← Analyst Upside
AU · rank #5 · 2026-10-21
PZU
GPW · PLN · $16.07B (USD)
SignalHold
verdict · CAUTION
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -1.580 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | -$0.01 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $79.13 | +9.3% |
| Momentum acceleration 3-month minus 12-month momentum. | -3.91% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +58.9% |
| 52w high | $77.20 |
| Market cap (USD) | $16.07B |
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 insurance and financial services group, offering non-life, life, banking, and asset management solutions across the region.
Rationale
The analyst upside signal is reinforced by strong 1H26 operational execution, a 17.8% annualized ROE, and a 13.09% earnings surprise that confirm underlying profitability despite minor short-term revision noise.
Material risks
- 1Intense Polish motor-insurance price competition and persistent claims-cost inflation could compress underwriting margins and deteriorate the group's 87.9% combined ratio.
- 2Operational integration friction from the planned LINK4 merger coupled with updated Solvency II capital requirements taking effect in January 2027 could constrain capital flexibility.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 1 of 3 voted to proceed.
OpenAI
Caution
Claude
Caution
Gemini
Proceed