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Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PL:PZU)
:PZU
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Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PZU) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Mar 19, 2026
Before Open (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
Last Year’s EPS
1.95
Same Quarter Last Year
Based on 0 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Nov 20, 2025|
% Change Since:
|
Earnings Call Sentiment|Positive
The earnings call presents a largely positive outlook with strong financial performance, growth across multiple segments, and successful new product launches. However, there are challenges in specific areas such as the motor insurance portfolio, regulatory challenges in Lithuania, and pressure from investment income that need to be managed carefully.
Company Guidance
During the call, PZU Group provided detailed guidance for the third quarter of 2025, highlighting several key metrics. The company achieved PLN 23.1 billion in sales, with a consolidated profit of PLN 5.2 billion over the first nine months. Their capital position was robust, with solvency ratios of 234% for the group and 246% on a stand-alone basis. The dividend yield for the dividend paid in October stood at around 8%, and the adjusted return on equity (aROE) was above 20%. Notably, the insurance service revenue increased by 73%, driven largely by non-life and non-motor insurance growth, especially in foreign markets such as Lithuania, Latvia, Estonia, and Ukraine. The combined ratio was noted to be 85.8%, showcasing effective cost management and profitability. The company also saw 2-digit growth dynamics in various segments, including non-motor insurance, individual protection insurance, and their health pillar. Additionally, they experienced a significant increase in assets under management, up by PLN 20 billion year-over-year. PZU's investment portfolio was primarily composed of bonds, with 81% of the portfolio consisting of bonds, including 65% sovereign bonds. The call outlined PZU's commitment to maintaining high profitability and exploring opportunities for further growth and diversification, including potential acquisitions in the health sector.
Strong Financial Performance
PZU Group achieved PLN 23.1 billion in sales with a consolidated profit of PLN 5.2 billion after 9 months. The capital position is robust at 234% solvency and 246% stand-alone solvency with a dividend yield of around 8%.
Growth in Insurance Segments
Major growth was seen in the non-life insurance, particularly non-motor insurance, and foreign markets. Individual Life Insurance segment also saw substantial growth.
High Operating Margins
PZU achieved an operating return on equity (aROE) of 22.1%, with a high operating margin in life insurance.
Increase in Assets and Stable Rating
The value of assets increased by PLN 20 billion year-to-year. PZU maintained a stable A- credit rating with a positive outlook from Standard & Poor's Global Ratings.
Successful Launch of New Products and Initiatives
New products were launched in the Individual Protection Insurance segment, and a 2-digit growth was achieved in external customer numbers in investment fund companies.
Positive Developments in Health and Investment Segments
The health segment experienced 2-digit growth, and there was a significant increase in the investment fund segment.
Record High Q3 Results
PZU's Q3 results were the highest ever, with a top-line growth of around 5% and a 170% year-to-year change in overall growth.

Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PL:PZU) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

PL:PZU Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Mar 19, 2026
2025 (Q4)
- / -
1.95
Nov 20, 2025
2025 (Q3)
- / 2.31
1.4163.83% (+0.90)
Aug 28, 2025
2025 (Q2)
- / 1.70
1.3823.19% (+0.32)
May 15, 2025
2025 (Q1)
- / 2.04
1.4540.69% (+0.59)
Mar 27, 2025
2024 (Q4)
- / 1.95
1.8893.23% (+0.06)
Nov 21, 2024
2024 (Q3)
- / 1.41
1.69-16.57% (-0.28)
Aug 29, 2024
2024 (Q2)
- / 1.38
1.79-22.91% (-0.41)
May 21, 2024
2024 (Q1)
- / 1.45
1.3388.37% (+0.11)
Mar 21, 2024
2023 (Q4)
- / 1.89
1.42932.19% (+0.46)
Nov 23, 2023
2023 (Q3)
- / 1.69
0.764121.20% (+0.93)
The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.
Beat
Missed

PL:PZU Earnings-Related Price Changes

Report Date
Price 1 Day Before
Price 1 Day After
Percentage Change
Nov 20, 2025
zł59.66zł61.80+3.59%
Aug 28, 2025
zł57.97zł57.06-1.57%
May 15, 2025
zł57.86zł58.49+1.09%
Mar 27, 2025
zł53.56zł54.73+2.18%
Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PL:PZU) report earnings?
Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PL:PZU) is schdueled to report earning on Mar 19, 2026, Before Open (Confirmed).
    What is Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PL:PZU) earnings time?
    Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PL:PZU) earnings time is at Mar 19, 2026, Before Open (Confirmed).
      Where can I see when companies are reporting earnings?
      You can see which companies are reporting today on our designated earnings calendar.
        What companies are reporting earnings today?
        You can see a list of the companies which are reporting today on TipRanks earnings calendar.
          What is the P/E ratio of Powszechny Zaklad Ubezpieczen Spolka Akcyjna stock?
          What is PL:PZU EPS forecast?
          Currently, no data Available
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