 181.60 | 93.10 | 0.5605 | -- | -- | -- | 9.86 | 7.87 | -- | -- | -- | -- | 17.59 | 16.20 | -- | 31.93 | 0.2337 | 53.89 | 22.29 | 21.72 | 69.74 | 24.19 | 46.32 | 36.08 |
| UNIQA Insurance Group AG | 31.44bn | 1.54bn | 21.48bn | 14.72k | 13.90 | 1.66 | 10.29 | 0.6832 | 1.18 | 1.17 | 24.16 | 9.90 | 0.2608 | -- | -- | 490,187.60 | 1.27 | 0.8641 | -- | -- | -- | -- | 4.87 | 3.94 | -- | 10.99 | 0.339 | 59.82 | 10.20 | 3.50 | 7.25 | 15.10 | -0.5508 | 27.23 |
| SCOR SE | 65.12bn | 3.71bn | 23.08bn | 3.62k | 6.23 | 1.24 | -- | 0.3545 | 4.87 | 4.87 | 85.16 | 24.44 | 0.4279 | -- | -- | 4,242,751.00 | 2.45 | 0.0552 | -- | -- | -- | -- | 5.72 | 0.1389 | -- | 9.72 | 0.4452 | 1,271.55 | -0.6795 | -0.8824 | -99.51 | -60.61 | -26.44 | -- |
| Vienna Insurance Grp Wnr Vrschrng Grp AG | 56.21bn | 2.85bn | 35.16bn | 33.06k | 12.33 | 1.25 | 8.36 | 0.6254 | 5.26 | 5.26 | 103.61 | 51.66 | 0.2611 | -- | -- | 419,110.60 | 1.38 | 0.9378 | -- | -- | -- | -- | 5.29 | 4.29 | -- | 17.00 | 0.1967 | 34.86 | 13.41 | 3.35 | 15.63 | 13.99 | -8.21 | 6.15 |
| Mapfre SA | 97.69bn | 4.80bn | 50.65bn | 29.86k | 10.50 | 1.26 | -- | 0.5184 | 0.3694 | 0.3694 | 7.52 | 3.07 | 0.4001 | -- | -- | 771,748.60 | 3.12 | 2.28 | -- | -- | -- | -- | 7.80 | 6.09 | -- | -- | 0.1996 | 58.66 | 2.99 | 3.64 | 17.06 | 16.56 | -5.53 | 7.76 |
| GJENSIDIGE FORSIKRING ASA | 16.26bn | 2.43bn | 50.71bn | 4.72k | 21.19 | 4.73 | -- | 3.12 | 12.65 | 13.25 | 84.34 | 56.62 | 0.2364 | -- | -- | 9,099,026.00 | 3.53 | 3.58 | -- | -- | -- | -- | 14.94 | 14.70 | -- | -- | 0.1572 | 93.66 | 10.68 | 8.50 | 23.83 | 5.31 | -20.46 | 8.15 |
| Ageas SA | 38.37bn | 4.89bn | 52.41bn | 17.68k | 9.95 | 1.47 | 7.45 | 1.37 | 6.25 | 6.25 | 49.11 | 42.27 | 0.0922 | -- | -- | 512,077.80 | 1.36 | 1.17 | -- | -- | -- | -- | 14.71 | 12.48 | -- | -- | 0.3648 | 52.89 | 13.30 | -8.73 | 17.31 | 2.69 | 16.46 | 66.93 |
| ASR Nederland NV | 73.23bn | 2.02bn | 54.12bn | 8.69k | 26.46 | 1.24 | -- | 0.739 | 2.31 | 2.31 | 82.84 | 49.42 | 0.1231 | -- | -- | 1,988,376.00 | 0.4025 | 0.3484 | -- | -- | -- | -- | 3.27 | 3.31 | -- | -- | 0.4682 | 144.13 | 13.44 | 18.47 | -53.15 | -4.87 | -- | -0.2432 |
| Powszechny Zaklad Ubezpieczen SA | 57.90bn | 6.70bn | 56.99bn | 38.66k | 8.51 | 1.61 | 3.67 | 0.9843 | 7.76 | 7.76 | 67.07 | 41.09 | 0.1115 | -- | -- | 1,497,969.00 | 2.69 | 2.20 | -- | -- | -- | -- | 24.16 | 19.86 | -- | 3.69 | 0.8422 | -- | 2.27 | 8.35 | 25.40 | 28.50 | 3.59 | -- |
