Powszechny Zaklad Ubezpieczen Spolka Akcyjna (PWZYF) Ratios
Powszechny Zaklad Ubezpieczen Spolka Akcyjna Ratios
PWZYF's free cash flow for Q2 2026 was $15.03B. For the 2026 fiscal year, PWZYF's free cash flow was decreased by $-307.00M and operating cash flow was $15.34B. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.38 | 0.44 | 27.16 | 31.09 | 32.31 |
| Quick Ratio | 0.38 | 0.44 | 27.15 | 31.05 | 32.27 |
| Cash Ratio | 0.30 | 0.44 | 2.54 | 4.67 | 4.34 |
| Solvency Ratio | 0.02 | 0.02 | 0.02 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.37 | 0.83 | 8.28 | 14.40 | 4.61 |
| Short-Term Operating Cash Flow Coverage | 1.39 | 1.93 | 0.00 | 0.00 | 0.00 |
| Net Current Asset Value | $ -442.38B | $ -422.87B | $ -315.48B | $ -349.55B | $ -310.21B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.08 | 0.07 | 0.05 | 0.06 | 0.04 |
| Debt-to-Equity Ratio | 1.15 | 1.08 | 0.85 | 1.38 | 1.05 |
| Debt-to-Capital Ratio | 0.53 | 0.52 | 0.46 | 0.58 | 0.51 |
| Long-Term Debt-to-Capital Ratio | 0.41 | 0.36 | 0.44 | 0.57 | 0.51 |
| Financial Leverage Ratio | 15.10 | 15.67 | 15.59 | 24.94 | 23.54 |
| Debt Service Coverage Ratio | 1.05 | 0.96 | 2.56 | 2.47 | 17.03 |
| Interest Coverage Ratio | 2.41 | 1.91 | 1.82 | 1.71 | 17.62 |
| Debt to Market Cap | 0.68 | 0.83 | 0.59 | 0.74 | 0.59 |
| Interest Debt Per Share | 55.80 | 49.54 | 39.84 | 33.39 | 21.29 |
| Net Debt to EBITDA | 0.92 | 0.76 | 0.64 | 1.20 | 1.19 |
| Profitability Margins | |||||
| Gross Profit Margin | 62.60% | 98.76% | 97.91% | 97.96% | 90.44% |
| EBIT Margin | 37.85% | 43.25% | 45.95% | 30.93% | 19.29% |
| EBITDA Margin | 40.13% | 45.96% | 48.49% | 34.12% | 22.59% |
| Operating Profit Margin | 26.74% | 28.36% | 29.63% | 19.51% | 18.25% |
| Pretax Profit Margin | 26.74% | 28.36% | 29.63% | 19.51% | 18.25% |
| Net Profit Margin | 10.04% | 9.65% | 10.61% | 9.06% | 8.17% |
| Continuous Operations Profit Margin | 20.96% | 22.07% | 22.98% | 13.58% | 13.31% |
| Net Income Per EBT | 37.55% | 34.01% | 35.80% | 46.47% | 44.75% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.25% | 1.06% | 1.24% | 0.87% | 0.83% |
| Return on Equity (ROE) | 18.89% | 16.64% | 19.25% | 21.62% | 19.53% |
| Return on Capital Employed (ROCE) | 3.71% | 3.35% | 3.48% | 1.87% | 1.86% |
| Return on Invested Capital (ROIC) | 2.82% | 2.53% | 1.78% | 2.48% | 2.60% |
| Return on Tangible Assets | 1.27% | 1.08% | 1.25% | 0.88% | 0.84% |
| Earnings Yield | 11.63% | 13.50% | 14.16% | 12.36% | 10.93% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.83 | 10.43 | 10.97 | 0.00 | 0.00 |
| Payables Turnover | 33.32 | 0.96 | 2.08 | 1.75 | 0.00 |
