Powszechny Zaklad Ubezpieczen SA (PZU) — Financial Flexibility Index
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). Also explore Powszechny Zaklad Ubezpieczen SA net asset momentum to track the company's year-over-year net asset growth rate.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Powszechny Zaklad Ubezpieczen SA Financial Flexibility Index (2004–2025)
Historical Financial Flexibility Index trend for Powszechny Zaklad Ubezpieczen SA across 22 annual periods. Check PZU strategic assets to equity ratio to assess the company's strategic physical and investment asset allocation.
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. For the full company profile including market capitalisation, see PZU market cap overview.
| 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 | — |