Powszechny Zaklad Ubezpieczen SA
Powszechny Zaklad Ubezpieczen SA Fundamental Analysis
Powszechny Zaklad Ubezpieczen SA (PZAKY) shows strong financial fundamentals with a PE ratio of 8.65, profit margin of 10.35%, and ROE of 19.79%. The company generates $64.7B in annual revenue with strong year-over-year growth of 17.07%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 77.5/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze PZAKY's fundamental strength across five key dimensions:
Efficiency Score
WeakPZAKY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentPZAKY trades at attractive valuation levels.
Growth Score
ModeratePZAKY shows steady but slowing expansion.
Financial Health Score
ModeratePZAKY shows balanced financial health with some risks.
Profitability Score
ModeratePZAKY maintains healthy but balanced margins.
Key Financial Metrics
Is PZAKY Expensive or Cheap?
P/E Ratio
PZAKY trades at 8.65 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, PZAKY's PEG of -0.77 indicates potential undervaluation.
Price to Book
The market values Powszechny Zaklad Ubezpieczen SA at 1.63 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 1.04 times EBITDA. This is generally considered low.
How Well Does PZAKY Make Money?
Net Profit Margin
For every $100 in sales, Powszechny Zaklad Ubezpieczen SA keeps $10.35 as profit after all expenses.
Operating Margin
Core operations generate 27.57 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $19.79 in profit for every $100 of shareholder equity.
ROA
Powszechny Zaklad Ubezpieczen SA generates $1.25 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Powszechny Zaklad Ubezpieczen SA produces operating cash flow of $10.52B, showing steady but balanced cash generation.
Free Cash Flow
Powszechny Zaklad Ubezpieczen SA generates strong free cash flow of $9.01B, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $10.44 in free cash annually.
FCF Yield
PZAKY converts 15.55% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.65
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.77
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.63
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.90
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
1.04
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.67
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.20
vs 25 benchmark
ROA
Return on assets percentage
0.01
vs 25 benchmark
ROCE
Return on capital employed
0.04
vs 25 benchmark
How PZAKY Stacks Against Its Sector Peers
| Metric | PZAKY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.65 | 18.50 | Better (Cheaper) |
| ROE | 19.79% | 809.00% | Weak |
| Net Margin | 10.35% | 2211.00% | Weak |
| Debt/Equity | 1.04 | 0.90 | Neutral |
| Current Ratio | 1.67 | 692.04 | Neutral |
| ROA | 1.25% | -24328.00% (disorted) | Weak |
PZAKY outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Powszechny Zaklad Ubezpieczen SA's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
53.99%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
3.02%
Industry Style: Value, Dividend, Cyclical
GrowingFCF CAGR
2942.87%
Industry Style: Value, Dividend, Cyclical
High Growth