| Inventory Turnover | 462.17 | 13.21 | 30.81 | 15.18 | 68.49 |
| Fixed Asset Turnover | 31.82 | 31.91 | 12.26 | 9.69 | 9.86 |
| Asset Turnover | 0.12 | 0.11 | 0.12 | 0.10 | 0.10 |
| Working Capital Turnover Ratio | -2.54 | 1.59 | 0.81 | 0.87 | 0.71 |
| Cash Conversion Cycle | 12.90 | -316.72 | -130.67 | -184.65 | 5.33 |
| Days of Sales Outstanding | 23.06 | 35.00 | 33.26 | 0.00 | 0.00 |
| Days of Inventory Outstanding | 0.79 | 27.63 | 11.85 | 24.05 | 5.33 |
| Days of Payables Outstanding | 10.95 | 379.34 | 175.78 | 208.69 | 0.00 |
| Operating Cycle | 23.85 | 62.63 | 45.11 | 24.05 | 5.33 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 23.12 | 32.83 | 32.48 | 25.12 | 8.59 |
| Free Cash Flow Per Share | 21.37 | 35.33 | 30.98 | 23.93 | 7.13 |
| Dividend Paid and CapEx Coverage Ratio | 3.72 | 5.52 | 8.33 | 8.03 | 1.73 |
| Capital Expenditure Coverage Ratio | 13.23 | 20.39 | 21.64 | 21.14 | 5.91 |
| Operating Cash Flow Coverage Ratio | 0.49 | 0.82 | 1.10 | 0.90 | 0.41 |
| Operating Cash Flow to Sales Ratio | 0.30 | 0.51 | 0.51 | 0.52 | 0.18 |
| Free Cash Flow Yield | 32.02% | 77.07% | 65.53% | 67.57% | 20.17% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 8.60 | 7.41 | 7.06 | 8.09 | 9.15 |
| Price-to-Sales (P/S) Ratio | 0.86 | 0.71 | 0.75 | 0.73 | 0.75 |
| Price-to-Book (P/B) Ratio | 1.62 | 1.23 | 1.36 | 1.75 | 1.79 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 3.12 | 1.30 | 1.53 | 1.48 | 4.96 |
| Price-to-Operating Cash Flow Ratio | 2.89 | 1.40 | 1.46 | 1.41 | 4.12 |
| Price-to-Earnings Growth (PEG) Ratio | 0.34 | -1.01 | 0.73 | -2.54 | 0.05 |
| Enterprise Value Multiple | 3.07 | 2.32 | 2.19 | 3.34 | 4.50 |
| Enterprise Value | 82.15B | 58.97B | 57.74B | 47.60B | 41.51B |
| EV to EBITDA | 3.07 | 2.32 | 2.19 | 3.34 | 4.50 |
| EV to Sales | 1.23 | 1.07 | 1.06 | 1.14 | 1.02 |
| EV to Free Cash Flow | 4.45 | 1.93 | 2.16 | 2.30 | 6.74 |
| EV to Operating Cash Flow | 4.12 | 2.08 | 2.06 | 2.19 | 5.60 |
| Tangible Book Value Per Share | 76.46 | 68.01 | 62.86 | 38.99 | 39.17 |
| Shareholders’ Equity Per Share | 41.09 | 37.19 | 34.77 | 20.26 | 19.78 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.22 | 0.22 | 0.22 | 0.30 | 0.27 |
| Revenue Per Share | 77.29 | 64.13 | 63.10 | 48.32 | 47.30 |
| Net Income Per Share | 7.76 | 6.19 | 6.69 | 4.38 | 3.86 |
| Tax Burden | 0.38 | 0.34 | 0.36 | 0.46 | 0.45 |
| Interest Burden | 0.71 | 0.66 | 0.64 | 0.63 | 0.95 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.01 | 0.00 | 0.04 | 0.04 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 2.98 | 5.31 | 1.74 | 2.85 | 0.99 |
Currency in PLN
