Powszechny Zaklad Ubezpieczen SA
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
Powszechny Zaklad Ubezpieczen SA (PZAKY) - Net Assets
Latest net assets as of December 2025: $72.65 Billion USD
Based on the latest financial reports, Powszechny Zaklad Ubezpieczen SA (PZAKY) has net assets worth $72.65 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) and total liabilities ($462.83 Billion). 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.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $72.65 Billion |
| % of Total Assets | 13.57% |
| Annual Growth Rate | 10.84% |
| 5-Year Change | 81.66% |
| 10-Year Change | 324.2% |
| Growth Volatility | 29.28 |
Powszechny Zaklad Ubezpieczen SA - Net Assets Trend (2004–2025)
This chart illustrates how Powszechny Zaklad Ubezpieczen SA's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Powszechny Zaklad Ubezpieczen SA (2004–2025)
The table below shows the annual net assets of Powszechny Zaklad Ubezpieczen SA from 2004 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $72.65 Billion | +11.33% |
| 2024-12-31 | $65.26 Billion | +7.90% |
| 2023-12-31 | $60.48 Billion | +52.14% |
| 2022-12-31 | $39.75 Billion | -0.61% |
| 2021-12-31 | $39.99 Billion | -7.85% |
| 2020-12-31 | $43.40 Billion | +10.47% |
| 2019-12-31 | $39.29 Billion | +5.03% |
| 2018-12-31 | $37.41 Billion | -0.52% |
| 2017-12-31 | $37.60 Billion | +119.54% |
| 2016-12-31 | $17.13 Billion | +12.83% |
| 2015-12-31 | $15.18 Billion | +15.27% |
| 2014-12-31 | $13.17 Billion | +0.30% |
| 2013-12-31 | $13.13 Billion | -8.00% |
| 2012-12-31 | $14.27 Billion | +10.88% |
| 2011-12-31 | $12.87 Billion | +0.54% |
| 2010-12-31 | $12.80 Billion | +13.61% |
| 2009-12-31 | $11.27 Billion | -40.91% |
| 2008-12-31 | $19.07 Billion | +13.06% |
| 2007-12-31 | $16.87 Billion | +26.51% |
| 2006-12-31 | $13.33 Billion | +22.38% |
| 2005-12-31 | $10.89 Billion | +30.21% |
| 2004-12-31 | $8.37 Billion | -- |
Equity Component Analysis
This analysis shows how different components contribute to Powszechny Zaklad Ubezpieczen SA'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 2786900000000.0% 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% |
| Common Stock | $86.00 Million | 0.24% |
| Other Components | $7.52 Billion | 21.19% |
| Total Equity | $35.47 Billion | 100.00% |
Powszechny Zaklad Ubezpieczen SA Competitors by Market Cap
The table below lists competitors of Powszechny Zaklad Ubezpieczen SA ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Cytokinetics Inc
NASDAQ:CYTK
|
$7.39 Billion |
|
Keyera Corp
PINK:KEYUF
|
$7.39 Billion |
|
Sartorius Aktiengesellschaft
PINK:SUVPF
|
$7.40 Billion |
|
Pinnacle Financial Partners, Inc.
NASDAQ:PNFP
|
$7.40 Billion |
|
Tata Motors Passenger Vehicles Limited
NSE:TMPV
|
$7.39 Billion |
|
China Railway Signal & Communication Corporation Limited
PINK:CRYCY
|
$7.38 Billion |
|
BELIMO Holding AG
OTCGREY:BLHWF
|
$7.38 Billion |
|
Smith AO Corporation
NYSE:AOS
|
$7.38 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Powszechny Zaklad Ubezpieczen SA'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 Zaklad Ubezpieczen SA'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: 0.32x
- 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 1.34x to 0.32x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | $9.69 | $13.00 | x |
| 2005-12-31 | $12.61 | $13.00 | x |
| 2006-12-31 | $15.44 | $13.00 | x |
| 2007-12-31 | $19.53 | $13.00 | x |
| 2008-12-31 | $22.08 | $13.00 | x |
| 2009-12-31 | $13.05 | $13.00 | x |
