PZAKY (Powszechny Zaklad Ubezpieczen) Cyclically Adjusted Book per Share: $ (As of Jun. 2026)

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PZAKY Powszechny Zaklad Ubezpieczen SA PZAKY
86 GF Score
Price $19.46
GF Value $15.81
Valuation Modestly Overvalued
! 8 Warning Signs
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What is Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share?

Powszechny Zaklad Ubezpieczen PZAKY 86 Cyclically Adjusted Book per Share is $ as of Jun. 2026. GuruFocus rates PZAKY with a GF Score™ of 86/100 and a GF Value™ of $15.81 (Modestly Overvalued). The stock has 8 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

Powszechny Zaklad Ubezpieczen's adjusted book value per share for the three months ended in Jun. 2026 was $21.366. Add all the adjusted book value per share for the past 10 years together and divide the count will get our Cyclically Adjusted Book per Share, which is $ for the trailing ten years ended in Jun. 2026.

During the past 12 months, Powszechny Zaklad Ubezpieczen's average Cyclically Adjusted Book Growth Rate was 6.20% per year. During the past 3 years, the average Cyclically Adjusted Book Growth Rate was 8.50% per year. During the past 5 years, the average Cyclically Adjusted Book Growth Rate was 10.90% per year. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted Book Growth Rate using Cyclically Adjusted Book per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted Book Growth Rate of Powszechny Zaklad Ubezpieczen was 12.50% per year. The lowest was 6.90% per year. And the median was 10.65% per year.

As of today (2026-09-22), Powszechny Zaklad Ubezpieczen's current stock price is $19.46. Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share for the quarter that ended in Jun. 2026 was $. Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio of today is .

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Powszechny Zaklad Ubezpieczen was 2.70. The lowest was 0.84. And the median was 1.59.


Powszechny Zaklad Ubezpieczen  (OTCPK:PZAKY) Cyclically Adjusted Book per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted Book per Share may underestimate the company's equity. Cyclically Adjusted PB Ratio can seem to be too high even the actual PB Ratio is low.

For the Cyclically Adjusted PB Ratio, the book value of the past 10 years are inflation-adjusted and averaged. The result is used for P/B calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted PB Ratio is also called CAPB Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted book value per share of a company over the past 10 years.

During the past 13 years, the highest Cyclically Adjusted PB Ratio of Powszechny Zaklad Ubezpieczen was 2.70. The lowest was 0.84. And the median was 1.59.


Be Aware

Cyclically Adjusted PB Ratio works better for cyclical companies. It gives you a better idea on the company's real book value.


Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share Related Terms


Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share Historical Data

* Premium members only.

The historical data trend for Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share Chart

Powszechny Zaklad Ubezpieczen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted Book per Share
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Powszechny Zaklad Ubezpieczen Quarterly Data
Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26 Jun26
Cyclically Adjusted Book per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only - - - - -

PZAKY vs CB, PGR, TRV: Cyclically Adjusted Book per Share Comparison

For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio, along with its competitors' market caps and Cyclically Adjusted PB Ratio data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Powszechny Zaklad Ubezpieczen Cyclically Adjusted PB Ratio vs Insurance Industry

For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio distribution charts can be found below:

* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Cyclically Adjusted PB Ratio falls into.


PZAKY
86GF Score
Powszechny Zaklad Ubezpieczen SA PZAKY
Cyclically Adjusted Book per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Powszechny Zaklad Ubezpieczen Cyclically Adjusted Book per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Book per Share and the Cyclically Adjusted PB Ratio. The Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years.

What is Cyclically Adjusted Book per Share? How do we calculate Cyclically Adjusted Book per Share?

Cyclically Adjusted Book per Share is the average of the inflation adjusted Book Value per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted Book per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the book value per share from 2001 through 2010.

We adjusted the 2001 book value per share data with the total inflation from 2001 through 2010 to the equivalent book value in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's book value is $1 a share in 2001, then the 2001's equivalent book value in 2010 is $1.4 a share. If Wal-Mart's book value is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 book value in 2010 is $1.35. So on and so forth, you get the equivalent book value per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted Book per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, Powszechny Zaklad Ubezpieczen's adjusted Book Value per Share data for the three months ended in Jun. 2026 was:

Adj_Book= Book Value per Share /CPI of Jun. 2026 (Change)*Current CPI (Jun. 2026)
=21.366/162.2800*162.2800
=21.366

Current CPI (Jun. 2026) = 162.2800.

