What is Powszechny Zaklad Ubezpieczen SA's (PZU.WA) StockRank?

MoatMap's StockRank for Powszechny Zaklad Ubezpieczen SA (PZU.WA) is 76/100, with a Buy signal. This is a composite score combining Quality (64), Value (63), and Momentum (36) factor ranks across MoatMap's 20,000+ stock universe.

Does Powszechny Zaklad Ubezpieczen SA have an economic moat?

Powszechny Zaklad Ubezpieczen SA (PZU.WA) has a Quality factor score of 64/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Powszechny Zaklad Ubezpieczen SA a buy, hold, or sell?

MoatMap's current signal for Powszechny Zaklad Ubezpieczen SA (PZU.WA) is Buy, based on a StockRank of 76/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.

What sector is Powszechny Zaklad Ubezpieczen SA in?

Powszechny Zaklad Ubezpieczen SA (PZU.WA) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (Poland).

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PZU.WA

BUYREMOVE

Powszechny Zaklad Ubezpieczen SA · Financial Services · Poland · $15.3B · Avg Vol: $30M/d

StockRank

P/E (TTM)

9.2x

ROE

18.3%

D/E

0.6x

Dividend %

7.2%

Director Trades · 180d

None in 180d →

Buybacks · 180d

None in 180d →

AI CONVICTION THESIS

PZU is a dominant Polish financial institution. While it has solid market share, it lacks the global scalability, asset-light compounding, and high-conviction macro tailwinds we require.

COMPANY DESCRIPTION

Powszechny Zaklad Ubezpieczen SA is the undisputed leader in the Polish insurance sector, providing life and non-life insurance, asset management, and pension services. Its competitive moat is built on a dominant market share, an unparalleled distribution network, and immense brand equity. The company is a highly profitable financial conglomerate with strategic stakes in major Polish banks.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR
Revenue	11.5B	15.0B	17.2B	17.8B	15.8%
EPS	1.21	1.84	1.71	2.14	21.0%
Shares	864M	864M	864M	864M	0.0%
Debt	6.6B	7.0B	8.4B	10.2B	15.4%
Equity	7.2B	8.3B	8.9B	9.8B	10.7%
Op CF	6.0B	7.8B	7.8B	2.9B	-21.4%
Inv CF	-4.8B	-6.7B	-7.4B	-1.6B	—
Fin CF	583M	-530M	-1.1B	-969M	—

PRICE (1M)+4.6%

SMA 50SMA 200

$18.62

RSI (14)

66.5

52W High

$20.05

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

2.9%*66.5

ROE

18.3%81.1

GP/Assets

6.9%65.2

Op. Margin

34.4%52.4

FCF/Assets

0.7%34.2

Piotroski

—90.6

Int. Cover

3.4x28.9

D/E Ratio

0.62x40.1

Current Ratio

4.60x75.8

Value

P/E (TTM)

9.2x73.7

EV/EBITDA

3.6x71.1

P/FCF

57.6x41.5

P/B

1.6x29.1

P/S

0.9x86.9

Div Yield

7.2%87.0

Momentum

52W High %

93%55.6

RS 6M

-12%35.3

SMA 50/200

1.03x49.1

EPS Rev 4W

—N/A

EPS Rev 12W

—N/A

EPS Improve

-14%13.9

Q Growth

-23%14.1

FUNDAMENTALS

Market Cap

$15.3B

P/E (Forward)

10.7x

Gross Margin

58.9%

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of PZU.WA are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
PZU.WA	Powszechny Zaklad Ubezpieczen SA(you)	$15.3B	76	BUY
PEO.WA	Bank Polska Kasa Opieki S.A.	$17.5B	71	BUY
EBP.WA	Erste Bank Polska S.A.	$17.3B	68	BUY
MBK.WA	mBank S.A.	$15.0B	62	HOLD
BNP.WA	BNP Paribas Bank Polska S.A.	$5.9B	74	BUY
ING.WA	ING Bank Slaski S.A.	$15.7B	55	HOLD
PKO.WA	Powszechna Kasa Oszczednosci Bank Polski Spólka Akcyjna	$35.5B	66	BUY
BHW.WA	Bank Handlowy w Warszawie S.A.	$4.5B	63	HOLD
MIL.WA	Bank Millennium S.A.	$6.6B	54	HOLD
ALR.WA	Alior Bank S.A.	$4.5B	57	HOLD

Peer medians: ROE 15.8% · P/E 9.5x · Gross margin 0.0%

Powszechny Zaklad Ubezpieczen SA (PZU.WA) — Stock Score Summary

Powszechny Zaklad Ubezpieczen SA (PZU.WA) has a MoatMap StockRank of 76/100 based on Quality (64/100), Value (63/100), and Momentum (36/100) factor scores. The current signal is BUY. PZU is a dominant Polish financial institution. While it has solid market share, it lacks the global scalability, asset-light compounding, and high-conviction macro tailwinds we require.

Key Financial Metrics

Price	$18.62
Market Cap	$15.3B
P/E (TTM)	9.20
P/E (Forward)	10.68
Price/Book	1.57
Return on Equity	18.3%
Debt/Equity	61.91
Gross Margin	58.9%
Operating Margin	34.4%
Revenue Growth	-4.7%
Dividend Yield	7.2%
Free Cash Flow	$266M

Powszechny Zaklad Ubezpieczen SA operates in the Insurance - Property & Casualty industry, part of the Financial Services sector (Poland).

Frequently Asked Questions

What is Powszechny Zaklad Ubezpieczen SA’s (PZU.WA) StockRank?: MoatMap’s StockRank for Powszechny Zaklad Ubezpieczen SA (PZU.WA) is 76/100, with a Buy signal. It is a composite of Quality (64), Value (63), and Momentum (36) factor ranks across MoatMap’s 20,000+ stock universe.
Does Powszechny Zaklad Ubezpieczen SA have an economic moat?: Powszechny Zaklad Ubezpieczen SA (PZU.WA) has a Quality factor score of 64/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage — the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Powszechny Zaklad Ubezpieczen SA a buy, hold, or sell?: MoatMap’s current signal for Powszechny Zaklad Ubezpieczen SA (PZU.WA) is Buy, based on a StockRank of 76/100. Signals are derived mechanically from the StockRank composite and should be one input among many — combine with your own thesis on management, competitive position, and valuation.
What sector is Powszechny Zaklad Ubezpieczen SA in?: Powszechny Zaklad Ubezpieczen SA (PZU.WA) operates in the Financial Services sector, specifically the Insurance - Property & Casualty industry (Poland).