AU · rank #5 · 2026-09-11
PZU
GPW · PLN · $17.48B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | 0.271 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | +$0.04 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 1 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $75.83 | +0.5% |
| Momentum acceleration 3-month minus 12-month momentum. | +5.69% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.25 |
| Gross margin TTM | +58.9% |
| 52w high | $76.70 |
| Market cap (USD) | $17.48B |
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 45.7% implied upside to consensus target — all consistent with a market underpricing a high-ROE (17-18%), capital-returning franchise.
Material risks
- 1Motor insurance competitive pressure is already weighing on sentiment despite record profits, meaning the 26.5% analyst target dispersion and only 66.7% revision agreement suggest meaningful disagreement on whether pricing power can be sustained — the core assumption behind the upside thesis.
- 2PZU's investment portfolio sensitivity to Polish interest rate and macro shifts could compress investment income, which underpins a material portion of the profitability that justifies current consensus targets.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.