Powszechny Zaklad Ubezpieczen SA (PZU) — Financial Flexibility Index

Latest as of December 2025: 0.02x

Powszechny Zaklad Ubezpieczen SA (PZU) has a Financial Flexibility Index of 0.02x as of December 2025. Free cash flow of zł10.00 Billion (operating CF zł9.34 Billion minus capex zł660.00 Million) represents 0% of total liabilities (zł462.83 Billion). Check cash flow reinvestment rate of Powszechny Zaklad Ubezpieczen SA to assess the company's total reinvestment commitment from operating cash flow.

Financial Flexibility Index

0.02x
Free Cash Flow / Total Liabilities

Free Cash Flow

zł10.00 Billion
Operating CF − Capex

Total Liabilities

zł462.83 Billion
PLN

Capital Expenditures

zł660.00 Million
PLN

Powszechny Zaklad Ubezpieczen SA Financial Flexibility Index (2004–2025)

Historical Financial Flexibility Index trend for Powszechny Zaklad Ubezpieczen SA across 22 annual periods. For the full cash flow conversion analysis, see PZU cash generation efficiency.

Annual Financial Flexibility Index for Powszechny Zaklad Ubezpieczen SA (2004–2025)

Year-by-year free cash flow to debt coverage for Powszechny Zaklad Ubezpieczen SA. Explore PZU cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.

Year Flexibility Index Free Cash Flow (PLN) Operating CF Total Liabilities YoY Change
2025 0.03x zł12.03 Billion zł10.52 Billion zł462.83 Billion ▼ -61.7%
2024 0.07x zł29.73 Billion zł28.34 Billion zł438.00 Billion ▼ -5.7%
2023 0.07x zł29.34 Billion zł28.04 Billion zł407.41 Billion ▲ +25.6%
2022 0.06x zł22.72 Billion zł21.69 Billion zł396.37 Billion ▲ +139.5%
2021 0.02x zł8.67 Billion zł7.41 Billion zł362.13 Billion ▼ -73.1%
2020 0.09x zł29.84 Billion zł28.58 Billion zł335.57 Billion ▲ +1286.0%
2019 0.01x zł1.95 Billion zł1.05 Billion zł304.05 Billion ▲ +52.3%
2018 0.00x zł1.23 Billion zł403.00 Million zł291.15 Billion ▼ -92.6%
2017 0.06x zł16.00 Billion zł15.42 Billion zł279.80 Billion ▲ +25.3%
2016 0.05x zł4.94 Billion zł4.24 Billion zł108.22 Billion ▲ +54.6%
2015 0.03x zł2.66 Billion zł2.34 Billion zł90.25 Billion ▼ -50.2%
2014 0.06x zł3.23 Billion zł2.97 Billion zł54.41 Billion ▼ -17.1%
2013 0.07x zł3.52 Billion zł3.29 Billion zł49.23 Billion ▼ -12.5%
2012 0.08x zł3.40 Billion zł3.26 Billion zł41.64 Billion ▲ +82.6%
2011 0.04x zł1.76 Billion zł1.59 Billion zł39.26 Billion ▲ +169.9%
2010 0.02x zł625.27 Million zł469.42 Million zł37.73 Billion ▼ -69.0%
2009 0.05x zł2.24 Billion zł-1.54 Billion zł41.91 Billion ▼ -54.1%
2008 0.12x zł4.56 Billion zł4.52 Billion zł39.14 Billion ▲ +97.4%
2007 0.06x zł2.11 Billion zł2.06 Billion zł35.79 Billion ▼ -26.2%
2006 0.08x zł2.89 Billion zł2.89 Billion zł36.11 Billion ▲ +87.3%
2005 0.04x zł1.37 Billion zł1.37 Billion zł32.15 Billion ▼ -13.9%
2004 0.05x zł1.52 Billion zł1.52 Billion zł30.60 Billion —
Financial Flexibility Index = (Operating CF − Capex) / Total Liabilities = Free Cash Flow / Total Liabilities