AU · rank #5 · 2026-07-22
PZU
GPW · PLN · $16.12B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -0.699 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.03 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $74.09 | +4.6% |
| Momentum acceleration 3-month minus 12-month momentum. | +2.88% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.25 |
| Gross margin TTM | +58.9% |
| 52w high | $72.72 |
| Market cap (USD) | $16.12B |
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
PZU is the dominant multi-line insurer in Poland, providing life, non-life, and health insurance supported by a massive investment portfolio and a targeted PLN 36bn gross insurance revenue by 2027.
Rationale
Consistently positive short- and medium-term EPS revisions and a 4.58% analyst upside target are validated by Q1 2026 net profit beating consensus by 8% and an upcoming 7.6% dividend yield.
Material risks
- 1Heightened frequency and severity of weather-related and catastrophe claims could compress the 86.8% non-life combined ratio and erode underwriting profitability.
- 2Significant concentration in Polish government debt, comprising 73% of the investment portfolio, leaves investment yields highly vulnerable to domestic macroeconomic and interest-rate volatility.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.