AU · rank #7 · 2026-10-22
PZU
GPW · PLN · $16.21B (USD)
The exact numbers the algorithm saw.
| Composite score Z-score blend of all factors below. | -1.555 |
|---|---|
| EPS revisions (30d) Change in consensus EPS estimate over the past 30 days ($/share). | -$0.01 |
| Net revisions (30d) Number of analysts revising upward minus downward. | 0 |
| Insider signal (90d) | — |
| Analyst upside Consensus target $79.13 | +8.8% |
| Momentum acceleration 3-month minus 12-month momentum. | -2.82% |
| Analyst rating 5 = Strong Buy, 1 = Strong Sell. | 4.00 |
| Gross margin TTM | +58.9% |
| 52w high | $77.20 |
| Market cap (USD) | $16.21B |
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 conglomerate offering non-life, life, banking, and investment products, generating PLN 3.0 billion net profit in 1H26 with 17.8% ROE and 230% solvency coverage.
Rationale
The analyst_upside_pct of 8.8% combined with a strong 13.1% earnings surprise and improving 60/90-day EPS revisions suggests consensus is still catching up to PZU's underwriting execution, with the 27.5% YoY jump in 2Q26 insurance-service result providing a concrete fundamental anchor for the upside gap.
Material risks
- 1Motor insurance pricing pressure in a slowing Polish non-life market (1.6% YoY growth in 1Q26) could compress the 87.9% combined ratio and erode the earnings beat cadence that underpins the analyst upgrade thesis.
- 2Solvency II updates effective January 2027, combined with the subordinated-bond authorization and LINK4 merger execution, introduce capital-structure and integration uncertainty that could delay or dilute dividend capacity, a key valuation support for Polish institutional holders.
AI verdict council
Each pick is reviewed independently by 3 models before any order. 3 of 3 voted to proceed.