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Powszechny Zaklad Ubezpieczen SA
WSE:PZU

Watchlist Manager
Powszechny Zaklad Ubezpieczen SA
WSE:PZU
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Price: 69.22 PLN 1.14%
Market Cap: zł59.8B
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Financials Section:
Income Statement Balance Sheet Cash Flow Statement

Income Statement

Income Statement
Powszechny Zaklad Ubezpieczen SA

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Income 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
Revenue
Interest Expense
0
0
0
0
0
0
0
0
0
2
7
37
46
51
52
38
42
43
51
54
61
85
98
118
131
134
133
118
118
252
396
531
676
665
730
1 016
1 306
1 625
1 876
1 938
1 987
2 016
2 060
2 083
2 081
2 036
1 823
1 483
1 099
747
488
375
374
556
1 204
2 470
4 001
5 642
6 981
7 743
7 984
7 976
7 842
7 740
7 719
7 719
0
0
Gross Premiums Earned
14 771
21 093
17 445
15 598
14 541
14 326
14 305
14 237
14 628
14 791
15 001
15 237
15 275
15 660
15 879
16 224
16 242
16 392
16 579
16 585
16 548
16 425
16 384
16 526
16 780
17 073
17 464
17 626
17 628
17 776
18 162
18 696
19 442
20 257
21 107
22 412
23 673
24 810
25 711
26 128
26 459
26 557
26 702
26 946
27 229
27 457
27 337
27 305
27 221
20 324
20 662
20 832
27 970
28 202
27 112
27 577
24 808
28 483
28 878
27 792
26 765
26 006
26 633
27 670
28 631
29 340
29 824
30 035
Revenue
16 327
N/A
23 774
+46%
20 168
-15%
18 384
-9%
17 166
-7%
16 956
-1%
16 908
0%
16 582
-2%
16 652
+0%
16 515
-1%
16 697
+1%
17 072
+2%
17 058
0%
17 713
+4%
18 044
+2%
18 841
+4%
19 853
+5%
19 595
-1%
19 653
+0%
19 509
-1%
19 026
-2%
19 017
0%
19 267
+1%
19 278
+0%
19 305
+0%
19 980
+3%
19 641
-2%
19 403
-1%
19 357
0%
19 674
+2%
20 653
+5%
22 161
+7%
23 675
+7%
25 083
+6%
26 751
+7%
29 718
+11%
32 762
+10%
34 902
+7%
37 626
+8%
38 172
+1%
38 709
+1%
39 375
+2%
39 591
+1%
39 804
+1%
40 858
+3%
40 438
-1%
40 607
+0%
40 100
-1%
38 775
-3%
39 481
+2%
38 886
-2%
39 138
+1%
39 370
+1%
40 678
+3%
41 717
+3%
42 664
+2%
42 910
+1%
50 116
+17%
52 524
+5%
55 095
+5%
54 129
-2%
53 620
-1%
53 919
+1%
55 314
+3%
56 607
+2%
57 537
+2%
58 608
+2%
58 669
+0%
Operating Income
Operating Expenses
(13 158)
(19 962)
(15 600)
(13 599)
(11 955)
(12 477)
(13 493)
(13 393)
(13 174)
(13 343)
(13 046)
(14 014)
(13 862)
(14 679)
(14 840)
(14 643)
(15 965)
(15 574)
(15 642)
(15 471)
(15 010)
(15 081)
(15 208)
(15 469)
(15 731)
(16 245)
(16 630)
(16 812)
(16 642)
(17 099)
(17 845)
(18 775)
(20 029)
(19 963)
(20 872)
(22 679)
(25 180)
(26 720)
(28 328)
(28 262)
(28 371)
(28 881)
(28 847)
(29 109)
(30 039)
(29 640)
(29 583)
(29 715)
(28 787)
(29 582)
(29 802)
(30 077)
(29 374)
(30 150)
(29 293)
(30 057)
(26 424)
(30 957)
(30 669)
(29 002)
(27 653)
(27 720)
(28 769)
(30 235)
(30 708)
