Logotype for Powszechny Zakład Ubezpieczeń

Powszechny Zakład Ubezpieczeń (PZU) investor relations material

Powszechny Zakład Ubezpieczeń Q2 2025 earnings summary

Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.
Logotype for Powszechny Zakład Ubezpieczeń
Q2 2025 earnings summary28 Aug, 2025

Executive summary

  • Revenue increased by PLN 0.9 billion year-over-year to PLN 15.2 billion in 1H25, with net profit rising to PLN 4.33 billion and adjusted ROE above 20%.

  • Dividend per share set at PLN 4.47, yielding 7%, supported by a strong capital position and Solvency II ratio at 225%.

  • Dynamic growth in insurance, health, and investment segments, with a strategic focus on health, non-motor, and individual protection insurance.

  • No changes in accounting policies, discontinued operations, or significant post-balance sheet events identified.

  • No significant seasonality or cyclicality in business activities.

Financial highlights

  • Net profit for 1H25 reached PLN 4.33 billion, up from PLN 3.53 billion year-over-year; total assets rose to PLN 60.3 billion.

  • Gross written premiums for H1 2025 were PLN 9.0 billion, with claims and benefits paid at PLN 5.26 billion.

  • Insurance service result rose to PLN 2,155 million, investment portfolio result to PLN 1,406 million.

  • Combined ratio improved to 87.9% in 1H25, indicating strong operational efficiency.

  • Operating margin at 26.1%, with book value per share at PLN 26.13 and EPS at PLN 5.01.

Outlook and guidance

  • Strategic goals for 2027: gross insurance revenue over PLN 36 billion, net profit over PLN 6.2 billion, ROE over 19%, and Solvency II ratio above 190%.

  • Combined ratio target for 2027 set below 90%, with EPS above PLN 5.1 and DPS at least PLN 4.5.

  • Management confirms no threats to business continuity for at least 12 months post-reporting date.

  • Plans to launch new investment products, including those linked to gold and higher-risk profiles.

  • No explicit forward-looking financial guidance provided in the latest report.

Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.

Next Powszechny Zakład Ubezpieczeń earnings date

Logotype for Powszechny Zakład Ubezpieczeń
Q3 202520 Nov, 2025
Your earnings 
season toolkit.
Download
Free on both iOS & Android.

Next Powszechny Zakład Ubezpieczeń earnings date

Logotype for Powszechny Zakład Ubezpieczeń
Q3 202520 Nov, 2025

The essential earnings season companion

The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

Live calls and transcripts

Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.

Find what you need faster

Search for any keyword across all transcripts simultaneously.

Easily store key findings

Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Your watchlist. Your dashboard.

Follow the companies that matter to you. Get a personalized feed with real-time updates.

Be the first to know

Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.

Consensus estimates

Access analyst consensus estimates, valuation multiples, and revenue segments splits.

All IR material in one place

The easiest way to stay updated during earnings season.

Global coverage

All events from public companies. Live and recorded.

Just click and listen

No webcast links. No manual registrations.

Research anytime, anywhere

Built for professionals. Loved by everyone. Try our free mobile app.

excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
App-store-avatar.png play-store-avatar.png
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
play-store-avatar
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
App-store-avatar.png play-store-avatar.png
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
x-avatar
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
App-store-avatar.png play-store-avatar.png
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
x-avatar
@theshortbearx.com

Frequently asked questions

Powszechny Zakład Ubezpieczeń Spółka Akcyjna (PZU SA) is Poland's largest and oldest insurance company, operating primarily in the property and casualty insurance sectors. Established in 1803, PZU SA has expanded to include a comprehensive range of insurance services, with motor and life insurance among its principal products. The group also manages a pension fund, PZU Złota Jesień, and offers investment fund services through TFI PZU. The company is active not only in Poland but has operations in Lithuania, Latvia, and Ukraine. The company is headquartered in Warsaw, Poland, and its shares are listed on the Warsaw Stock Exchange.

Quartr provides global coverage of all investor relation material from public companies.

  • Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.

  • Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.

  • Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.

Yes, the Quartr mobile app is free on both iOS and Android.

Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.

Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.

Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.

Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.

Explore our global coverage