AU · rank #3 · 2026-09-10
PZU
GPW · PLN · $17.43B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.571 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.04 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $75.83 | +1.3% |
| Momentum acceleration 3-month minus 12-month momentum. | +4.83% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.25 |
| Gross margin TTM | +58.9% |
| 52w high | $76.70 |
| Market cap (USD) | $17.43B |
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 Poland's dominant insurer with ~35-36% overall market share, generating PLN 15.7 billion in H1 2026 insurance revenue across non-life, life, and financial services segments.
Rationale
The analyst_upside signal is reinforced by a 13.09% earnings surprise, upward EPS revisions across 7/30/60/90-day windows, a 4.25/5 analyst rating, and a record 2025 followed by PLN 3.0 billion H1 2026 net profit — analysts are consistently revising up a profitable, cash-generative franchise.
Material risks
- 1Intensifying motor insurance competition is already pressuring investor sentiment despite strong earnings, and if pricing deteriorates materially it could trigger downward EPS revisions that directly unwind the revision-momentum edge this strategy depends on.
- 2High analyst target dispersion of 26.5% with only 7 analysts covering and 66.7% revision agreement signals meaningful disagreement on fair value, leaving the 128.9% analyst upside figure vulnerable to target cuts if macro or regulatory headwinds materialize in CEE markets.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.