Revenue distribution by industry:

• Insurance: approx. 70%
• Banking: approx. 20%
• Asset management: approx. 10%

TOP 3 markets and their percentage shares:

• Poland: approx. 85%
• Lithuania: approx. 7%
• Ukraine: approx. 5%

Powszechny Zaklad Ubezpieczen SA (PZU) generates the majority of its revenue from the insurance industry, which is typical for a company of this kind. The Polish market dominates PZU's revenue structure as the company is headquartered there and conducts most of its business activities.

Lithuania and Ukraine are also significant markets for PZU, together accounting for about 12% of the revenues. These markets offer growth potential as PZU continues to expand its presence in Eastern Europe.

Production Sites: Poland (Headquarters)

Powszechny Zaklad Ubezpieczen SA (PZU) is primarily an insurance company and does not produce physical products in the traditional sense. The company offers a variety of insurance services, including life, health, and property insurance.

The headquarters and most operational activities are located in Poland. PZU is known for its strong market presence in Poland and also has business activities in other Central and Eastern European countries. Services are mainly offered through a network of agencies and online platforms.

Revenue Growth: Estimated 5-7% annually (based on industry trends 2023-2024)

Profit Growth: Estimated 4-6% annually (based on industry trends 2023-2024)

Powszechny Zaklad Ubezpieczen SA (PZU) pursues a strategy focused on diversification and digitalization to secure future growth. The company has increased its investments in digital platforms in recent years to enhance customer experience and improve operational efficiency.

Another key focus is on geographical expansion into Eastern European markets to expand the customer portfolio and tap into new sources of income. PZU also aims to develop new insurance products tailored to the changing needs of customers, especially in the areas of health and cyber insurance.

Additionally, PZU aims to strengthen its market position through strategic partnerships and acquisitions to leverage synergies, reduce costs, and increase profitability. These measures are intended to future-proof the company in an increasingly competitive market environment.

Commodity Imports: No specific commodities

Powszechny Zaklad Ubezpieczen SA (PZU) is an insurance company and not a manufacturing business. Therefore, it does not import physical commodities or materials as is common in the manufacturing industry.

As an insurance company, PZU focuses on financial services, including life, property, and casualty insurance. The main resources that PZU requires are financial and human resources to deliver and manage its services.

If PZU expands into other business areas that require physical materials, specific information on imports would be available. Currently, the focus remains on financial services and related markets.

Market share in Poland: Approximately 31% (2023)
Return on equity (ROE): 17.5% (2023)
Combined Ratio: 89.2% (2023)

Powszechny Zaklad Ubezpieczen SA (PZU) is the largest insurer in Poland and has a significant competitive advantage due to its high market share of around 31%. This enables PZU to leverage economies of scale and to have a strong negotiating position with suppliers and partners.

The return on equity of 17.5% indicates that the company operates efficiently and achieves high profitability. A combined ratio of 89.2% suggests that PZU operates profitably, as values below 100% indicate that premium income exceeds claims and administrative costs.

In addition, PZU benefits from strong brand recognition and a wide product portfolio that allows the company to meet various customer needs. The solid financial foundation and strategic market positioning further strengthen the competitive advantage.

Institutional Investor Share: approx. 60% (estimated for 2025) Insider Buys/Sells: No significant transactions known (as of 2025)

The institutional investor share at Powszechny Zaklad Ubezpieczen SA (PZU) typically stands at around 60%. This figure is based on historical trends and the usual participation of institutional investors in large publicly traded companies in Poland.

Regarding insider buys or sells, no significant transactions are known for the year 2025. This suggests that the management's confidence in the current company strategy remains stable, without major changes occurring in the personal holdings of executives.

Market share of Powszechny Zaklad Ubezpieczen SA (PZU): 31% (2025, estimated)

Top competitors and their market shares:

1. Powszechny Zaklad Ubezpieczen SA (PZU): 31%
2. Warta: 17%
3. Allianz Polska: 12%
4. Ergo Hestia: 10%
5. AXA Polska: 8%
6. Generali Polska: 7%
7. Link4: 5%

Powszechny Zaklad Ubezpieczen SA (PZU) is the largest insurer in Poland with a significant market share of 31%. This gives the company a substantial advantage in terms of economies of scale and bargaining power with suppliers and distribution partners.

PZU's moat is based on its strong brand presence, wide product portfolio, and established customer base. These factors allow PZU to operate more efficiently and offer more cost-effective insurance products.

Compared to competitors, PZU benefits from a long market presence and a comprehensive distribution network. While companies like Warta and Allianz Polska also hold significant market shares, they lack the same depth and breadth in product and service offerings.

However, competitors are also heavily investing in digital transformation and customer experience, enhancing their competitiveness. Therefore, PZU must continuously invest in innovation and customer retention to defend and expand its moat.

Revenue Growth: 7.5% (2024)
Profit Growth: 5.2% (2024)
Market Share in Poland: approximately 35% (2024)

Powszechny Zaklad Ubezpieczen SA (PZU) is the largest insurer in Poland and holds a significant market share of around 35%. The company achieved a revenue growth of 7.5% in 2024, attributed to strong demand for insurance products and an effective market strategy. The profit growth of 5.2% in the same year indicates PZU's ability to efficiently manage costs and remain profitable.

PZU has also invested in digitization and improving its services in recent years, leading to increased customer retention and satisfaction. These investments could potentially result in a stronger market position and higher margins in the long term.

Overall, PZU demonstrates stable financial indicators and a solid market position, making it a potentially attractive investment, especially for investors interested in an established player in the Polish insurance market.

Dividend Yield: 6.5% (estimated for 2025)
Payout Ratio: 75% (estimated for 2025)

Powszechny Zaklad Ubezpieczen SA (PZU) is known for its reliable dividend policy. Historically, the company has regularly paid out dividends, making it an attractive option for income-oriented investors.

The estimated dividend yield for 2025 is around 6.5%, which is relatively high compared to many other companies in the insurance industry. The payout ratio of about 75% indicates that PZU is distributing a significant portion of its profits to shareholders, which is a sign of financial stability and confidence in future earnings power.

In the past, PZU has maintained its dividend policy even in economically challenging times, indicating a strong capital base and a solid business model. Analysts expect PZU to continue its reliable dividend policy in the coming years as well.