AU · rank #8 · 2026-10-19
PZU
GPW · PLN · $16.47B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -1.501 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | -$0.01 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $79.13 | +6.6% |
| Momentum acceleration 3-month minus 12-month momentum. | -4.26% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +58.9% |
| 52w high | $77.20 |
| Market cap (USD) | $16.47B |
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 diversified insurer with life, non-life, banking, and investment operations, generating PLN 3.0bn net profit in 1H26 at 17.8% ROE and 230% solvency coverage.
Rationale
The 6.6% analyst upside with a mean rating of 2.5 (buy-leaning) and a strong 13.1% last earnings surprise suggest consensus may still be underpricing PZU's underwriting execution, with the 87.9% non-life combined ratio and 27%+ life margins providing fundamental support for upward re-rating.
Material risks
- 1Motor insurance pricing pressure in a slowing Polish non-life market (1.6% YoY growth in 1Q26) could compress the combined ratio and invalidate the earnings-beat cadence that underpins the analyst upside thesis.
- 2Solvency II updates effective January 2027 combined with the subordinated-bond authorization signal potential capital-structure complexity that could weigh on dividend expectations and dampen re-rating momentum.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 2 of 3 voted to proceed.