(31 128)
(31 967)
(31 784)
Selling, General & Administrative
(1 775)
(1 707)
(1 728)
(1 772)
(1 809)
(1 728)
(1 727)
(1 639)
(1 506)
(1 471)
(1 371)
(1 342)
(1 287)
(1 420)
(1 438)
(1 444)
(1 351)
(1 402)
(1 395)
(1 406)
(1 328)
(1 380)
(1 399)
(1 430)
(1 438)
(1 526)
(1 560)
(1 535)
(1 559)
(1 768)
(2 051)
(2 357)
(2 992)
(3 201)
(3 715)
(4 648)
(5 434)
(6 195)
(6 762)
(6 797)
(6 722)
(6 664)
(6 559)
(6 553)
(6 562)
(6 684)
(6 698)
(6 677)
(6 651)
(6 643)
(6 753)
(6 861)
(7 006)
(7 059)
(6 533)
(6 776)
(6 035)
(6 703)
(6 859)
(6 249)
(10 332)
(7 776)
(8 251)
(8 656)
(10 696)
(11 394)
(12 122)
(13 039)
Depreciation & Amortization
0
0
0
0
0
0
0
0
0
0
0
0
(97)
0
0
0
(89)
0
0
0
(78)
(34)
(68)
0
(89)
(135)
(194)
(271)
(260)
(288)
(289)
(306)
(294)
(339)
(387)
(629)
(758)
(904)
(1 026)
(959)
(972)
(1 016)
(1 056)
(1 099)
(1 137)
(1 121)
(1 121)
(1 143)
(1 150)
(1 168)
(1 159)
(1 158)
(1 142)
(1 161)
(1 092)
(1 081)
(963)
(948)
(967)
(879)
(1 111)
(968)
(977)
(1 000)
(1 141)
(1 232)
(1 266)
(1 300)
Benefits Claims Loss Adjustment
(8 739)
(16 618)
(12 562)
(10 522)
(9 151)
(9 903)
(10 274)
(10 320)
(10 511)
(10 457)
(10 489)
(10 358)
(10 324)
(10 806)
(10 866)
(11 225)
(12 219)
(12 073)
(12 164)
(12 002)
(11 161)
(11 095)
(11 120)
(11 363)
(11 542)
(11 924)
(12 131)
(12 210)
(11 857)
(11 877)
(12 015)
(12 548)
(12 732)
(13 376)
(13 781)
(14 213)
(14 941)
(14 857)
(15 072)
(14 673)
(14 563)
(14 895)
(15 147)
(15 499)
(15 695)
(15 018)
(15 057)
(15 127)
(15 580)
(11 997)
(12 131)
(11 964)
(15 731)
(15 495)
(16 211)
(16 246)
(21 145)
(19 812)
(20 128)
(21 640)
(22 746)
(22 054)
(22 989)
(24 360)
(25 116)
(25 361)
(25 754)
(25 153)
Policy Acquisition Expense
(1 668)
(425)
(865)
(1 301)
(1 840)
(1 856)
(1 870)
(1 915)
(1 911)
(1 940)
(1 969)
(1 979)
(1 962)
(1 992)
(2 007)
(2 014)
(2 000)
(1 981)
(1 975)
(1 971)
(2 016)
(2 043)
(2 080)
(2 122)
(2 147)
(2 193)
(2 242)
(2 314)
(2 376)
(2 441)
(2 498)
(2 553)
(2 613)
(2 690)
(2 773)
(2 840)
(2 901)
(2 958)
(3 008)
(3 059)
(3 130)
(3 172)
(3 227)
(3 310)
(3 363)
(3 405)
(3 394)
(3 349)
(3 317)
(2 468)
(2 523)
(2 625)
(3 572)
(3 779)
0
(2 997)
(3 903)
0
0
0
0
0
0
0
0
0
0
0
Other Operating Expenses
(976)
(1 212)
(445)
(4)
844
1 010
378
481
754
526
782
(336)
(192)
(461)
(529)
39
(306)
(118)
(108)
(94)
(426)
(530)
(541)
(554)
(515)
(467)
(503)
(482)
(590)
(724)
(991)
(1 010)
(1 398)
(357)
(216)
(349)
(1 146)
(1 806)
(2 460)
(2 774)
(2 984)
(3 134)
(2 858)
(2 648)
(3 282)
(3 412)
(3 313)
(3 419)
(2 089)
(7 306)
(7 236)
(7 469)
(1 923)
(2 656)
(5 457)
(2 957)
5 622
(3 494)
(2 715)
(234)
6 536
3 078
3 448
3 781
6 245
6 859
7 175
7 708
Operating Income
3 169
N/A
3 811
+20%
4 569
+20%
4 786
+5%
5 210
+9%
4 480
-14%
3 415
-24%
3 190
-7%
3 478
+9%
3 173
-9%
3 651
+15%
3 057
-16%