Powszechny Zaklad Ubezpieczen Quarterly Data

Book Value per Share CPI Adj_Book
201609 4.922 99.064 8.063
201612 4.751 100.366 7.682
201703 5.307 101.018 8.525
201706 10.814 101.180 17.344
201709 11.419 101.343 18.285
201712 12.531 102.564 19.827
201803 12.722 102.564 20.129
201806 10.706 103.378 16.806
201809 11.317 103.378 17.765
201812 11.533 103.785 18.033
201903 11.644 104.274 18.121
201906 11.264 105.983 17.247
201909 10.974 105.983 16.803
201912 12.013 107.123 18.199
202003 11.053 109.076 16.444
202006 11.943 109.402 17.716
202009 12.627 109.320 18.744
202012 13.490 109.565 19.981
202103 12.866 112.658 18.533
202106 12.662 113.960 18.031
202109 12.164 115.588 17.078
202112 11.491 119.088 15.659
202203 10.940 125.031 14.199
202206 9.177 131.705 11.307
202209 8.409 135.531 10.069
202212 12.785 139.113 14.914
202303 13.982 145.950 15.546
202306 15.011 147.009 16.570
202309 15.138 146.113 16.813
202312 17.833 147.741 19.588
202403 18.369 149.044 20.000
202406 16.762 150.997 18.015
202409 18.761 153.439 19.842
202412 18.295 154.660 19.196
202503 20.694 157.021 21.387
202506 20.735 157.509 21.363
202509 21.977 158.000 22.572
202512 23.402 158.320 23.987
202603 23.203 163.070 23.091
202606 21.366 162.280 21.366

Add all the adjusted book value per share together and divide the count will get our Cyclically Adjusted Book per Share.

What does a Cyclically Adjusted Book per Share of $ mean?
Powszechny Zaklad Ubezpieczen (PZAKY) has a Cyclically Adjusted Book per Share of $ as of Jun. 2026. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors.
Is Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share too high?
Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted Book per Share is $. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 86/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share compare to CB and PGR?
Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Book per Share of $ can be compared against companies in the Insurance industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted Book per Share for an Insurance company?
A good Cyclically Adjusted Book per Share depends on the Insurance industry context. However, Cyclically Adjusted Book per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted Book per Share mean?
A high Cyclically Adjusted Book per Share can signal that a stock is expensive relative to its fundamentals. Cyclically adjusted book value per share represents the company's inflation-adjusted book value per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted Book per Share is $. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Powszechny Zaklad Ubezpieczen stock overvalued right now?
Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen (PZAKY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.81, compared to a current price of $19.46 — trading 23.1% above its estimated fair value. The current Cyclically Adjusted Book per Share is $. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 86/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted Book per Share calculated?
Cyclically Adjusted Book per Share is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (PZAKY), the current Cyclically Adjusted Book per Share is $ as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Powszechny Zaklad Ubezpieczen (PZAKY) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of $19.46 is trading 23.1% above its estimated GF Value™ of $15.81. GuruFocus considers Powszechny Zaklad Ubezpieczen to be Modestly Overvalued.

Key valuation signals for PZAKY:

  • Cyclically Adjusted Book per Share: $
  • GF Value™: $15.81 vs. price of $19.46 (23.1% above fair value)
  • GF Score™: 86/100 with 8 warning signs

No single metric tells the full story. See the PZAKY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Powszechny Zaklad Ubezpieczen Business Description

Other Exchanges PZU:Poland7PZ:Germany
Address Al. Jana Pawla II 24, Warsaw, POL, 00-133
Powszechny Zaklad Ubezpieczen SA is a property and casualty insurance company that operates in the Central and Eastern European region with an emphasis on the Polish market. The company's main strategic objectives include stable financial results, broad growth, and innovation. The vast majority of Powszechny's revenue is generated from gross written premiums, followed by results of its investment activities. The company serves clients through its own agency network along with sales through external agency centers.
86GF Score

Get the complete analysis for PZAKY

Cyclically Adjusted Book per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$19.46
Price
$15.81
GF Value