| 2010-12-31 | $14.82 | $13.00 | x |
| 2011-12-31 | $14.80 | $13.00 | x |
| 2012-12-31 | $16.43 | $13.00 | x |
| 2013-12-31 | $15.18 | $13.00 | x |
| 2014-12-31 | $15.25 | $13.00 | x |
| 2015-12-31 | $14.97 | $13.00 | x |
| 2016-12-31 | $15.07 | $13.00 | x |
| 2017-12-31 | $16.93 | $13.00 | x |
| 2018-12-31 | $17.29 | $13.00 | x |
| 2019-12-31 | $18.73 | $13.00 | x |
| 2020-12-31 | $21.75 | $13.00 | x |
| 2021-12-31 | $19.78 | $13.00 | x |
| 2022-12-31 | $20.26 | $13.00 | x |
| 2023-12-31 | $34.77 | $13.00 | x |
| 2024-12-31 | $37.19 | $13.00 | x |
| 2025-12-31 | $41.08 | $13.00 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Powszechny Zaklad Ubezpieczen SA 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 below the historical average (20.84%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | 25.38% | 28.80% | 0.19x | 4.66x | $1.29 Billion |
| 2005 | 29.51% | 38.77% | 0.19x | 3.95x | $2.13 Billion |
| 2006 | 27.80% | 37.30% | 0.20x | 3.71x | $2.37 Billion |
| 2007 | 21.35% | 37.75% | 0.18x | 3.12x | $1.91 Billion |
| 2008 | 12.22% | 13.67% | 0.29x | 3.05x | $422.91 Million |
| 2009 | 33.40% | 22.37% | 0.32x | 4.72x | $2.64 Billion |
| 2010 | 19.06% | 14.21% | 0.34x | 3.95x | $1.16 Billion |
| 2011 | 18.35% | 13.61% | 0.33x | 4.08x | $1.07 Billion |
| 2012 | 22.94% | 16.11% | 0.36x | 3.94x | $1.84 Billion |
| 2013 | 25.12% | 16.95% | 0.31x | 4.76x | $1.98 Billion |
| 2014 | 22.54% | 15.01% | 0.29x | 5.13x | $1.65 Billion |
| 2015 | 18.13% | 11.60% | 0.19x | 8.16x | $1.05 Billion |
| 2016 | 14.87% | 8.13% | 0.19x | 9.63x | $634.00 Million |
| 2017 | 19.80% | 8.42% | 0.11x | 21.71x | $1.43 Billion |
| 2018 | 21.53% | 8.18% | 0.12x | 22.01x | $1.72 Billion |
| 2019 | 20.38% | 7.86% | 0.12x | 21.23x | $1.68 Billion |
| 2020 | 10.18% | 4.75% | 0.11x | 20.18x | $34.30 Million |
| 2021 | 19.53% | 8.17% | 0.10x | 23.54x | $1.63 Billion |
| 2022 | 21.62% | 9.06% | 0.10x | 24.94x | $2.03 Billion |
| 2023 | 19.21% | 10.46% | 0.12x | 15.59x | $2.76 Billion |
| 2024 | 16.64% | 9.65% | 0.11x | 15.67x | $2.13 Billion |
| 2025 | 18.89% | 10.35% | 0.12x | 15.10x | $3.15 Billion |
Industry Comparison
This section compares Powszechny Zaklad Ubezpieczen SA's net assets metrics with peer companies in the Insurance - Property & Casualty industry.
Industry Context
- Industry: Insurance - Property & Casualty
- Average net assets among peers: $3,948,110,200
- Average return on equity (ROE) among peers: 16.04%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Powszechny Zaklad Ubezpieczen SA (PZAKY) | $72.65 Billion | 25.38% | 6.37x | $7.39 Billion |
| American Coastal Insurance Corp (ACIC) | $45.29 Million | -2.04% | 3.72x | $250.00 Million |
| American Financial Group Inc (AFG) | $1.95 Billion | -0.76% | 7.91x | $8.54 Billion |
| AmTrust Financial Services Inc Pref Series A (AFSIA) | $118.83 Million | 11.87% | 3.19x | $1.69 Billion |
| Aspen Insurance Holdings Limited (AHL) | $2.39 Billion | 15.82% | 1.78x | $14.67 Million |
| American Integrity Insurance Group, Inc. (AII) | $337.02 Million | 29.56% | 2.63x | $227.08 Million |
| Assurant Inc (AIZ) | $3.37 Billion | 2.66% | 6.24x | $10.74 Billion |
| The Allstate Corporation (ALL) | $30.61 Billion | 33.59% | 2.91x | $53.61 Billion |
| Admiral Group plc (AMIGF) | $68.95 Million | 44.87% | 4.47x | $10.33 Billion |
| Ategrity Specialty Insurance Company Holdings (ASIC) | $398.81 Million | 11.81% | 1.82x | $155.46 Million |
| Bowhead Specialty Holdings Inc. (BOW) | $192.08 Million | 13.04% | 4.35x | $707.67 Million |