| Unipol Assicurazioni SpA | 40.39bn | 6.28bn | 61.61bn | 12.77k | 9.78 | 1.39 | 14.89 | 1.53 | 2.07 | 2.07 | 13.31 | 14.53 | 0.1096 | -- | -- | -- | 1.76 | 1.36 | -- | -- | -- | -- | 16.06 | 9.93 | -- | -- | 0.3185 | 49.14 | -14.11 | -6.77 | 37.99 | 15.94 | -- | 31.95 |
| Helvetia Baloise Holding AG | 45.33bn | 2.51bn | 91.37bn | 14.63k | 19.37 | 2.64 | 27.86 | 2.02 | 10.20 | 10.20 | 184.13 | 74.91 | 0.162 | -- | -- | 674,470.30 | 0.938 | 0.6575 | -- | -- | -- | -- | 5.79 | 4.15 | -- | 6.39 | 0.3627 | 81.82 | 2.60 | -2.00 | 71.77 | -1.80 | 35.10 | 6.03 |
| Talanx AG | 208.54bn | 9.58bn | 115.91bn | 29.29k | 12.10 | 2.31 | 6.71 | 0.5558 | 8.75 | 8.75 | 190.53 | 45.89 | 0.2801 | -- | -- | 1,641,313.00 | 2.07 | 1.20 | -- | -- | -- | -- | 7.40 | 5.11 | -- | 6.88 | 0.3004 | 43.81 | 7.22 | 3.92 | 25.05 | 16.46 | -- | 12.47 |
| Hannover Rueck SE | 16.56bn | 10.47bn | 130.96bn | 4.01k | 12.52 | 2.57 | -- | 7.91 | 20.47 | 20.47 | 32.39 | 99.51 | 0.0556 | -- | -- | 1,003,132.00 | 3.64 | 2.07 | -- | -- | -- | -- | 65.51 | 12.84 | -- | 33.70 | 0.2454 | 55.52 | 60.90 | -28.72 | 27.61 | 12.64 | -- | 10.35 |
Data as of Mar 02 2026. Currency figures normalised to Powszechny Zaklad Ubezpieczen SA's reporting currency: Polish New Zloty PLN
18.87%Per cent of shares held by top holders
| Holder | Shares | % Held |
|---|---|---|
| Allianz Polska PTE SAas of 31 Dec 2024 | 38.93m | 4.51% |
| Nationale-Nederlanden Powszechne Towarzystwo Emerytalne SAas of 31 Dec 2024 | 32.57m | 3.77% |
| The Vanguard Group, Inc.as of 04 Feb 2026 | 21.94m | 2.54% |
| Generali PTE SAas of 31 Dec 2024 | 16.20m | 1.88% |
| BlackRock Fund Advisorsas of 06 Feb 2026 | 13.12m | 1.52% |
| Vienna PTE SA Vienna Insurance Groupas of 31 Dec 2024 | 10.61m | 1.23% |
| BlackRock Advisors (UK) Ltd.as of 06 Feb 2026 | 7.85m | 0.91% |
| PKO TFI SAas of 30 Jan 2026 | 7.67m | 0.89% |
| Schroder Investment Management Ltd.as of 31 Jan 2026 | 7.35m | 0.85% |
| Goldman Sachs Towarzystwo Funduszy Inwestycyjnych SAas of 30 Jun 2025 | 6.72m | 0.78% |
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Data from 30 Jun 2025 - 31 Dec 2025Source: FactSet Research Systems Inc.
