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). Explore Powszechny Zaklad Ubezpieczen SA capital spending ratio to see what proportion of operating cash flow is directed to capital expenditures.
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. For the full cash flow conversion analysis, see Powszechny Zaklad Ubezpieczen SA (PZU) cash conversion ratio.
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. Check PZU cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
| 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 | — |