3 196
+5%
3 033
-5%
3 204
+6%
4 198
+31%
3 887
-7%
4 021
+3%
4 010
0%
4 037
+1%
4 016
-1%
3 936
-2%
4 060
+3%
3 810
-6%
3 574
-6%
3 735
+5%
3 011
-19%
2 591
-14%
2 715
+5%
2 575
-5%
2 808
+9%
3 386
+21%
3 646
+8%
5 120
+40%
5 879
+15%
7 039
+20%
7 582
+8%
8 182
+8%
9 298
+14%
9 910
+7%
10 338
+4%
10 494
+2%
10 744
+2%
10 695
0%
10 819
+1%
10 798
0%
11 024
+2%
10 385
-6%
9 988
-4%
9 899
-1%
9 084
-8%
9 061
0%
9 996
+10%
10 528
+5%
12 424
+18%
12 607
+1%
16 486
+31%
19 159
+16%
21 855
+14%
26 093
+19%
26 476
+1%
25 900
-2%
25 150
-3%
25 079
0%
25 899
+3%
26 409
+2%
26 641
+1%
26 885
+1%
Pre-Tax Income
Interest Income Expense
246
(79)
(210)
(493)
(275)
(283)
(185)
(162)
(178)
(152)
(166)
(54)
(14)
(58)
(70)
(136)
(41)
(59)
(65)
(60)
(60)
(80)
(83)
(143)
(221)
(224)
(224)
(177)
(114)
(248)
(394)
(531)
(691)
(688)
(759)
(1 034)
(1 308)
(1 620)
(1 863)
(1 936)
(2 017)
(2 047)
(2 094)
(2 118)
(2 101)
(2 056)
(1 842)
(1 504)
(1 044)
(773)
(522)
(413)
(629)
(661)
(1 556)
(3 060)
(4 266)
(6 252)
(7 292)
(7 730)
(7 787)
(7 875)
(7 733)
(7 749)
(7 552)
(7 938)
(8 000)
(7 664)
Non-Reccuring Items
0
0
0
0
0
0
0
0
0
0
0
0
0
0
0
66
193
101
79
4
165
191
212
219
339
355
346
336
342
179
(36)
(228)
42
(911)
(1 010)
(1 180)
(774)
(973)
(1 020)
(1 110)
(1 205)
(1 156)
(1 490)
(1 527)
(1 606)
(2 458)
(4 117)
(4 155)
(4 851)
(4 107)
(2 188)
(2 071)
(1 869)
(1 862)
(2 276)
(2 427)
(3 317)
(3 327)
(2 916)
(2 680)
(1 269)
(801)
(700)
(803)
(1 389)
(1 048)
(690)
(281)
Gain/Loss on Disposition of Assets
5
0
0
0
3
0
0
0
5
0
0
0
2
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
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
Total Other Income
(488)
(271)
(211)
(165)
(372)
(83)
(95)
(95)
(276)
(12)
0
0
(277)
0
0
0
0
0
0
0
0
0
0
0
(1)
0
0
0
1
(1)
(4)
(5)
(9)
(11)
(15)
(19)
(26)
(37)
(41)
(45)
(30)
(34)
(30)
(29)
(32)
(36)
(30)
(26)
(35)
(7)
(10)
(10)
(44)
(19)
(191)
(199)
(766)
(467)
(535)
(757)
(1 275)
(786)
(897)
(803)
(1 253)
(1 040)
(1 058)
(991)
Pre-Tax Income
2 931
N/A
3 461
+18%
4 147
+20%
4 128
0%
4 566
+11%
4 115
-10%
3 136
-24%
2 934
-6%
3 029
+3%
3 009
-1%
3 485
+16%
3 003
-14%
2 908
-3%
2 975
+2%
3 134
+5%
4 128
+32%
4 039
-2%
4 064
+1%
4 025
-1%
3 982
-1%
4 120
+3%
4 046
-2%
4 188
+4%
3 885
-7%
3 692
-5%
3 866
+5%
3 134
-19%
2 751
-12%
2 944
+7%
2 506
-15%
2 374
-5%
2 622
+10%
2 988
+14%
3 510
+17%
4 095
+17%
4 806
+17%
5 474
+14%
5 552
+1%
6 374
+15%
6 819
+7%
7 086
+4%
7 257
+2%
7 130
-2%
7 021
-2%
7 080
+1%
6 248
-12%
5 035
-19%
4 700
-7%
4 058
-14%
5 012
+24%
6 364
+27%
6 567
+3%
7 454
+14%
7 986
+7%
8 401
+5%
6 921
-18%
8 137
+18%
9 113
+12%
11 112
+22%
14 926
+34%
16 145
+8%
16 438
+2%
15 820
-4%
15 724
-1%
15 705
0%
16 383
+4%
16 893
+3%
17 949
+6%
Net Income
Tax Provision
(601)
(704)
(822)
(793)
(803)
