Powszechny Zaklad Ubezpieczen SA (PZU) — Cash Flow-to-Debt Ratio
Powszechny Zaklad Ubezpieczen SA (PZU) has a Cash Flow-to-Debt Ratio of 0.02x as of December 2025, meaning its operating cash flow of zł9.34 Billion could theoretically repay 0% of its total liabilities (zł462.83 Billion) in one year. See Powszechny Zaklad Ubezpieczen SA financial flexibility index to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Powszechny Zaklad Ubezpieczen SA Cash Flow-to-Debt Ratio (2004–2025)
Historical debt coverage capacity for Powszechny Zaklad Ubezpieczen SA across 22 annual periods. For the full cash flow conversion analysis, see PZU cash generation efficiency.
Annual Cash Flow-to-Debt Ratio for Powszechny Zaklad Ubezpieczen SA (2004–2025)
Year-by-year debt coverage analysis for Powszechny Zaklad Ubezpieczen SA. Check earnings quality score of Powszechny Zaklad Ubezpieczen SA to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (PLN) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | zł10.52 Billion | zł462.83 Billion | ▼ -64.9% |
| 2024 | 0.06x | zł28.34 Billion | zł438.00 Billion | ▼ -6.0% |
| 2023 | 0.07x | zł28.04 Billion | zł407.41 Billion | ▲ +25.8% |
| 2022 | 0.05x | zł21.69 Billion | zł396.37 Billion | ▲ +167.4% |
| 2021 | 0.02x | zł7.41 Billion | zł362.13 Billion | ▼ -76.0% |
| 2020 | 0.09x | zł28.58 Billion | zł335.57 Billion | ▲ +2370.9% |
| 2019 | 0.00x | zł1.05 Billion | zł304.05 Billion | ▲ +149.0% |
| 2018 | 0.00x | zł403.00 Million | zł291.15 Billion | ▼ -97.5% |
| 2017 | 0.06x | zł15.42 Billion | zł279.80 Billion | ▲ +40.8% |
| 2016 | 0.04x | zł4.24 Billion | zł108.22 Billion | ▲ +50.9% |
| 2015 | 0.03x | zł2.34 Billion | zł90.25 Billion | ▼ -52.4% |
| 2014 | 0.05x | zł2.97 Billion | zł54.41 Billion | ▼ -18.5% |
| 2013 | 0.07x | zł3.29 Billion | zł49.23 Billion | ▼ -14.4% |
| 2012 | 0.08x | zł3.26 Billion | zł41.64 Billion | ▲ +93.3% |
| 2011 | 0.04x | zł1.59 Billion | zł39.26 Billion | ▲ +225.1% |
| 2010 | 0.01x | zł469.42 Million | zł37.73 Billion | ▲ +133.8% |
| 2009 | -0.04x | zł-1.54 Billion | zł41.91 Billion | ▼ -131.8% |
| 2008 | 0.12x | zł4.52 Billion | zł39.14 Billion | ▲ +100.4% |
| 2007 | 0.06x | zł2.06 Billion | zł35.79 Billion | ▼ -27.9% |
| 2006 | 0.08x | zł2.89 Billion | zł36.11 Billion | ▲ +87.1% |
| 2005 | 0.04x | zł1.37 Billion | zł32.15 Billion | ▼ -13.9% |
| 2004 | 0.05x | zł1.52 Billion | zł30.60 Billion | — |