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Powszechny Zaklad Ubezpieczen SA
WSE:PZU

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Powszechny Zaklad Ubezpieczen SA
WSE:PZU
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Price: 69.22 PLN 0.32% Market Closed
Market Cap: zł59.8B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Cash Flow Statement

Operating Cash Flow
+
3Y
+63%
5Y
-65%
10Y
+616%
Investing Cash Flow
+
3Y
-
5Y
+76%
10Y
-
Financing Cash Flow
+
3Y
-552%
5Y
-2 333%
10Y
-109%

Cash Flow Statement
Powszechny Zaklad Ubezpieczen SA

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Cash Flow Statement
Currency: PLN
Dec-2008 Mar-2009 Jun-2009 Sep-2009 Dec-2009 Mar-2010 Jun-2010 Sep-2010 Dec-2010 Mar-2011 Jun-2011 Sep-2011 Dec-2011 Mar-2012 Jun-2012 Sep-2012 Dec-2012 Mar-2013 Jun-2013 Sep-2013 Dec-2013 Mar-2014 Jun-2014 Sep-2014 Dec-2014 Mar-2015 Jun-2015 Sep-2015 Dec-2015 Mar-2016 Jun-2016 Sep-2016 Dec-2016 Mar-2017 Jun-2017 Sep-2017 Dec-2017 Mar-2018 Jun-2018 Sep-2018 Dec-2018 Mar-2019 Jun-2019 Sep-2019 Dec-2019 Mar-2020 Jun-2020 Sep-2020 Dec-2020 Mar-2021 Jun-2021 Sep-2021 Dec-2021 Mar-2022 Jun-2022 Sep-2022 Dec-2022 Mar-2023 Jun-2023 Sep-2023 Dec-2023 Mar-2024 Jun-2024 Sep-2024 Dec-2024 Mar-2025 Jun-2025 Sep-2025
Operating Cash Flow
Net Income
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1 154
1 619
0
0
1 181
1 049
1 958
2 988
3 531
4 095
4 806
5 474
5 531
6 374
6 819
7 086
7 257
7 130
7 021
7 080
6 248
5 035
4 700
4 058
5 029
6 401
6 624
7 454
8 026
8 127
6 627
7 605
8 819
11 112
14 926
16 077
16 438
15 823
15 727
15 705
16 386
16 893
17 949
Depreciation & Amortization
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
142
189
0
0
152
218
305
412
434
488
691
884
1 026
1 128
1 115
1 103
1 112
1 197
1 243
1 293
1 324
1 299
1 335
1 319
1 336
1 326
1 325
1 348
1 368
1 371
1 356
1 328
1 307
1 338
1 336
1 386
1 399
1 429
1 455
1 499
1 541
1 433
1 400
Other Non-Cash Items
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(444)
(1 065)
0
0
(1 213)
(128)
(689)
2 388
2 940
1 835
1 371
1 268
(215)
2 808
4 930
2 407
3 855
907
(576)
(1 699)
(743)
3 628
3 523
3 117
1 005
(2 565)
(1 840)
(3 827)
(4 187)
(4 815)
(4 516)
(395)
3 149
4 820
(486)
(6 940)
(15 542)
(12 044)
(5 436)
(7 899)
958
(6 395)
(9 707)
Cash Taxes Paid
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
(151)
(359)
(479)
(864)
(854)
(770)
(828)
(643)
(220)
12
(756)
(662)
(796)
(819)
283
580
701
900
1 010
1 229
1 265
1 639
1 779
1 898
1 922
2 039
2 098
2 084
2 218
