AU · rank #5 · 2026-07-23
PZU
GPW · PLN · $16.19B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -0.701 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.03 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $74.09 | +4.4% |
| Momentum acceleration 3-month minus 12-month momentum. | +3.29% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.25 |
| Gross margin TTM | +58.9% |
| 52w high | $72.72 |
| Market cap (USD) | $16.19B |
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) is Poland's dominant multi-line insurer, generating stable revenue across life, health, and non-life insurance segments backed by a massive recurring policyholder base [RECENT_DEVELOPMENTS, BUSINESS_STATUS].
Rationale
Positive short-term EPS revision momentum is validated by PZU's Q1 2026 net profit beating analyst consensus by approximately 8%, reinforcing the positive analyst sentiment and price target upside [FINANCIAL_NOTES].
Material risks
- 1An escalation in weather-related and catastrophe claims represents the most direct threat to underwriting margins, potentially driving PZU's outperforming 86.8% non-life combined ratio higher [COMPETITIVE_POSITION, TOP_RISKS].
- 2Substantial investment portfolio exposure to Polish government debt (73%) leaves PZU highly vulnerable to domestic interest-rate volatility and sovereign credit-spread shifts [BUSINESS_STATUS, TOP_RISKS].
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.