Powszechny Zaklad Ubezpieczen SA (PZU) — Tangible Net Worth Ratio
Powszechny Zaklad Ubezpieczen SA (PZU) has a Tangible Net Worth Ratio of 94.7% as of December 2025. This metric is calculated by deducting intangible assets (zł3.82 Billion) from net assets (zł72.65 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See Powszechny Zaklad Ubezpieczen SA short-term liquidity ratio to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
Powszechny Zaklad Ubezpieczen SA Tangible Net Worth Ratio (2004–2025)
This chart shows how Powszechny Zaklad Ubezpieczen SA's Tangible Net Worth Ratio has changed across 22 annual periods from 2004 to 2025. As of December 2025, the ratio stands at 94.7%, reflecting net assets of zł72.65 Billion with intangible assets of zł3.82 Billion PLN. See PZU days of operational coverage to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for Powszechny Zaklad Ubezpieczen SA (2004–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for Powszechny Zaklad Ubezpieczen SA from 2004 to 2025, covering 22 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see Powszechny Zaklad Ubezpieczen SA (PZU) market capitalisation.
| Year | Tangible NW Ratio | Net Assets (PLN) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 94.7% | zł72.65 Billion | zł3.82 Billion | zł535.48 Billion | ▲ +0.5 pp |
| 2024 | 94.3% | zł65.26 Billion | zł3.75 Billion | zł503.26 Billion | ▼ -0.1 pp |
| 2023 | 94.4% | zł60.48 Billion | zł3.40 Billion | zł467.89 Billion | ▲ +2.6 pp |
| 2022 | 91.7% | zł39.75 Billion | zł3.28 Billion | zł436.12 Billion | ▲ +0.3 pp |
| 2021 | 91.5% | zł39.99 Billion | zł3.40 Billion | zł402.13 Billion | ▼ -1.1 pp |
| 2020 | 92.6% | zł43.40 Billion | zł3.21 Billion | zł378.97 Billion | ▲ +0.5 pp |
| 2019 | 92.1% | zł39.29 Billion | zł3.10 Billion | zł343.34 Billion | ▲ +0.6 pp |
| 2018 | 91.5% | zł37.41 Billion | zł3.18 Billion | zł328.55 Billion | ▲ +0.7 pp |
| 2017 | 90.8% | zł37.60 Billion | zł3.44 Billion | zł317.40 Billion | ▼ -0.6 pp |
| 2016 | 91.5% | zł17.13 Billion | zł1.46 Billion | zł125.34 Billion | ▲ +0.6 pp |
| 2015 | 90.8% | zł15.18 Billion | zł1.39 Billion | zł105.43 Billion | ▼ -2.6 pp |
| 2014 | 93.4% | zł13.17 Billion | zł868.69 Million | zł67.57 Billion | ▼ -4.2 pp |
| 2013 | 97.6% | zł13.13 Billion | zł308.73 Million | zł62.36 Billion | ▼ -1.1 pp |
| 2012 | 98.7% | zł14.27 Billion | zł183.24 Million | zł55.91 Billion | ▲ +0.1 pp |
| 2011 | 98.6% | zł12.87 Billion | zł174.75 Million | zł52.13 Billion | ▼ -0.5 pp |
| 2010 | 99.1% | zł12.80 Billion | zł109.07 Million | zł50.53 Billion | ▼ -0.1 pp |
| 2009 | 99.2% | zł11.27 Billion | zł85.07 Million | zł53.18 Billion | ▼ -0.4 pp |
| 2008 | 99.6% | zł19.07 Billion | zł69.09 Million | zł58.21 Billion | ▲ +0.2 pp |
| 2007 | 99.5% | zł16.87 Billion | zł92.03 Million | zł52.65 Billion | ▲ +0.2 pp |
| 2006 | 99.2% | zł13.33 Billion | zł101.59 Million | zł49.45 Billion | ▼ -0.8 pp |
| 2005 | 100.0% | zł10.89 Billion | zł0.00 | zł43.04 Billion | ▲ +0.0 pp |
| 2004 | 100.0% | zł8.37 Billion | zł0.00 | zł38.96 Billion | — |