2 068
1 911
1 886
1 717
1 691
1 725
1 847
1 964
1 809
1 699
1 573
1 681
1 490
1 337
1 206
1 411
2 932
3 331
3 568
5 114
4 168
4 524
Cash Interest Paid
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
3
8
11
15
14
13
17
15
15
11
34
34
44
53
89
1 097
1 098
1 113
1 117
113
167
190
240
280
283
297
303
302
296
269
211
210
187
179
145
141
139
155
197
238
338
329
360
448
457
530
555
451
461
470
441
Change in Working Capital
4 615
3 404
(1 422)
(2 211)
(1 541)
(2 172)
(1 409)
(884)
469
2 383
3 164
3 034
1 588
2 309
1 873
713
1 228
849
1 687
2 527
2 946
2 662
1 997
1 817
1 775
755
1 287
1 494
1 272
1 158
2 000
(552)
(1 551)
(4 222)
(1 327)
(2 786)
7 796
6 128
(2 695)
(3 879)
(10 193)
(6 149)
(3 846)
(2 446)
(5 626)
1 240
21 195
21 362
20 085
19 238
(2 044)
(537)
2 437
1 951
1 039
3 076
13 152
20 420
19 721
37 973
17 518
13 330
16 004
(1 887)
19 036
9 725
15 971
1 052
Cash from Operating Activities
4 615
N/A
3 404
-26%
(1 422)
N/A
(2 211)
-55%
(1 541)
+30%
(2 172)
-41%
(1 409)
+35%
(884)
+37%
469
N/A
2 383
+408%
3 164
+33%
3 034
-4%
1 588
-48%
2 309
+45%
1 873
-19%
713
-62%
1 228
+72%
849
-31%
1 687
+99%
2 527
+50%
2 946
+17%
2 662
-10%
1 997
-25%
1 817
-9%
1 775
-2%
1 607
-9%
2 030
+26%
1 494
-26%
1 272
-15%
535
-58%
2 396
+348%
1 022
-57%
4 237
+315%
2 683
-37%
5 091
+90%
4 082
-20%
15 422
+278%
12 470
-19%
7 615
-39%
8 985
+18%
403
-96%
6 075
+1 407%
5 388
-11%
5 242
-3%
1 048
-80%
8 069
+670%
31 157
+286%
30 920
-1%
28 579
-8%
26 608
-7%
3 118
-88%
5 572
+79%
7 412
+33%
7 158
-3%
5 722
-20%
6 543
+14%
21 690
+231%
33 695
+55%
36 991
+10%
53 749
+45%
28 041
-48%
15 625
-44%
21 212
+36%
9 859
-54%
28 341
+187%
28 610
+1%
27 902
-2%
10 694
-62%
Investing Cash Flow
Capital Expenditures
(383)
(30)
(70)
(94)
(156)
(175)
(166)
(174)
(156)
(131)
(126)
(166)
(168)
(175)
(178)
(152)
(145)
(175)
(198)
(211)
(225)
(221)
(216)
(222)
(257)
(277)
(303)
(313)
(321)
(385)
(324)
(313)
(700)
(681)
(741)
(950)
(578)
(600)
(644)
(540)
(824)
(835)
(929)
(980)
(903)
(1 002)
(1 046)
(1 230)
(1 264)
(1 198)
(1 192)
(1 084)
(1 255)
(1 248)
(1 175)
(1 101)
(1 026)
(1 077)
(1 185)
(1 283)
(1 296)
(1 309)
(1 280)
(1 361)
(1 390)
(1 414)
(1 381)
(1 338)
Other Items
(4 269)
(3 395)
1 461
2 210
9 560
10 278
14 431
14 856
5 485
3 488
(4 240)
(2 909)
(120)
(875)
2 525
2 119
566
1 279
(1 194)
(2 204)
(2 388)
(2 111)
100
(3 016)
(1 491)
(2 520)
417
3 173
5 174
8 422
961
3 563
(1 167)
(774)
5 844
3 516
(11 456)
(7 459)
(9 279)
(9 664)
9 995
(3 212)
(2 361)
3 767
(3 950)
2 431
(18 166)
(29 392)
(26 363)
(25 687)
