Powszechny Zaklad Ubezpieczen SA (PZU) — Free Cash Flow Generation Index
Powszechny Zaklad Ubezpieczen SA (PZU) has a Free Cash Flow Generation Index of 0.93x as of December 2025. Free cash flow of zł8.68 Billion represents 1% of operating cash flow (zł9.34 Billion). See PZU working capital efficiency to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
Powszechny Zaklad Ubezpieczen SA Free Cash Flow Generation Index (2004–2025)
Historical FCF Generation Index trend for Powszechny Zaklad Ubezpieczen SA across 21 annual periods. Explore PZU operating cash flow to total debt to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for Powszechny Zaklad Ubezpieczen SA (2004–2025)
Year-by-year Free Cash Flow Generation Index for Powszechny Zaklad Ubezpieczen SA. For the full company profile including market capitalisation, see Powszechny Zaklad Ubezpieczen SA market cap and net worth.
| Year | FCG Index | Free Cash Flow (PLN) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.86x | zł9.01 Billion | zł10.52 Billion | zł1.51 Billion | ▼ -20.4% |
| 2024 | 1.08x | zł30.50 Billion | zł28.34 Billion | zł1.39 Billion | ▲ +12.8% |
| 2023 | 0.95x | zł26.75 Billion | zł28.04 Billion | zł1.30 Billion | ▲ +0.1% |
| 2022 | 0.95x | zł20.66 Billion | zł21.69 Billion | zł1.03 Billion | ▲ +14.7% |
| 2021 | 0.83x | zł6.16 Billion | zł7.41 Billion | zł1.25 Billion | ▼ -13.1% |
| 2020 | 0.96x | zł27.32 Billion | zł28.58 Billion | zł1.26 Billion | ▲ +590.8% |
| 2019 | 0.14x | zł145.00 Million | zł1.05 Billion | zł903.00 Million | ▲ +113.2% |
| 2018 | -1.04x | zł-421.00 Million | zł403.00 Million | zł824.00 Million | ▼ -208.5% |
| 2017 | 0.96x | zł14.84 Billion | zł15.42 Billion | zł578.00 Million | ▲ +15.3% |
| 2016 | 0.83x | zł3.54 Billion | zł4.24 Billion | zł700.00 Million | ▼ -3.3% |
| 2015 | 0.86x | zł2.02 Billion | zł2.34 Billion | zł320.91 Million | ▼ -5.5% |
| 2014 | 0.91x | zł2.71 Billion | zł2.97 Billion | zł257.34 Million | ▼ -2.0% |
| 2013 | 0.93x | zł3.07 Billion | zł3.29 Billion | zł225.11 Million | ▼ -2.5% |
| 2012 | 0.96x | zł3.11 Billion | zł3.26 Billion | zł144.88 Million | ▲ +6.9% |
| 2011 | 0.89x | zł1.42 Billion | zł1.59 Billion | zł168.44 Million | ▲ +33.8% |
| 2010 | 0.67x | zł313.57 Million | zł469.42 Million | zł155.85 Million | ▼ -32.5% |
| 2008 | 0.99x | zł4.47 Billion | zł4.52 Billion | zł46.16 Million | ▲ +1.6% |
| 2007 | 0.97x | zł2.01 Billion | zł2.06 Billion | zł53.10 Million | ▼ -2.4% |
| 2006 | 1.00x | zł2.88 Billion | zł2.89 Billion | zł3.97 Million | ▼ -0.1% |
| 2005 | 1.00x | zł1.37 Billion | zł1.37 Billion | zł0.00 | ▲ +0.0% |
| 2004 | 1.00x | zł1.52 Billion | zł1.52 Billion | zł0.00 | — |