Powszechny Zaklad Ubezpieczen SA (PZU) - Net Assets

Latest as of December 2025: zł72.65 Billion PLN

Based on the latest financial reports, Powszechny Zaklad Ubezpieczen SA (PZU) has net assets worth zł72.65 Billion PLN as of December 2025. Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (zł535.48 Billion) and total liabilities (zł462.83 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	zł72.65 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	zł72.65 Billion	+11.33%
2024-12-31	zł65.26 Billion	+7.90%
2023-12-31	zł60.48 Billion	+52.14%
2022-12-31	zł39.75 Billion	-0.61%
2021-12-31	zł39.99 Billion	-7.85%
2020-12-31	zł43.40 Billion	+10.47%
2019-12-31	zł39.29 Billion	+5.03%
2018-12-31	zł37.41 Billion	-0.52%
2017-12-31	zł37.60 Billion	+119.54%
2016-12-31	zł17.13 Billion	+12.83%
2015-12-31	zł15.18 Billion	+15.27%
2014-12-31	zł13.17 Billion	+0.30%
2013-12-31	zł13.13 Billion	-8.00%
2012-12-31	zł14.27 Billion	+10.88%
2011-12-31	zł12.87 Billion	+0.54%
2010-12-31	zł12.80 Billion	+13.61%
2009-12-31	zł11.27 Billion	-40.91%
2008-12-31	zł19.07 Billion	+13.06%
2007-12-31	zł16.87 Billion	+26.51%
2006-12-31	zł13.33 Billion	+22.38%
2005-12-31	zł10.89 Billion	+30.21%
2004-12-31	zł8.37 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	zł27.87 Billion	78.57%
Other Components	zł7.60 Billion	21.43%
Total Equity	zł35.47 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
Nextracker Inc. Class A Common Stock NASDAQ:NXT	$16.54 Billion
Western Midstream Partners LP NYSE:WES	$16.54 Billion
PTC Inc NASDAQ:PTC	$16.56 Billion
Yankuang Energy Group Co Ltd SHG:600188	$16.58 Billion
Unibail-Rodamco-Westfield AU:URW	$16.52 Billion
COSTAR GROUP INC. DL-01 F:RLG	$16.51 Billion
CDW Corp NASDAQ:CDW	$16.50 Billion
Beiersdorf Aktiengesellschaft F:BEI	$16.50 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 comprehensive income decreased equity by 21,545,000,000.
Other factors increased equity by 22,065,000,000.

Equity Change Factors (2024 to 2025)

Factor	Impact	Contribution
Net Income	zł6.70 Billion	+18.89%
Dividends Paid	zł3.86 Billion	-10.88%
Other Comprehensive Income	zł-21.55 Billion	-60.74%
Other Changes	zł22.07 Billion	+62.21%
Total Change	zł-	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: 1.69x
The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
The price-to-book ratio has decreased from 7.18x to 1.69x 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	zł9.69	zł69.58	x
2005-12-31	zł12.61	zł69.58	x
2006-12-31	zł15.44	zł69.58	x
2007-12-31	zł19.53	zł69.58	x
2008-12-31	zł22.08	zł69.58	x
2009-12-31	zł13.05	zł69.58	x
2010-12-31	zł14.82	zł69.58	x
2011-12-31	zł14.80	zł69.58	x
2012-12-31	zł16.43	zł69.58	x
2013-12-31	zł15.18	zł69.58	x
2014-12-31	zł15.25	zł69.58	x
2015-12-31	zł14.97	zł69.58	x
2016-12-31	zł15.07	zł69.58	x
2017-12-31	zł16.93	zł69.58	x
2018-12-31	zł17.29	zł69.58	x
2019-12-31	zł18.73	zł69.58	x
2020-12-31	zł21.75	zł69.58	x
2021-12-31	zł19.78	zł69.58	x
2022-12-31	zł20.26	zł69.58	x
2023-12-31	zł34.77	zł69.58	x
2024-12-31	zł37.19	zł69.58	x
2025-12-31	zł41.08	zł69.58	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 (22.32%), 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	zł1.29 Billion
2005	29.51%	38.77%	0.19x	3.95x	zł2.13 Billion
2006	27.80%	37.30%	0.20x	3.71x	zł2.37 Billion
2007	21.35%	37.75%	0.18x	3.12x	zł1.91 Billion
2008	12.30%	15.65%	0.26x	3.05x	zł437.64 Million
2009	33.40%	22.37%	0.32x	4.72x	zł2.64 Billion
2010	19.06%	34.49%	0.14x	3.95x	zł1.16 Billion
2011	18.35%	13.45%	0.33x	4.08x	zł1.07 Billion
2012	22.94%	16.11%	0.36x	3.94x	zł1.84 Billion
2013	25.12%	16.97%	0.31x	4.76x	zł1.98 Billion
2014	22.54%	15.02%	0.29x	5.13x	zł1.65 Billion
2015	18.12%	11.60%	0.19x	8.16x	zł1.05 Billion
2016	14.97%	8.15%	0.19x	9.63x	zł646.00 Million
2017	19.90%	8.75%	0.10x	21.71x	zł1.45 Billion
2018	21.53%	8.19%	0.12x	22.01x	zł1.72 Billion
2019	32.07%	12.37%	0.12x	21.23x	zł3.57 Billion
2020	10.18%	4.75%	0.11x	20.18x	zł34.30 Million
2021	31.81%	13.31%	0.10x	23.54x	zł3.73 Billion
2022	30.07%	10.63%	0.11x	24.94x	zł3.51 Billion
2023	19.21%	10.46%	0.12x	15.59x	zł2.76 Billion
2024	16.64%	9.65%	0.11x	15.67x	zł2.13 Billion
2025	18.89%	10.35%	0.12x	15.10x	zł3.15 Billion

Industry Comparison

This section compares Powszechny Zaklad Ubezpieczen SA's net assets metrics with peer companies in the Insurance - Property & Casualty industry.

No peer company data available for comparison.

About Powszechny Zaklad Ubezpieczen SA

WAR:PZU Poland Insurance - Property & Casualty

Market Cap

$16.54 Billion

zł60.08 Billion PLN

Market Cap Rank

#1354 Global

#10 in Poland

Share Price

zł69.58

Change (1 day)

+2.35%

52-Week Range

zł54.04 - zł72.12

All Time High

zł72.12