P

Powszechny Zaklad Ubezpieczen SA
WSE:PZU

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Powszechny Zaklad Ubezpieczen SA
WSE:PZU
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Price: 56.58 PLN 1.4% Market Closed
Market Cap: 48.9B PLN
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
Millions
Ones
Thousands
Millions
Billions
TTM
Quarterly
Annual
TTM
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
Revenue
Gross Premiums Earned
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
Revenue
19 278
N/A
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%
53 920
-2%
53 620
-1%
53 919
+1%
55 314
+3%
Operating Income
Operating Expenses
(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)
(27 888)
(27 720)
(29 089)
(30 900)
Selling, General & Administrative
(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)
(7 183)
(7 776)
(8 251)
(8 656)
Depreciation & Amortization
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)
(971)
(968)
(977)
(1 000)
Benefits Claims Loss Adjustment
(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)
Policy Acquisition Expense
(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
Other Operating Expenses
(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)
3 012
3 078
3 128
3 116
Operating Income
3 810
N/A
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%
26 032
0%
25 900
-1%
24 830
-4%
24 414
-2%
Pre-Tax Income
Interest Income Expense
(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)
Non-Reccuring Items
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)
(1 262)
(801)
(380)
(138)
Total Other Income
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)
(906)
(786)
(897)
(803)
Pre-Tax Income
3 885
N/A
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%
16 077
+8%
16 438
+2%
15 820
-4%
15 724
-1%
Net Income
Tax Provision
(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)
(3 625)
(3 678)
(3 570)
(3 516)
Income from Continuing Operations
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
12 452
12 760
12 250
12 208
Income to Minority Interest
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)
(6 686)
(6 895)
(6 738)
(6 939)
Net Income (Common)
3 091
N/A
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%
5 766
+7%
5 865
+2%
5 512
-6%
5 269
-4%
EPS (Diluted)
3.58
N/A
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%
6.68
+7%
6.79
+2%
6.38
-6%
6.1
-4%

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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