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STOCKS

Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PL:PZU)

:PZU

PZU

Powszechny Zaklad Ubezpieczen Spolka Akcyjna

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Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PZU) Ratios

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Powszechny Zaklad Ubezpieczen Spolka Akcyjna Ratios

PL:PZU's free cash flow for Q2 2025 was zł0.86. For the 2025 fiscal year, PL:PZU's free cash flow was decreased by zł and operating cash flow was zł0.36. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.00	27.16	31.09	32.31	10.88
Quick Ratio	0.00	27.15	31.05	32.27	10.87
Cash Ratio	0.00	2.54	4.67	4.34	1.05
Solvency Ratio	0.02	0.02	0.02	0.02	<0.01
Operating Cash Flow Ratio	0.00	8.28	14.40	4.61	4.37
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	zł -455.36B	zł -315.48B	zł -349.55B	zł -310.21B	zł -264.44B
Leverage Ratios
Debt-to-Assets Ratio	0.06	0.05	0.06	0.04	0.07
Debt-to-Equity Ratio	0.96	0.85	1.38	1.05	1.33
Debt-to-Capital Ratio	0.49	0.46	0.58	0.51	0.57
Long-Term Debt-to-Capital Ratio	0.48	0.44	0.57	0.51	0.53
Financial Leverage Ratio	16.27	15.59	24.94	23.54	20.18
Debt Service Coverage Ratio	2.83	2.56	2.42	16.74	4.27
Interest Coverage Ratio	3.02	2.84	2.20	10.08	2.01
Debt to Market Cap	0.56	0.59	0.74	0.59	0.76
Interest Debt Per Share	44.72	39.84	33.39	21.29	30.31
Net Debt to EBITDA	0.30	0.64	1.23	1.21	2.84
Profitability Margins
Gross Profit Margin	64.77%	100.00%	100.00%	100.00%	100.00%
EBIT Margin	38.66%	45.29%	26.13%	19.29%	12.91%
EBITDA Margin	40.26%	47.80%	28.08%	22.29%	15.89%
Operating Profit Margin	36.84%	45.74%	21.23%	10.44%	5.68%
Pretax Profit Margin	26.45%	29.16%	15.37%	18.25%	10.08%
Net Profit Margin	9.59%	10.46%	10.63%	13.31%	4.75%
Continuous Operations Profit Margin	20.68%	22.59%	10.63%	13.34%	6.29%
Net Income Per EBT	36.27%	35.86%	69.15%	72.90%	47.12%
EBT Per EBIT	71.80%	63.76%	72.41%	174.85%	177.52%
Return on Assets (ROA)	1.18%	1.23%	1.21%	1.35%	0.50%
Return on Equity (ROE)	19.08%	19.21%	30.07%	31.81%	10.18%
Return on Capital Employed (ROCE)	4.52%	5.43%	2.42%	1.06%	0.61%
Return on Invested Capital (ROIC)	0.00%	2.78%	3.17%	1.49%	0.63%
Return on Tangible Assets	1.19%	1.25%	1.22%	1.37%	0.51%
Earnings Yield	11.76%	14.13%	17.20%	17.81%	6.84%
Efficiency Ratios
Receivables Turnover	13.89	11.10	0.00	0.00	0.00
Payables Turnover	36.93	0.00	0.00	0.00	0.00
Inventory Turnover	289.90	0.00	0.00	0.00	0.00
Fixed Asset Turnover	15.35	12.40	11.50	9.85	9.61
Asset Turnover	0.12	0.12	0.11	0.10	0.11
Working Capital Turnover Ratio	0.00	0.82	1.03	0.71	0.65
Cash Conversion Cycle	17.65	32.87	0.00	0.00	0.00
Days of Sales Outstanding	26.27	32.87	0.00	0.00	0.00
Days of Inventory Outstanding	1.26	0.00	0.00	0.00	0.00
Days of Payables Outstanding	9.88	0.00	0.00	0.00	0.00
Operating Cycle	27.53	32.87	0.00	0.00	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	34.18	32.48	25.12	8.59	33.10
Free Cash Flow Per Share	32.42	30.98	23.93	7.13	31.64
CapEx Per Share	1.76	1.50	1.19	1.45	1.46
Free Cash Flow to Operating Cash Flow	0.95	0.95	0.95	0.83	0.96
Dividend Paid and CapEx Coverage Ratio	5.60	8.33	8.03	1.73	22.61
Capital Expenditure Coverage Ratio	19.41	21.64	21.14	5.91	22.61
Operating Cash Flow Coverage Ratio	0.96	1.10	0.90	0.41	1.14
Operating Cash Flow to Sales Ratio	0.46	0.51	0.44	0.18	0.71
Free Cash Flow Yield	53.73%	65.53%	67.57%	20.17%	97.77%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.50	7.08	5.82	5.62	14.61
Price-to-Sales (P/S) Ratio	0.82	0.74	0.62	0.75	0.69
Price-to-Book (P/B) Ratio	1.63	1.36	1.75	1.79	1.49
Price-to-Free Cash Flow (P/FCF) Ratio	1.86	1.53	1.48	4.96	1.02
Price-to-Operating Cash Flow Ratio	1.77	1.46	1.41	4.12	0.98
Price-to-Earnings Growth (PEG) Ratio	1.80	0.73	-1.83	0.03	-0.23
Price-to-Fair Value	1.63	1.36	1.75	1.79	1.49
Enterprise Value Multiple	2.33	2.19	3.43	4.56	7.21
Enterprise Value	59.88B	57.74B	47.60B	41.51B	46.12B
EV to EBITDA	2.33	2.19	3.43	4.56	7.21
EV to Sales	0.94	1.05	0.96	1.02	1.15
EV to Free Cash Flow	2.14	2.16	2.30	6.74	1.69
EV to Operating Cash Flow	2.03	2.06	2.19	5.60	1.61
Tangible Book Value Per Share	67.48	62.86	38.99	39.17	43.34
Shareholders’ Equity Per Share	37.02	34.77	20.26	19.78	21.75
Tax and Other Ratios
Effective Tax Rate	0.22	0.23	0.31	0.27	0.38
Revenue Per Share	73.96	63.85	57.30	47.30	46.62
Net Income Per Share	7.10	6.68	6.09	6.29	2.21
Tax Burden	0.36	0.36	0.69	0.73	0.47
Interest Burden	0.68	0.64	0.59	0.95	0.78
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.00	0.00	0.04	0.04	0.04
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	2.07	1.74	2.85	0.99	7.04

Currency in PLN

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