POWSZECHNY Z.U.ADR /1 ZY1 (7PZ0) - Net Assets
Based on the latest financial reports, POWSZECHNY Z.U.ADR /1 ZY1 (7PZ0) has net assets worth €72.65 Billion EUR (≈ $84.94 Billion USD) as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (€535.48 Billion ≈ $626.04 Billion USD) and total liabilities (€462.83 Billion ≈ $541.10 Billion USD). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off. Check POWSZECHNY Z.U.ADR /1 ZY1 (7PZ0) tangible net worth to evaluate the tangible quality of the company's equity base.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | €72.65 Billion |
| % of Total Assets | 13.57% |
| Annual Growth Rate | 12.73% |
| 5-Year Change | N/A |
| 10-Year Change | N/A |
| Growth Volatility | 7.14 |
POWSZECHNY Z.U.ADR /1 ZY1 - Net Assets Trend (2021–2025)
This chart illustrates how POWSZECHNY Z.U.ADR /1 ZY1's net assets have evolved over time, based on quarterly financial data. Explore cash efficiency ratio of POWSZECHNY Z.U.ADR /1 ZY1 to assess how effectively this company generates cash.
Annual Net Assets for POWSZECHNY Z.U.ADR /1 ZY1 (2021–2025)
The table below shows the annual net assets of POWSZECHNY Z.U.ADR /1 ZY1 from 2021 to 2025. For live valuation and market cap data, see 7PZ0 market cap.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | €72.65 Billion ≈ $84.94 Billion |
+11.33% |
| 2024-12-31 | €65.26 Billion ≈ $76.29 Billion |
+7.77% |
| 2023-12-31 | €60.55 Billion ≈ $70.79 Billion |
+25.04% |
| 2022-12-31 | €48.42 Billion ≈ $56.61 Billion |
+7.64% |
| 2021-12-31 | €44.99 Billion ≈ $52.59 Billion |
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Equity Component Analysis
This analysis shows how different components contribute to POWSZECHNY Z.U.ADR /1 ZY1's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 232.8% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | €27.87 Billion | 78.57% |
| Other Components | €7.60 Billion | 21.43% |
| Total Equity | €35.47 Billion | 100.00% |
POWSZECHNY Z.U.ADR /1 ZY1 Competitors by Market Cap
The table below lists competitors of POWSZECHNY Z.U.ADR /1 ZY1 ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
ARC Resources Ltd.
TO:ARX
|
$12.87 Billion |
|
Yunnan Aluminium Co Ltd
SHE:000807
|
$12.88 Billion |
|
Eurobank Ergasias Services and Holdings S.A.
AT:EUROB
|
$12.88 Billion |
|
MMG Limited
F:OMS1
|
$12.88 Billion |
|
Solstice Advanced Materials, Inc
NASDAQ:SOLS
|
$12.87 Billion |
|
Ivanhoe Mines Ltd.
TO:IVN
|
$12.86 Billion |
|
CP ALL Public Company Limited
BK:CPALL
|
$12.85 Billion |
|
Kingspan Group plc
IR:KRX
|
$12.85 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in POWSZECHNY Z.U.ADR /1 ZY1's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 32,111,000,000 to 35,471,000,000, a change of 3,360,000,000 (10.5%).
- Net income of 6,699,000,000 contributed positively to equity growth.
- Dividend payments of 3,859,000,000 reduced retained earnings.
- Other factors increased equity by 520,000,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | €6.70 Billion | +18.89% |
| Dividends Paid | €3.86 Billion | -10.88% |
| Other Changes | €520.00 Million | +1.47% |
| Total Change | €- | 10.46% |
Book Value vs Market Value Analysis
This analysis compares POWSZECHNY Z.U.ADR /1 ZY1's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 0.37x
- The company is trading below its book value, potentially indicating the market believes the assets are overvalued on the balance sheet or anticipates future losses.
- The price-to-book ratio has decreased from 0.59x to 0.37x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2021-12-31 | €25.56 | €15.00 | x |
| 2022-12-31 | €30.30 | €15.00 | x |
| 2023-12-31 | €34.78 | €15.00 | x |
| 2024-12-31 | €37.19 | €15.00 | x |
| 2025-12-31 | €41.08 | €15.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently POWSZECHNY Z.U.ADR /1 ZY1 utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 18.89%
- The company demonstrates strong efficiency in generating profits from shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 10.35%
- • Asset Turnover: 0.12x
- • Equity Multiplier: 15.10x
- Recent ROE (18.89%) is above the historical average (16.87%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2021 | 15.11% | 8.17% | 0.10x | 17.97x | €1.13 Billion |
| 2022 | 14.45% | 9.06% | 0.10x | 16.40x | €1.16 Billion |
| 2023 | 19.24% | 10.61% | 0.12x | 15.58x | €2.78 Billion |
| 2024 | 16.64% | 8.55% | 0.12x | 15.67x | €2.13 Billion |
| 2025 | 18.89% | 10.35% | 0.12x | 15.10x | €3.15 Billion |
Industry Comparison
This section compares POWSZECHNY Z.U.ADR /1 ZY1's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $46,535,349,714
- Average return on equity (ROE) among peers: 9.85%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| POWSZECHNY Z.U.ADR /1 ZY1 (7PZ0) | €72.65 Billion | 15.11% | 6.37x | $12.87 Billion |
| ZhongAn Online P & C Insurance Co. Ltd (1ZO) | $20.07 Billion | 20.31% | 1.14x | $2.16 Billion |
| REVO INSURANCE SPA O.N. (H0O) | $225.62 Million | 4.68% | 0.88x | $683.94 Million |
| Insurance Australia Group Limited (NRM) | $6.35 Billion | 6.85% | 3.67x | $10.48 Billion |
| The People's Insurance Company (Group) of China Limited (PIR) | $125.58 Billion | 10.44% | 5.23x | $6.02 Billion |
| PICC Property and Casualty Company Limited (PJC) | $141.50 Billion | 10.94% | 2.89x | $13.53 Billion |
| WHITE MTNS INS. GRP DL 1 (WNI) | $3.70 Billion | -7.43% | 0.89x | $4.33 Billion |
| GJENSIDIGE FORSI.UNSP.ADR (XGJ0) | $28.31 Billion | 23.16% | 5.78x | $11.78 Billion |
About POWSZECHNY Z.U.ADR /1 ZY1
Powszechny Zaklad Ubezpieczen SA provides life and non-life insurance products and services in Poland, the Baltic States, and Ukraine. It operates through Corporate Insurance; Mass Insurance; Group Insurance and Individually Continued Insurance; Individual Insurance; Life Investment Insurance; Investments; Banking; Pension Insurance; Baltic Countries; Ukraine; and Investment Contracts segments. T… Read more