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Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PL:PZU)
:PZU
Poland Market
PZU
Powszechny Zaklad Ubezpieczen Spolka Akcyjna
RESEARCH TOOLSreports

Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PZU) Ratios

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Powszechny Zaklad Ubezpieczen Spolka Akcyjna Ratios

PL:PZU's free cash flow for Q4 2025 was zł1.00. For the 2025 fiscal year, PL:PZU's free cash flow was decreased by zł and operating cash flow was zł0.34. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.00 0.00 0.44 27.16 31.09
Quick Ratio
 0.00 0.00 0.44 27.15 31.05
Cash Ratio
 0.00 0.00 0.44 2.54 4.67
Solvency Ratio
 0.02 0.02 0.02 0.02 0.01
Operating Cash Flow Ratio
 0.00 0.00 0.83 8.28 14.40
Short-Term Operating Cash Flow Coverage
 1.25 1.39 1.93 0.00 0.00
Net Current Asset Value
zł -442.38Bzł -442.38Bzł -422.87Bzł -315.48Bzł -349.55B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.07 0.05 0.06
Debt-to-Equity Ratio
 1.15 1.15 1.08 0.85 1.38
Debt-to-Capital Ratio
 0.53 0.53 0.52 0.46 0.58
Long-Term Debt-to-Capital Ratio
 0.41 0.41 0.36 0.44 0.57
Financial Leverage Ratio
 15.10 15.10 15.67 15.59 24.94
Debt Service Coverage Ratio
 1.05 1.05 0.96 2.56 2.47
Interest Coverage Ratio
 2.41 2.41 1.91 1.82 1.71
Debt to Market Cap
 0.69 0.68 0.83 0.59 0.74
Interest Debt Per Share
 55.79 55.80 49.54 39.84 33.39
Net Debt to EBITDA
 0.92 0.92 0.76 0.64 1.20
Profitability Margins
Gross Profit Margin
97.60%100.00%98.76%97.91%97.96%
EBIT Margin
40.69%37.85%43.25%45.95%30.93%
EBITDA Margin
43.13%40.13%45.96%48.49%34.12%
Operating Profit Margin
28.74%26.74%28.36%29.63%19.51%
Pretax Profit Margin
28.74%26.74%28.36%29.63%19.51%
Net Profit Margin
10.79%10.04%9.65%10.61%9.06%
Continuous Operations Profit Margin
22.53%20.96%22.07%22.98%13.58%
Net Income Per EBT
37.55%37.55%34.01%35.80%46.47%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.25%1.25%1.06%1.24%0.87%
Return on Equity (ROE)
19.79%18.89%16.64%19.25%21.62%
Return on Capital Employed (ROCE)
3.33%3.33%3.35%3.48%1.87%
Return on Invested Capital (ROIC)
2.54%2.54%2.53%1.78%2.48%
Return on Tangible Assets
1.27%1.27%1.08%1.25%0.88%
Earnings Yield
11.95%11.63%13.50%14.16%12.36%
Efficiency Ratios
Receivables Turnover
 14.72 15.83 10.43 10.97 0.00
Payables Turnover
 0.00 0.00 0.96 2.08 1.75
Inventory Turnover
 0.00 0.00 13.21 30.81 15.18
Fixed Asset Turnover
 29.60 31.82 31.91 12.26 9.69
Asset Turnover
 0.12 0.12 0.11 0.12 0.10
Working Capital Turnover Ratio
 -9.30 88.61 1.59 0.81 0.87
Cash Conversion Cycle
 24.79 23.06 -316.72 -130.67 -184.65
Days of Sales Outstanding
 24.79 23.06 35.00 33.26 0.00
Days of Inventory Outstanding
 0.00 0.00 27.63 11.85 24.05
Days of Payables Outstanding
 0.00 0.00 379.34 175.78 208.69
Operating Cycle
 24.79 23.06 62.63 45.11 24.05
Cash Flow Ratios
Operating Cash Flow Per Share
 20.81 23.12 32.83 32.48 25.12
Free Cash Flow Per Share
 19.06 21.37 35.33 30.98 23.93
CapEx Per Share
 1.75 1.75 1.61 1.50 1.19
Free Cash Flow to Operating Cash Flow
 0.92 0.92 1.08 0.95 0.95
Dividend Paid and CapEx Coverage Ratio
 3.35 3.72 5.52 8.33 8.03
Capital Expenditure Coverage Ratio
 11.92 13.23 20.39 21.64 21.14
Operating Cash Flow Coverage Ratio
 0.44 0.49 0.82 1.10 0.90
Operating Cash Flow to Sales Ratio
 0.29 0.30 0.51 0.51 0.52
Free Cash Flow Yield
29.38%32.02%77.07%65.53%67.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.37 8.60 7.41 7.06 8.09
Price-to-Sales (P/S) Ratio
 0.90 0.86 0.71 0.75 0.73
Price-to-Book (P/B) Ratio
 1.58 1.62 1.23 1.36 1.75
Price-to-Free Cash Flow (P/FCF) Ratio
 3.40 3.12 1.30 1.53 1.48
Price-to-Operating Cash Flow Ratio
 3.12 2.89 1.40 1.46 1.41
Price-to-Earnings Growth (PEG) Ratio
 -2.79 0.34 -1.01 0.73 -2.54
Price-to-Fair Value
 1.58 1.62 1.23 1.36 1.75
Enterprise Value Multiple
 3.01 3.07 2.32 2.19 3.34
Enterprise Value
 80.56B 82.15B 58.97B 57.74B 47.60B
EV to EBITDA
 3.01 3.07 2.32 2.19 3.34
EV to Sales
 1.30 1.23 1.07 1.06 1.14
EV to Free Cash Flow
 4.89 4.45 1.93 2.16 2.30
EV to Operating Cash Flow
 4.48 4.12 2.08 2.06 2.19
Tangible Book Value Per Share
 76.45 76.46 68.01 62.86 38.99
Shareholders’ Equity Per Share
 41.08 41.09 37.19 34.77 20.26
Tax and Other Ratios
Effective Tax Rate
 0.22 0.22 0.22 0.22 0.30
Revenue Per Share
 71.89 77.29 64.13 63.10 48.32
Net Income Per Share
 7.76 7.76 6.19 6.69 4.38
Tax Burden
 0.38 0.38 0.34 0.36 0.46
Interest Burden
 0.71 0.71 0.66 0.64 0.63
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.00 0.00 0.04
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.19 2.98 5.31 1.74 2.85
Currency in PLN