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Powszechny Zaklad Ubezpieczen SA (PZAKY) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Powszechny Zaklad Ubezpieczen SA $19.00, price $19.46, upside -2.4%, quality 50 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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PZ
Some data
Oct 3, 2026
Some data
Oct 3, 2026
Powszechny Zaklad Ubezpieczen SA
PZAKY · USLow PriorityFair Value upside is limited and quality is weak.
·Fair value $19.00 · Fairly valued (−2.4%)
!Quality 50/100
✓Healthy Growth (revenue 5y +10.0 %/yr)
✓Solidly profitable · 10.1% net margin (TTM)
✓Moderate debt · generates free cash flow
✓7.0% dividend yield · Sustainable
!Moderate moat 54/100
!Evidence only medium, so the estimate is less certain
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range $2.30 – $22.01 · fair‑value band $13.44 – $23.75 · the $19.46 price screens above the $19.00 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
Company profile
Powszechny Zaklad Ubezpieczen SA provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine.
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Powszechny Zaklad Ubezpieczen SA provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine. It operates through Corporate Insurance; Mass Insurance; Group Insurance and Individually Continued Insurance; Individual Insurance; Life Investment Insurance; Investments; Banking; Pension Insurance; Baltic Countries; Ukraine; and Investment Contracts segments. The company offers motor, property, casualty, agricultural, fire, and third-party liability insurance, as well as health and accident insurance. It also provides banking, asset management, brokerage, investment and transaction advisory, finance leasing, and factoring; and transfer agent, call center, business consulting, IT, venture capital fund management, medical, training, assistance, data center, printing, human resources and payroll, and financial and accounting services, as well as manages pension and mutual funds. In addition, the company is involved in buying, operating, leasing, and selling real estate; property management; rental of office and commercial space; investment activities; and investment of free funds and development activity in the construction of commercial real estate. Further, it engages in the manufacture and sale of bathroom and kitchen taps, aluminum central heating radiators, shower cabins, valves, and screens; and auxiliary activities associated with insurance and pension funds. Powszechny Zaklad Ubezpieczen SA was founded in 1803 and is headquartered in Warsaw, Poland.
Stock analysis
Powszechny Zaklad Ubezpieczen SA (PZAKY) currently trades at $19.46, while our model-based Fair Value estimate is $19.00, so the stock looks roughly fairly valued today (gap 2.4%).
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $18.36 per share, and 2 of the 6 models we run sit above the $19.46 price.
Bear case: the Asset-Based group reads lowest at $7.07, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: $13.44 (bear) to $23.75 (bull), the price of $19.46 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 50/100 (below-average quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Powszechny Zaklad Ubezpieczen SA reported revenue of 64.7B PLN in FY2025 versus 40.8B PLN in FY2021, a compound +12.2%/yr. Reported net income was 6.7B PLN in FY2025, compounding +19.0%/yr from FY2021.
Key figures
Market cap $16.8B · P/E ratio 8.7 · P/S ratio 0.90 · EPS (TTM) $2.00 · Dividend yield 7.0% · Net margin 10.4% · Return on equity 18.3% · Return on assets (EBIT) 2.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −22% fair-value upside, at −2%, PZAKY screens cheaper than that median.
Fair Value models
Bear $13.44
Fair Value $19.00
Bull $23.75
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($1.51 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income
$12.57
$15.92
$24.38
75
Gordon GGM
$10.54
$21.92
$34.77
66
DDM Multi-Stage
$10.54
$18.36
$23.01
66
All 6 models by family
Dividend Discount
Gordon GGM
$10.54
$21.92
$34.77
66
DDM Multi-Stage
$10.54
$18.36
$23.01
66
Multiples
P/E Multiple
$19.43
$25.91
$32.39
63
P/B Multiple
$11.08
$14.78
$18.47
55
Asset-Based
NCAV (Graham)
$5.28
$7.07
$10.55
54
Economic Profit
Residual Income
$12.57
$15.92
$24.38
75
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Set up alert →Quality Score breakdown
Overall quality
50/100
Of which business quality 45 · Market factors (momentum, volatility) 67
Profitability
33
Margins and returns on capital today
Quality Growth
45
Are margins and returns improving?