(690)
(513)
(499)
(590)
(587)
(664)
(582)
(564)
(600)
(626)
(800)
(785)
(795)
(812)
(801)
(826)
(827)
(847)
(793)
(724)
(718)
(566)
(515)
(601)
(546)
(563)
(604)
(614)
(708)
(806)
(1 041)
(1 289)
(1 378)
(1 609)
(1 656)
(1 718)
(1 853)
(1 849)
(1 846)
(1 895)
(1 786)
(1 740)
(1 628)
(1 528)
(1 617)
(1 655)
(1 771)
(2 020)
(2 153)
(2 416)
(2 100)
(2 471)
(2 660)
(2 885)
(3 672)
(3 626)
(3 678)
(3 570)
(3 516)
(3 484)
(3 613)
(3 683)
(3 955)
Income from Continuing Operations
2 330
2 758
3 326
3 336
3 763
3 425
2 623
2 435
2 439
2 422
2 821
2 422
2 344
2 376
2 509
3 328
3 254
3 269
3 213
3 180
3 295
3 217
3 339
3 091
2 968
3 148
2 568
2 236
2 343
1 961
1 812
2 019
2 374
2 802
3 289
3 765
4 185
4 174
4 765
5 163
5 368
5 404
5 281
5 175
5 185
4 462
3 295
3 072
2 530
3 395
4 709
4 796
5 434
5 833
5 985
4 821
5 666
6 453
8 227
11 254
12 519
12 760
12 250
12 208
12 221
12 770
13 210
13 994
Income to Minority Interest
0
0
0
0
0
0
0
0
0
1
2
2
1
1
1
0
1
3
1
1
(1)
(2)
(1)
0
0
0
0
0
0
(67)
(130)
(199)
(439)
(425)
(576)
(1 018)
(1 290)
(1 586)
(1 898)
(1 962)
(2 155)
(2 071)
(1 997)
(2 029)
(1 890)
(1 798)
(1 176)
(933)
(618)
(719)
(1 468)
(1 715)
(2 098)
(2 676)
(2 633)
(1 548)
(1 885)
(2 455)
(3 633)
(5 862)
(6 739)
(6 895)
(6 738)
(6 939)
(6 879)
(6 922)
(7 084)
(7 088)
Net Income (Common)
2 330
N/A
2 758
+18%
3 326
+21%
3 336
+0%
3 763
+13%
3 425
-9%
2 623
-23%
2 435
-7%
2 439
+0%
2 423
-1%
2 823
+17%
2 424
-14%
2 345
-3%
2 376
+1%
2 509
+6%
3 327
+33%
3 255
-2%
3 272
+1%
3 214
-2%
3 181
-1%
3 293
+4%
3 215
-2%
3 338
+4%
3 091
-7%
2 968
-4%
3 148
+6%
2 568
-18%
2 236
-13%
2 343
+5%
1 894
-19%
1 682
-11%
1 820
+8%
1 935
+6%
2 377
+23%
2 713
+14%
2 747
+1%
2 895
+5%
2 588
-11%
2 867
+11%
3 201
+12%
3 213
+0%
3 333
+4%
3 284
-1%
3 146
-4%
3 295
+5%
2 664
-19%
2 115
-21%
2 126
+1%
1 912
-10%
2 676
+40%
3 245
+21%
3 094
-5%
3 336
+8%
3 157
-5%
3 352
+6%
3 273
-2%
3 781
+16%
3 998
+6%
4 594
+15%
5 392
+17%
5 780
+7%
5 865
+1%
5 512
-6%
5 269
-4%
5 342
+1%
5 848
+9%
6 126
+5%
6 906
+13%
EPS (Diluted)
2.7
N/A
3.2
+19%
3.86
+21%
3.87
+0%
4.36
+13%
3.97
-9%
3.04
-23%
2.83
-7%
2.82
0%
2.81
0%
3.27
+16%
2.8
-14%
2.72
-3%
2.74
+1%
2.9
+6%
3.85
+33%
3.77
-2%
3.79
+1%
3.72
-2%
3.68
-1%
3.81
+4%
3.72
-2%
3.86
+4%
3.58
-7%
3.44
-4%
3.65
+6%
2.98
-18%
2.59
-13%
2.71
+5%
2.19
-19%
1.94
-11%
2.1
+8%
2.24
+7%
2.74
+22%
3.13
+14%
3.17
+1%
3.35
+6%
2.99
-11%
3.32
+11%
3.71
+12%
3.72
+0%
3.86
+4%
3.8
-2%
3.64
-4%
3.82
+5%
3.09
-19%
2.46
-20%
2.46
N/A
2.21
-10%
3.1
+40%
3.75
+21%
3.57
-5%
3.86
+8%
3.66
-5%
3.88
+6%
3.79
-2%
4.38
+16%
4.63
+6%
5.32
+15%
6.25
+17%
6.69
+7%
6.79
+1%
6.38
-6%
6.1
-4%
6.19
+1%
6.77
+9%
7.1
+5%
8
+13%

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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