73.54
+0.74%
Close of 9 Nov 2026, in PLN
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About Powszechny Zaklad Ubezpieczen
Its shares trade on GPW under the ticker PZU.WA. It has been listed since 12 May 2010. In the fiscal year to 31 December 2025, it reported revenue before interest expense of PLN 66.72bn and net income of PLN 6.70bn. At that date it held total assets of PLN 535.48bn and shareholders' equity of PLN 35.47bn.
Powszechny Zaklad Ubezpieczen SA engages in the provision of life and non-life insurance services. The company is headquartered in Warsaw, Woj. Mazowieckie. The company went IPO on 2010-05-12. PZU SA is the parent company for numerous entities comprising the PZU Group. The firm provides property and casualty insurance in terms of gross written premiums, with motor insurance for retail and corporate customers as its principal product. PZU Zycie provides life insurance in terms of gross written premiums with group and individual life insurance as its principal products. PTE PZU manages OFE PZU Zlota Jesien, an open pension fund. TFI PZU offers participation units in open investment funds, including specialized open funds; investment certificates in closed investment fund; investment plans; and pension schemes, including Employee Pension Schemes and Individual Pension Accounts. On September 15, 2014, the Company acquired 100% stake in Link4.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Insurance
- Listed since
- 12 May 2010
- Employees
- 40,805
- Website
- pzu.pl ↗
Leadership
Pay as last reported
- Mr. Marcin KubiczaIndependent Chairman of the Supervisory Board, since 2023PLN 282,000
- Mr. Bogdan BenczakPresident of the Management Board
- Ms. Malgorzata KurzynogaDeputy Independent Chairperson of the Supervisory Board, since 2024PLN 244,000
- Mr. Maciej FedynaMember of the Management BoardPLN 58,000
- Mr. Bartosz GrzeskowiakMember of the Management BoardPLN 972,000
- Ms. Elzbieta Hauser-SchoneichMember of the Management BoardPLN 1.1m
- Mr. Tomasz KulikMember of the Management BoardPLN 1.7m
- Mr. Tomasz TarkowskiMember of the Management BoardPLN 214,000
- Mr. Jan ZimowiczMember of the Management BoardPLN 972,000
- Mr. Filip GorczycaIndependent Member of the Supervisory BoardPLN 225,000
- Dr. Michal JonczynskiIndependent Member of the Supervisory BoardPLN 225,000
- Mr. Andrzej KaletaIndependent Member of the Supervisory BoardPLN 244,000
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 91
- Environment
- 96
- Social
- 99
- Governance
- 77
- Direct emissions (scope 1)
- 26,817 t
- Energy emissions (scope 2)
- 107,775 t
- Value chain emissions (scope 3)
- 19,475 t
- Women in the workforce
- 65.59575%
- Carbon reduction policy
- Yes
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Powszechny Zaklad Ubezpieczen SA (PZU) has several strengths that contribute to its success in the insurance industry. One of its key strengths is its strong brand reputation, which has been built over several years of providing reliable and quality insurance services. This brand recognition helps attract and retain customers. The company also benefits from a wide range of insurance products and services, offering coverage for various aspects of life, health, property, and automobile. This diverse portfolio allows PZU to cater to the different needs and preferences of its customers. Another strength of PZU is its extensive distribution network. The company has a large number of branches and agents across the country, enabling easy accessibility for customers. This widespread presence gives PZU a competitive advantage over its rivals in terms of market reach. Furthermore, PZU has a strong financial position. The company boasts a robust capital structure, which provides stability and peace of mind to policyholders. This financial stability is crucial in gaining the trust and confidence of customers.
Weaknesses
- Despite its strengths, PZU also faces certain weaknesses that could hinder its growth and performance. One of the weaknesses is its limited international presence. PZU primarily operates within Poland, which may limit its market expansion opportunities compared to global insurers. Additionally, PZU's dependence on traditional distribution channels can be considered a weakness in the age of digital transformation. With the increasing popularity of online insurance platforms, the company may face challenges in adapting to the changing market dynamics and customer preferences. Another weakness lies in the potential impact of regulatory changes. The insurance industry is subject to regulations that can significantly affect operations and profitability. PZU needs to closely monitor and adjust to changes to remain compliant and maintain a competitive edge.
Opportunities
- PZU can leverage various opportunities to strengthen its position in the market. One significant opportunity is the growing demand for insurance products in Poland. With increasing awareness of the importance of insurance coverage and economic development, PZU can tap into this expanding market and attract new customers. Furthermore, the advancement of technology and digitalization presents opportunities for PZU to improve its operational efficiency and customer experience. By investing in innovative technologies, such as online platforms, mobile applications, or data analytics, PZU can enhance its service offerings and engage with customers in a more personalized and convenient manner. PZU could also explore strategic partnerships or acquisitions to expand its product portfolio or enter new markets. Collaborating with fintech companies or other insurers may provide access to niche insurance segments or unlock synergies that drive growth.
Threats
- Like any other insurance company, PZU faces several threats that could impact its business operations. One significant threat is increased competition within the insurance industry. Rival insurers, both domestic and international, may offer competitive pricing, innovative products, or better customer experiences, posing a challenge to PZU's market share. Economic fluctuations and market uncertainties also pose threats to PZU. In times of economic downturn, demand for insurance products may decline, leading to reduced revenues and profitability. Additionally, fluctuations in interest rates and investment market conditions can affect the returns generated from PZU's investment portfolio. Lastly, changing consumer behavior and preferences can pose a threat to PZU. As customer expectations evolve, PZU needs to consistently adapt its offerings and services to meet their needs. Failure to keep pace with changing trends may result in customer attrition and loss of market share.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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