(4 246)
(1 141)
3 108
(407)
(364)
10 150
(16 332)
(25 831)
(33 551)
(57 713)
(22 830)
(13 768)
(12 467)
(958)
(25 395)
(17 725)
(18 067)
(6 052)
Cash from Investing Activities
(4 652)
N/A
(3 425)
+26%
1 391
N/A
2 116
+52%
9 404
+344%
10 103
+7%
14 265
+41%
14 683
+3%
5 329
-64%
3 356
-37%
(4 366)
N/A
(3 076)
+30%
(289)
+91%
(1 051)
-264%
2 345
N/A
1 966
-16%
421
-79%
1 105
+162%
(1 391)
N/A
(2 415)
-74%
(2 614)
-8%
(2 333)
+11%
(117)
+95%
(3 239)
-2 668%
(1 748)
+46%
(2 797)
-60%
114
N/A
2 859
+2 408%
4 853
+70%
8 037
+66%
637
-92%
3 251
+410%
(1 867)
N/A
(1 455)
+22%
5 103
N/A
2 566
-50%
(12 034)
N/A
(8 059)
+33%
(9 923)
-23%
(10 204)
-3%
9 171
N/A
(4 047)
N/A
(3 290)
+19%
2 787
N/A
(4 853)
N/A
1 429
N/A
(19 212)
N/A
(30 622)
-59%
(27 627)
+10%
(26 885)
+3%
(5 438)
+80%
(2 225)
+59%
1 853
N/A
(1 655)
N/A
(1 539)
+7%
9 049
N/A
(17 358)
N/A
(26 908)
-55%
(34 736)
-29%
(58 996)
-70%
(24 126)
+59%
(15 077)
+38%
(13 747)
+9%
(2 319)
+83%
(26 785)
-1 055%
(19 139)
+29%
(19 448)
-2%
(7 390)
+62%
Financing Cash Flow
Net Issuance of Common Stock
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
1 502
1 502
0
0
0
0
0
0
12
0
13
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
Net Issuance of Debt
0
0
0
0
4 712
4 712
(95)
(95)
(4 807)
(4 796)
2 054
(75)
686
778
(2 198)
1 233
139
94
1 599
2 639
4 162
3 989
2 450
3 158
1 173
4 028
918
(1 530)
59
(4 723)
(816)
(1 034)
(513)
1 559
2 682
3 089
5 100
7 330
5 317
5 510
3 285
684
1 608
(1 579)
(1 085)
(2 492)
(2 402)
130
(496)
(1 230)
(2 748)
(1 009)
(3 694)
7 965
8 778
2 748
4 930
(3 786)
(4 923)
1 198
1 736
2 496
5 091
6 699
4 525
1 535
4 337
(555)
Cash Paid for Dividends
(4)
(4)
(4)
0
(12 742)
(12 744)
(12 746)
(13 663)
(921)
(919)
(917)
0
(2 163)
(2 163)
(2 163)
(4 036)
(1 873)
(1 873)
(1 873)
(2 489)
(4 166)
(4 166)
(4 166)
(1 677)
(1 468)
(2 936)
(2 936)
(2 936)
(4 059)
0
(2 591)
0
(1 796)
0
0
0
(1 209)
0
0
(1 209)
(2 159)
0
0
(2 418)
(2 418)
0
0
0
0
0
0
0
(3 022)
0
0
0
(1 675)
0
0
(3 747)
(2 072)
0
0
0
(3 748)
0
0
0
Other
0
0
0
0
0
0
0
0
0
(2)
(3)
(6)
(9)
(8)
(8)
(13)
(13)
(18)
(18)
(14)
(15)
(11)
(14)
(17)
(15)
(15)
(12)
(34)
(34)
(58)
(53)
(89)
419
432
404
399
(1 936)
(1 990)
(2 013)
(3 722)
(1 939)
(2 004)
(2 088)
(1 895)
(1 984)
(1 987)
(1 966)
(517)
(485)
(391)
(307)
(1 099)
(1 107)
(1 105)
(1 121)
(1 171)
(1 141)
(1 241)
(1 232)
(1 498)
(1 586)
(1 595)
(6 092)
(4 979)
(4 875)
(4 885)
(4 325)
(5 112)
Cash from Financing Activities
(4)
N/A
(4)
N/A
(4)
N/A
0
N/A
(8 030)
N/A
(8 032)
0%
(12 840)
-60%
(13 758)
-7%
