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Powszechny Zaklad Ubezpieczen SA (PZU) Stock Verdict & Ratings | Investment Bastion

Stock Verdict·Updated 1d ago

Powszechny Zaklad Ubezpieczen SA

PZUMarket cap $16BPrice $18.5

Country🇵🇱Poland

SectorFinancials

IndustryInsurance

Sells life, property, and health insurance across Poland and Central Europe, serving over 22 million customers. It's the region's largest insurer, so dominant that nearly one in two Poles holds a PZU policy.

In Bastion Portfolios?

52W Return+23%Global Market +16%?

01Key Ratings

How does this stock score across Bastion factors?

Growth

Historical Revenue

Rev CAGR (3y)+21%9

Revenue Forecast

Rev CAGR (1y)-54%1

Rev CAGR (3y)-18%1

Rev CAGR (5y)-11%1

Earnings Forecast

EPS Growth Y+1-16%2

EPS Growth Y+2+6%5

EPS Growth Y+3+5%5

Quality

Margins

EBIT Margin39%9

Net Income Margin10%6

Free Cash Flow Margin21%8

Debt

Net Debt/EBITDA1.06

Efficiency

ROE20%8

ROA2%4

Earnings Stability77

GEAR+STRONG79

Overall rating across all five factors

Value

Price Multiples

P/E Ratio (Forward)108

P/E Ratio (Forward 3y)98

P/BV1.87

EV Multiples

EV/EBITDA Fwd08

EV/EBIT Fwd08

Yield

Free Cash Flow Yield0.0%9

Dividend Yield6.7%10

Momentum

Short term

1 month return-0%8

3 month return+11%9

YTD return+14%7

Mid term

Price vs 52wHigh97%10

1 year return+35%8

Long term

3 year return+119%8

5 year return+168%8

Risk Shield

Price Risk

Beta0.48

Volatility21%9

Free Cash Flow

Free Cash Flow Margin21%8

Free Cash Flow Yield0.0%9

Quality

ROCE5%4

Earnings Stability77

Net Debt/EBITDA1.06

02Growth

Is it actually growing, and how fast?

PZUPowszechny Zaklad Ubezpieczen

Revenue FY25$17.6B

GROWTH RATING↗

VERY WEAK7 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+21%9

Revenue, next 1Y-54%1

Revenue, next 3Y, CAGR-18%1

Revenue, next 5Y, CAGR-11%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-16%2

EPS growth, FY27E+6%5

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 21%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

WATCH

Earnings are set to grow faster than sales (EPS about 5%/yr vs revenue -18%/yr), so margins should widen. One year dips: EPS falls 16% next year.

WEAKNESSES

Growth is the weak spot here, trailing 93% of companies worldwide.

Revenue is set to shrink 18%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 21%/yr over the last 3 years, but it is set to shrink 18%/yr from here.

Over five years revenue is set to shrink 11%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

PZUPowszechny Zaklad Ubezpieczen

Total return Current288%

Price return Current133%

MOMENTUM RATING↗

VERY STRONG93 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+11%9

YTD return+14%7

MID & LONG-TERM▾SCORE

% of 52-week high97%10

1-year return+35%8

3-year return+119%8

5-year return+168%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +119% over three years and +168% over five, ahead of 70% of the market.

It's up 35% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+11%) and so far this year (+14%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Powszechny Zaklad. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

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02Growth

Is it actually growing, and how fast?

PZUPowszechny Zaklad Ubezpieczen

Revenue FY25$17.6B

GROWTH RATING↗

VERY WEAK7 / 100

REVENUE GROWTH▾SCORE

Revenue, last 3Y, CAGR+21%9

Revenue, next 1Y-54%1

Revenue, next 3Y, CAGR-18%1

Revenue, next 5Y, CAGR-11%1

EARNINGS FORECAST▾SCORE

EPS growth, FY26E-16%2

EPS growth, FY27E+6%5

EPS growth, FY28E+5%5

GROWTH ASSESSMENT

STRENGTHS

Revenue grew 21%/yr over the last 3 years, ahead of 80% of companies worldwide.9/10

WATCH

Earnings are set to grow faster than sales (EPS about 5%/yr vs revenue -18%/yr), so margins should widen. One year dips: EPS falls 16% next year.

WEAKNESSES

Growth is the weak spot here, trailing 93% of companies worldwide.

Revenue is set to shrink 18%/yr over the next 3 years, behind most of the market.1/10

Revenue grew 21%/yr over the last 3 years, but it is set to shrink 18%/yr from here.

Over five years revenue is set to shrink 11%/yr, behind 90% of companies worldwide.1/10

BOTTOM LINE

Stalled Business

Growth is a weak point here: a business heading into decline. The one thing to watch: forward revenue growth trails the market.

03Price Momentum

Is the market behind it right now?

PZUPowszechny Zaklad Ubezpieczen

Total return Current288%

Price return Current133%

MOMENTUM RATING↗

VERY STRONG93 / 100

SHORT-TERM RETURNS▾SCORE

1-month return-0%8

3-month return+11%9

YTD return+14%7

MID & LONG-TERM▾SCORE

% of 52-week high97%10

1-year return+35%8

3-year return+119%8

5-year return+168%8

MOMENTUM ASSESSMENT

STRENGTHS

Magnificent long-term results. Long-term holders have seen +119% over three years and +168% over five, ahead of 70% of the market.

It's up 35% over the past year, now sitting right at its 52-week high. That is clearly ahead of the market.

Strong recent results. The stock is outperforming over the past month (+0%), over three months (+11%) and so far this year (+14%).

WATCH

None flagged.

WEAKNESSES

None flagged.

BOTTOM LINE

Momentum Leader

Short- and long-term returns both rank among the best globally, and the stock trades near its highs. The market is fully behind it — a core fit for momentum strategies.

04Value

Are you paying a fair price for it?

Stop guessing on Powszechny Zaklad. Get the full investment case.

Premium

$20.75/month

Billed annually at $249/year $348

✓
Stock VerdictValuation and investment strategy for 4,000+ stocks. Days of hedge fund analyst research, done in 2 minutes.
✓
RadarFind your next investment idea: top-ranked stocks across all 9 Bastion strategies.
✓
Portfolio ManagerCheck if Bastion algorithms added the stock you care about to their portfolios.

Secure via Stripe

Trusted by 1,000+ investors in our community