Powszechny Zaklad Ubezpieczen S.A. (PZU.WA) stock analysis

In our weekly check, Powszechny Zaklad Ubezpieczen S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 4, red flags: 4.

About Powszechny Zaklad Ubezpieczen S.A.

Powszechny Zaklad Ubezpieczen S.A. is a Financial Services company (Insurance - Property & Casualty), listed on WSE as PZU.WA.

What our checks show for PZU.WA

Red flags

• The gross margin fell by 28.8 points, to 61.6%: costs are rising faster than prices.
• Analysts expect revenue to shrink about 23.9% a year.
• Recovering from its deepest fall took about 3.4 years.
• Return on capital (ROCE) is only 3.5%.

Warning signs

• The net margin is only 9.7%: little room if costs rise.
• The stock has fallen as much as 60% from a peak. Would you have held through that?

Strengths

• The net margin rose by 1.6 points over 5 years, to 9.7%.
• Operating cash flow is 4.06x net profit: the profit arrives as real cash.
• Analysts expect the net margin to improve by 10.8 points from today's 9.7%.
• Revenue grew 16.9% a year over the last 3 years.
• Net profit grew 19.7% a year over the last 3 years.
• Free cash flow is 37% of revenue: cash for dividends, buybacks or growth.

Next earnings report: 2026-11-19

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Questions

What grade does Powszechny Zaklad Ubezpieczen S.A. (PZU.WA) have?

In our weekly check, Powszechny Zaklad Ubezpieczen S.A. is graded B (A to F). Of 25 checks on debt, profit, cash flow and trend: 17 pass, warnings: 4, red flags: 4. The grade is a risk check, not a buy or sell recommendation.

What are the main risks of PZU.WA stock?

This week's biggest flags for Powszechny Zaklad Ubezpieczen S.A.: Gross margin falling, Weak revenue forecast, Slow recovery after falls. In total 8 of 25 checks show a warning or a red flag.

What does Powszechny Zaklad Ubezpieczen S.A. do?

Powszechny Zaklad Ubezpieczen S.A. is a Financial Services company (Insurance - Property & Casualty), listed on WSE as PZU.WA.

When does Powszechny Zaklad Ubezpieczen S.A. report earnings next?

The next earnings report is expected on 2026-11-19. We re-run the checks every week, so the grade can change after it.

The grade is a risk check, not a price forecast, and not investment advice. In our 10-year test (S&P 500, 2016-2026), stocks we graded A or B fell more than 30% 2-3 times less often than D or F, without a lower average return.

Updated 2026-10-24

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