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Powszechny Zakład Ubezpieczeń (PZU) investor relations material
Powszechny Zakład Ubezpieczeń Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary20 Nov, 2025
Executive summary
Net profit attributable to parent company shareholders reached PLN 5,225 million, up 42.7% year-over-year, with total net profit for the 9 months ended 30 September 2025 at PLN 10,580 million, a 20.1% increase year-over-year.
Achieved strong revenue growth in 3Q25, with gross insurance revenue at PLN 23.1 bn, up PLN 1.3 bn year-over-year.
Maintained high profitability with an aROE of 22.1% and operating margin of 28.1%.
Dividend per share paid in 2025 was PLN 4.47, with a yield of approximately 8%.
Solvency II ratio remains robust at 234% for the Group, well above the European average.
Financial highlights
Insurance revenue increased by 5.9% year-over-year to PLN 23,129 million.
Net profit attributable to equity holders reached PLN 5,225 million, up 42.7% year-over-year.
Insurance service result increased to PLN 3,660 million (from PLN 2,293 million in 09.2024), and investment portfolio result rose to PLN 2,213 million (from PLN 1,808 million in 09.2024).
Combined ratio improved to 85.8% from 94.7% year-over-year.
Total assets grew to PLN 519,462 million from PLN 503,257 million at year-end 2024.
Outlook and guidance
Strategic goals for 2027 include gross insurance revenue over PLN 36 bn, ROE above 19%, net profit over PLN 6.2 bn, and Solvency II ratio above 190%.
EPS target for 2027 is above PLN 5.1, with a dividend per share of at least PLN 4.5.
Health pillar revenue is expected to exceed PLN 3 bn by 2027.
The group expects continued growth in insurance and banking segments, supported by favorable macroeconomic conditions and ongoing cost discipline.
The capital and dividend policy targets a solvency ratio of 200% (180% post-Solvency II amendments) and a financial leverage ratio not exceeding 25%.
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Next Powszechny Zakład Ubezpieczeń earnings date
Q4 202527 Mar, 2026
Next Powszechny Zakład Ubezpieczeń earnings date
Q4 202527 Mar, 2026
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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.
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