PZU SA (PZU) Stock Price, Fundamentals & Analysis

What PZU does

PZU SA (PZU) is a stock listed on the Warsaw Stock Exchange in the Financial Services sector, specifically in the Insurance - Property & Casualty industry. Headquartered in Warsaw, Poland, it employs 31,538 people. PZU provides life and non-life insurance products and services across Poland, the Baltic States, and Ukraine, operating through segments such as Corporate Insurance, Mass Insurance, Individual Insurance, Life Investment Insurance, Banking, Pension Insurance, and Investments. Its offerings range from motor, property, and casualty insurance to health and accident coverage, as well as banking, asset management, brokerage, finance leasing, and pension and mutual fund management.

Key numbers explained

• The current price is 73.18 PLN, down 0.41% today.
• The trailing P/E ratio of 9.7 shows how much investors pay per unit of recent earnings; a lower figure can suggest the stock is priced modestly relative to past earnings.
• The forward P/E ratio of 11.6 uses expected future earnings, offering a look at valuation based on analyst estimates.
• The dividend yield of 6.56% indicates the annual dividend as a percentage of the current share price, reflecting the income return the stock provides.
• The ex-dividend date is 16 Sept. 2026; buying before this date is typically required to receive the next dividend payment.
• 60% of earnings are paid out as dividends, showing the portion of profit returned to shareholders.
• The beta of 0.32 suggests the stock tends to move less than the overall market, often interpreted as lower volatility.
• The price-to-book ratio of 1.83 compares the market price to the company's book value per share.

What to watch

Investors tracking PZU often look at how its insurance and banking operations perform across Poland, the Baltics, and Ukraine. Because it is part of the WIG20, broader movements in the Polish equity index can influence its price. The company's revenue growth of -1.4% year over year and profit margin of 10.4% are useful indicators of top-line and bottom-line trends. The debt-to-equity ratio of 71.1% shows the level of financial leverage relative to shareholder equity. Upcoming results are expected on 19 Nov. 2026, which can drive short-term price reactions. For context on the sector, peers such as PKO Bank Polski (PKO), mBank (MBK), Kruk S.A. (KRU), Alior Bank (ALR), and Bank Pekao (PEO) operate in the Polish financial space.