(5 728)
+58%
(5 717)
+0%
1 133
N/A
(81)
N/A
(1 486)
-1 735%
(1 393)
+6%
(4 370)
-214%
(2 817)
+36%
(1 747)
+38%
(1 796)
-3%
(291)
+84%
137
N/A
(20)
N/A
(190)
-850%
(1 731)
-811%
1 463
N/A
(310)
N/A
1 077
N/A
(2 029)
N/A
(4 500)
-122%
(4 034)
+10%
(7 372)
-83%
(1 958)
+73%
(2 212)
-13%
(1 890)
+15%
195
N/A
(213)
N/A
190
N/A
1 955
+929%
4 131
+111%
2 107
-49%
591
-72%
(800)
N/A
(3 466)
-333%
(2 638)
+24%
(8 050)
-205%
(5 487)
+32%
(6 897)
-26%
(6 786)
+2%
(387)
+94%
(981)
-153%
(1 621)
-65%
(3 055)
-88%
(2 108)
+31%
(7 823)
-271%
3 838
N/A
4 635
+21%
(1 445)
N/A
2 114
N/A
(6 702)
N/A
(7 830)
-17%
(4 047)
+48%
(1 922)
+53%
(1 171)
+39%
(3 073)
-162%
1 720
N/A
(4 098)
N/A
(7 098)
-73%
(3 736)
+47%
(9 415)
-152%
Change in Cash
Effect of Foreign Exchange Rates
0
0
0
0
0
(3)
0
(15)
(14)
(17)
(17)
0
1
2
2
(4)
(4)
(1)
(2)
(1)
(6)
(6)
(2)
(34)
37
28
37
67
25
16
33
12
53
7
(43)
8
(77)
(7)
60
19
42
57
(50)
99
25
154
166
29
180
105
56
145
66
48
229
407
67
(21)
(241)
(376)
(251)
(264)
(101)
(334)
(33)
(55)
(133)
(11)
Net Change in Cash
(41)
N/A
(25)
+39%
(35)
-40%
(95)
-171%
(167)
-76%
(104)
+38%
16
N/A
26
+63%
56
+115%
5
-91%
(86)
N/A
(123)
-43%
(186)
-51%
(133)
+28%
(150)
-13%
(142)
+5%
(102)
+28%
157
N/A
3
-98%
248
+8 167%
306
+23%
133
-57%
147
+11%
7
-95%
(246)
N/A
(85)
+65%
152
N/A
(80)
N/A
2 116
N/A
1 216
-43%
1 108
-9%
2 073
+87%
533
-74%
1 430
+168%
9 938
+595%
6 846
-31%
5 266
-23%
8 535
+62%
(141)
N/A
(609)
-332%
8 816
N/A
(1 381)
N/A
(590)
+57%
78
N/A
(9 267)
N/A
2 755
N/A
5 325
+93%
(60)
N/A
151
N/A
(1 793)
N/A
(5 319)
-197%
1 384
N/A
1 508
+9%
9 389
+523%
9 047
-4%
14 554
+61%
6 513
-55%
64
-99%
(5 816)
N/A
(9 670)
-66%
1 742
N/A
(887)
N/A
4 291
N/A
8 926
+108%
(2 575)
N/A
2 318
N/A
4 585
+98%
(6 122)
N/A

See Also

Summary
PZU intrinsic value, competitors valuation, and company profile.
DCF Valuation
PZU stock valuation using Discount Cash Flow valuation method.
Relative Valuation
PZU stock valuation using valuation multiples.
Wall Street Estimates
PZU price targets and financial estimates made by Wall st analysts.
Profitability Analysis
Detailed analysis of the company's profitability.
Solvency Analysis
Analysis of the financial position and solvency of the company.
Financials
Income Statement, Balance Sheet, Cash Flow Statement.
Discount Rate
PZU stock discount rate: cost of equity and WACC.
Summary
DCF Valuation
Relative Valuation
Wall Street Estimates
Profitability Analysis
Solvency Analysis
Financials
Discount Rate
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