Cashflow
70
Earnings quality: real cash, not paper profit
Fin. Strength
4
Balance sheet, leverage, solvency risk
Investment
54
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
70
Price trend over the last 3–12 months (market factor)
52W Momentum
81
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
91/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+16.9%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+15.8%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.0%
Start year 2020 (pandemic). Over 10 years: +12.3% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.9%
’14
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+22.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+15.2%
Dividend (yield on the price)7.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.15.2% vs 11.1%, picking up
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.10% → 28%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−25.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−9.2%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in PLN, Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about −28.1% a year for the price and −12.0% for the forecasts.
Forecast 2026 (sales)−49.8%
Forecast 2027 (sales)+6.1%
Projected 2028 (sales)+5.5%
Projected 2029 (sales)+5.0%
Projected 2030 (sales)+4.5%
Watch PZAKY, get fair value alerts →
Earlier news
News mood ⓘNews mood, the average tone of recent news (13 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.
Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.
- Powszechny Zaklad Ubezpieczen SA's Dividend Analysis
- Powszechny Zaklad Ubezpieczen SA (PZAKY) (H1 2026) Earnings Call Highlights: Record Profit and ...
- Powszechny Zaklad Ubezpieczen SA (PZAKY) Q1 2026 Earnings Call Highlights: Record Sales and ...
- Powszechny Zaklad Ubezpieczen SA (PZAKY) Full Year 2025 Earnings Call Highlights: Navigating ...
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Context: sector, industry, market
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
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| The Travelers Companies, Inc TRV | $356.51 | $279.78 | −22% |
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| Fairfax Financial Holdings FFH | C$2,219 | C$3,257 | +47% |
| Intact Financial Corporation IFC | C$250.54 | C$167.88 | −33% |
| Cincinnati Financial Corporation CINF | $161.92 | $143.72 | −11% |
| W. R. Berkley Corporation WRB | $67.66 | $47.22 | −30% |
| QBE Insurance Group QBE | A$23.81 | A$13.42 | −44% |
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Frequently asked questions
Is Powszechny Zaklad Ubezpieczen SA (PZAKY) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $19.00 versus the last price from Sep 25, 2026 of $19.46, about −2% upside (fairly valued).
What is the fair value of PZAKY?
Our model-based fair value for Powszechny Zaklad Ubezpieczen SA is $19.00 (as of Oct 3, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $19.46.
What is the quality score of PZAKY?
Powszechny Zaklad Ubezpieczen SA has a Quality Score of 50/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Powszechny Zaklad Ubezpieczen SA (PZAKY)?
Our model-based price target is the fair value of $19.00 (as of Oct 3, 2026) from 6 valuation models. Cautious scenario $13.44, optimistic scenario $23.75. It is a calculation from audited fundamentals, not an analyst target.
What is the Powszechny Zaklad Ubezpieczen SA stock forecast for 2026?
Our models put fair value at $19.00, about −2% upside versus the last price from Sep 25, 2026 of $19.46 (fairly valued). Cautious scenario $13.44, optimistic scenario $23.75. The calculation is refreshed regularly with new filings.
What is the revenue of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
Powszechny Zaklad Ubezpieczen SA reported trailing-twelve-month revenue of about 63.2B PLN (latest available figure, as of Oct 3, 2026).
Does Powszechny Zaklad Ubezpieczen SA pay a dividend?
Powszechny Zaklad Ubezpieczen SA currently shows a dividend yield of about 7.01% relative to its recent price (as of Oct 3, 2026).
What growth is priced into Powszechny Zaklad Ubezpieczen SA (PZAKY)?
For today's price to be fair in a discounted-cash-flow model, Powszechny Zaklad Ubezpieczen SA would have to grow free cash flow by -25.8 % per year for five years (discount rate 8.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.0 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of PZAKY use?
Our models discount Powszechny Zaklad Ubezpieczen SA at 8.1 %: a base by market capitalisation (large), damped by beta 0.32, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Powszechny Zaklad Ubezpieczen SA that is -25.8 % per year a year over ten years, using the same discount rate (8.1 %) and the same formula as our fair value.
How much growth has Powszechny Zaklad Ubezpieczen SA (PZAKY) delivered so far?
