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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 Q2 2026 was zł0.58. For the 2026 fiscal year, PL:PZU's free cash flow was decreased by zł and operating cash flow was zł0.37. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.54 0.38 0.44 27.16 31.09
Quick Ratio
 0.54 0.38 0.44 27.15 31.05
Cash Ratio
 0.45 0.30 0.44 2.54 4.67
Solvency Ratio
 0.02 0.02 0.02 0.02 0.01
Operating Cash Flow Ratio
 0.50 0.37 0.83 8.28 14.40
Short-Term Operating Cash Flow Coverage
 5.63 1.39 1.93 0.00 0.00
Net Current Asset Value
zł -463.15Bzł -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
 1.38 1.15 1.08 0.85 1.38
Debt-to-Capital Ratio
 0.58 0.53 0.52 0.46 0.58
Long-Term Debt-to-Capital Ratio
 0.54 0.41 0.36 0.44 0.57
Financial Leverage Ratio
 16.29 15.10 15.67 15.59 24.94
Debt Service Coverage Ratio
 1.90 1.05 0.96 2.56 2.47
Interest Coverage Ratio
 2.72 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
 62.64 55.80 49.54 39.84 33.39
Net Debt to EBITDA
 0.91 0.92 0.76 0.64 1.20
Profitability Margins
Gross Profit Margin
61.63%62.60%98.76%97.91%97.96%
EBIT Margin
36.27%37.85%43.25%45.95%30.93%
EBITDA Margin
38.74%40.13%45.96%48.49%34.12%
Operating Profit Margin
26.52%26.74%28.36%29.63%19.51%
Pretax Profit Margin
26.52%26.74%28.36%29.63%19.51%
Net Profit Margin
9.72%10.04%9.65%10.61%9.06%
Continuous Operations Profit Margin
19.66%20.96%22.07%22.98%13.58%
Net Income Per EBT
36.67%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)
1.15%1.25%1.06%1.24%0.87%
Return on Equity (ROE)
18.41%18.89%16.64%19.25%21.62%
Return on Capital Employed (ROCE)
3.48%3.71%3.35%3.48%1.87%
Return on Invested Capital (ROIC)
2.55%2.82%2.53%1.78%2.48%
Return on Tangible Assets
1.17%1.27%1.08%1.25%0.88%
Earnings Yield
9.75%11.63%13.50%14.16%12.36%
Efficiency Ratios
Receivables Turnover
 14.31 15.83 10.43 10.97 0.00
Payables Turnover
 0.00 33.32 0.96 2.08 1.75
Inventory Turnover
 440.66 462.17 13.21 30.81 15.18
Fixed Asset Turnover
 14.61 31.82 31.91 12.26 9.69
Asset Turnover
 0.12 0.12 0.11 0.12 0.10
Working Capital Turnover Ratio
 -2.33 -2.54 1.59 0.81 0.87
Cash Conversion Cycle
 26.33 12.90 -316.72 -130.67 -184.65
Days of Sales Outstanding
 25.50 23.06 35.00 33.26 0.00
Days of Inventory Outstanding
 0.83 0.79 27.63 11.85 24.05
Days of Payables Outstanding
 0.00 10.95 379.34 175.78 208.69
Operating Cycle
 26.33 23.85 62.63 45.11 24.05
Cash Flow Ratios
Operating Cash Flow Per Share
 30.48 23.12 32.83 32.48 25.12
Free Cash Flow Per Share
 28.55 21.37 35.33 30.98 23.93
CapEx Per Share
 1.93 1.75 1.61 1.50 1.19
Free Cash Flow to Operating Cash Flow
 0.94 0.92 1.08 0.95 0.95
Dividend Paid and CapEx Coverage Ratio
 4.76 3.72 5.52 8.33 8.03
Capital Expenditure Coverage Ratio
 15.78 13.23 20.39 21.64 21.14
Operating Cash Flow Coverage Ratio
 0.55 0.49 0.82 1.10 0.90
Operating Cash Flow to Sales Ratio
 0.39 0.30 0.51 0.51 0.52
Free Cash Flow Yield
37.07%32.02%77.07%65.53%67.57%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.25 8.60 7.41 7.06 8.09
Price-to-Sales (P/S) Ratio
 1.00 0.86 0.71 0.75 0.73
Price-to-Book (P/B) Ratio
 1.93 1.62 1.23 1.36 1.75
Price-to-Free Cash Flow (P/FCF) Ratio
 2.70 3.12 1.30 1.53 1.48
Price-to-Operating Cash Flow Ratio
 2.53 2.89 1.40 1.46 1.41
Price-to-Earnings Growth (PEG) Ratio
 1.78 0.34 -1.01 0.73 -2.54
Price-to-Fair Value
 1.93 1.62 1.23 1.36 1.75
Enterprise Value Multiple
 3.49 3.07 2.32 2.19 3.34
Enterprise Value
 90.08B 82.15B 58.97B 57.74B 47.60B
EV to EBITDA
 3.49 3.07 2.32 2.19 3.34
EV to Sales
 1.35 1.23 1.07 1.06 1.14
EV to Free Cash Flow
 3.66 4.45 1.93 2.16 2.30
EV to Operating Cash Flow
 3.42 4.12 2.08 2.06 2.19
Tangible Book Value Per Share
 72.64 76.46 68.01 62.86 38.99
Shareholders’ Equity Per Share
 39.90 41.09 37.19 34.77 20.26
Tax and Other Ratios
Effective Tax Rate
 0.26 0.22 0.22 0.22 0.30
Revenue Per Share
 77.17 77.29 64.13 63.10 48.32
Net Income Per Share
 7.50 7.76 6.19 6.69 4.38
Tax Burden
 0.37 0.38 0.34 0.36 0.46
Interest Burden
 0.73 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 <0.01 0.00 0.04
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 2.74 2.98 5.31 1.74 2.85
Currency in PLN