AU · rank #6 · 2026-07-21
PZU
GPW · PLN · $15.88B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -0.591 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.03 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $74.09 | +6.1% |
| Momentum acceleration 3-month minus 12-month momentum. | -0.62% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.25 |
| Gross margin TTM | +58.9% |
| 52w high | $72.72 |
| Market cap (USD) | $15.88B |
The AI research card
Independent qualitative review of each pick before the order is placed. On the rare day the research service is unavailable, the paper book trades on the quant ranking alone and no card appears here.
Summary
Powszechny Zaklad Ubezpieczen SA (PZU@GPW) is the dominant multi-line insurer in Poland, providing non-life, life, and health coverage supported by a large, recurring policyholder base.
Rationale
Positive short- and medium-term EPS revisions are fundamentally validated by PZU@GPW's Q1 2026 net profit beating consensus estimates by 8%, driving momentum alongside a 6.14% analyst upside and a secure 7.6% dividend yield.
Material risks
- 1A rise in the frequency and severity of weather-related or catastrophe claims could compress underwriting margins and deteriorate its 86.8% non-life combined ratio.
- 2Significant concentration of its investment portfolio in Polish government debt (73%) leaves earnings vulnerable to interest-rate, credit-spread, and regional geopolitical volatility.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.