Over the past 5 years revenue at Powszechny Zaklad Ubezpieczen SA grew +10.0 % a year. The price currently implies -25.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Powszechny Zaklad Ubezpieczen SA (PZAKY) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Powszechny Zaklad Ubezpieczen SA (-25.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
The free-cash-flow yield on the price is 13.78 %: that much free cash flow Powszechny Zaklad Ubezpieczen SA produces per unit of market value. When it exceeds the discount rate of our models (8.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Powszechny Zaklad Ubezpieczen SA it is $19.00 per share (as of Oct 3, 2026), against a price of $19.46. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Powszechny Zaklad Ubezpieczen SA stock overvalued or undervalued in 2026?
As of Oct 3, 2026, PZAKY trades above its calculated fair value: price $19.46, fair value $19.00, a gap of about −2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of PZAKY?
No. The price is what the market pays today ($19.46); the fair value is what the company's own numbers justify ($19.00). For Powszechny Zaklad Ubezpieczen SA the two are $0.4600 per share apart. That gap is exactly why we show both numbers side by side.
How much is Powszechny Zaklad Ubezpieczen SA worth?
The market values Powszechny Zaklad Ubezpieczen SA at about $16.8B (market capitalisation, as of Oct 3, 2026). Per share that is $19.46; our models calculate a fair value of $19.00 per share.
What do the bullish and bearish scenarios say about PZAKY?
Our models span a range for Powszechny Zaklad Ubezpieczen SA: cautious scenario $13.44, base $19.00, optimistic $23.75 per share (as of Oct 3, 2026, price $19.46). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is PZAKY from its 52-week high?
Powszechny Zaklad Ubezpieczen SA trades at $19.46, about 12% below its 52-week high of $22.01 and 28% above the low of $15.25 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $19.00 is for.
Which stocks are comparable to Powszechny Zaklad Ubezpieczen SA?
From the same area (Financial Services) we also value Chubb Limited, The Progressive Corporation, The Travelers Companies, Inc, The Allstate Corporation, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Powszechny Zaklad Ubezpieczen SA stock attractive at the current price?
The data as of Oct 3, 2026: price $19.46, calculated fair value $19.00 (−2%), Quality Score 50/100, from 6 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of PZAKY calculated?
We run Powszechny Zaklad Ubezpieczen SA through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $19.00, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Powszechny Zaklad Ubezpieczen SA itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
The latest price we hold is from Sep 25, 2026 and stands at $19.46. Our model-based fair value is $19.00, about −2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Powszechny Zaklad Ubezpieczen SA right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Powszechny Zaklad Ubezpieczen SA (PZAKY) come from?
Earnings per share at Powszechny Zaklad Ubezpieczen SA grew +10.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +11.9 %, EBIT margin +7.2 %, tax rate −2.6 %, residual (interest, one-offs) −5.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Powszechny Zaklad Ubezpieczen SA
How large is the market capitalisation of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
The market capitalisation of Powszechny Zaklad Ubezpieczen SA is $16.8B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
The price-to-earnings ratio of Powszechny Zaklad Ubezpieczen SA is 8.7 (as of Jun 23, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
The price-to-sales ratio of Powszechny Zaklad Ubezpieczen SA is 0.90 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
Earnings per share at Powszechny Zaklad Ubezpieczen SA are $2.00 (price ÷ EPS = P/E 8.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
The dividend yield of Powszechny Zaklad Ubezpieczen SA is 7.0% (payout 68.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
The net margin of Powszechny Zaklad Ubezpieczen SA is 10.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
The return on equity (ROE) of Powszechny Zaklad Ubezpieczen SA is 18.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Powszechny Zaklad Ubezpieczen SA (PZAKY)?
On an EBIT basis the return on assets of Powszechny Zaklad Ubezpieczen SA is 2.7% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
How fast is revenue growing at Powszechny Zaklad Ubezpieczen SA (PZAKY)?
Revenue at Powszechny Zaklad Ubezpieczen SA is growing −4.7% versus a year earlier (3y avg +15.8%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Powszechny Zaklad Ubezpieczen SA (PZAKY)?
Earnings per share at Powszechny Zaklad Ubezpieczen SA are growing −22.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Powszechny Zaklad Ubezpieczen SA (PZAKY) carry?
The net debt of Powszechny Zaklad Ubezpieczen SA is 30.1B PLN (fiscal year 2025, ≈ 3.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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