← Analyst Upside
AU · rank #6 · 2026-07-24
PZU
GPW · PLN · $15.80B (USD)
SignalStrong Buy1.0strength 1.0 / 10
verdict · PROCEED
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -0.599 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.03 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $74.09 | +6.4% |
| Momentum acceleration 3-month minus 12-month momentum. | +2.01% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.25 |
| Gross margin TTM | +58.9% |
| 52w high | $72.72 |
| Market cap (USD) | $15.80B |
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 is the market-leading multi-line insurer in Poland, providing non-life, life, and health products backed by a large recurring policyholder base.
Rationale
The analyst upside signal is supported by consistent positive EPS revisions across 7-day, 60-day, and 90-day windows after Q1 2026 net profit beat consensus by approximately 8%.
Material risks
- 1Increased frequency and severity of weather-related or catastrophic claims that would compress underwriting margins and elevate the non-life combined ratio.
- 2High concentration of the investment portfolio in Polish government debt (73%), creating substantial vulnerability to local macroeconomic shifts and sovereign interest rate volatility.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.
OpenAI
Proceed
Claude
Caution
Gemini
Proceed