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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.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.
Capital benefits of PZU-Pekao merger
PZU's view on MSC lawsuit's financial impact?
How did PZU address UKNF control recommendations?
How will the holding company impact 2025 dividend?
PZU Zdrowie's path to PLN 5bn revenue target
Internal model impact on capital requirements
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Next Powszechny Zakład Ubezpieczeń earnings date
Q3 202520 Nov, 2025
Next Powszechny Zakład Ubezpieczeń earnings date
Q3 202520 Nov, 2025
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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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