Powszechny Zaklad Ubezpieczen (LTS:0MYY) Cyclically Adjusted FCF per Share: zł13.24 (As of Mar. 2026)

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LTS:0MYY Powszechny Zaklad Ubezpieczen SA LTS:0MYY
79 GF Score
Price zł42.09
GF Value zł37.08
! 9 Warning Signs
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What is Powszechny Zaklad Ubezpieczen Cyclically Adjusted FCF per Share?

Powszechny Zaklad Ubezpieczen LTS:0MYY 79 Cyclically Adjusted FCF per Share is zł13.24 as of Mar. 2026. GuruFocus rates LTS:0MYY with a GF Score™ of 79/100 and a GF Value™ of zł37.08. The stock has 9 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

Powszechny Zaklad Ubezpieczen's adjusted free cash flow per share for the three months ended in Mar. 2026 was zł2.172. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is zł13.24 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Powszechny Zaklad Ubezpieczen's average Cyclically Adjusted FCF Growth Rate was 7.20% per year. During the past 3 years, the average Cyclically Adjusted FCF Growth Rate was 20.50% per year. During the past 5 years, the average Cyclically Adjusted FCF Growth Rate was 27.30% 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 FCF Growth Rate using Cyclically Adjusted FCF per Share data.

During the past 13 years, the highest 3-Year average Cyclically Adjusted FCF Growth Rate of Powszechny Zaklad Ubezpieczen was 50.30% per year. The lowest was 20.50% per year. And the median was 32.65% per year.

As of today (2026-07-16), Powszechny Zaklad Ubezpieczen's current stock price is zł42.09. Powszechny Zaklad Ubezpieczen's Cyclically Adjusted FCF per Share for the quarter that ended in Mar. 2026 was zł13.24. Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Price-to-FCF of today is 3.18.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Powszechny Zaklad Ubezpieczen was 51.65. The lowest was 2.35. And the median was 3.90.


Powszechny Zaklad Ubezpieczen  (LTS:0MYY) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF 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 Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.

Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Price-to-FCF of today is calculated as

Cyclically Adjusted Price-to-FCF=Share Price/Cyclically Adjusted FCF per Share
=42.09/13.24
=3.18

* 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.

During the past 13 years, the highest Cyclically Adjusted Price-to-FCF of Powszechny Zaklad Ubezpieczen was 51.65. The lowest was 2.35. And the median was 3.90.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


Powszechny Zaklad Ubezpieczen Cyclically Adjusted FCF per Share Related Terms


Powszechny Zaklad Ubezpieczen Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for Powszechny Zaklad Ubezpieczen's Cyclically Adjusted FCF 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 FCF per Share Chart

Powszechny Zaklad Ubezpieczen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 8.92 13.11 12.84 16.52 12.17

Powszechny Zaklad Ubezpieczen Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Cyclically Adjusted FCF 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 14.13 12.97 14.16 12.17 13.24

LTS:0MYY vs CB, PGR, TRV: Cyclically Adjusted FCF per Share Comparison

For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF 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 Price-to-FCF vs Insurance Industry

For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Cyclically Adjusted Price-to-FCF falls into.


LTS:0MYY
79GF Score
Powszechny Zaklad Ubezpieczen SA LTS:0MYY
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
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Powszechny Zaklad Ubezpieczen Cyclically Adjusted FCF 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 FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

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

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow 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 FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF 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 Free Cash Flow per Share data for the three months ended in Mar. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=2.172/163.0700*163.0700
=2.172

Current CPI (Mar. 2026) = 163.0700.

Powszechny Zaklad Ubezpieczen Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201606 2.654 99.552 4.347
201609 -1.713 99.064 -2.820
201612 3.534 100.366 5.742
201703 -2.157 101.018 -3.482
201706 5.373 101.180 8.660
201709 -3.123 101.343 -5.025
201712 17.097 102.564 27.183
201803 -5.602 102.564 -8.907
201806 -0.300 103.378 -0.473
201809 -1.417 103.378 -2.235
201812 6.832 103.785 10.735
201903 0.954 104.274 1.492
201906 -1.205 105.983 -1.854
201909 -1.645 105.983 -2.531
201912 2.063 107.123 3.140
202003 8.972 109.076 13.413
202006 25.488 109.402 37.991
202009 -2.132 109.320 -3.180
202012 -0.688 109.565 -1.024
202103 6.766 112.658 9.794
202106 -1.714 113.960 -2.453
202109 0.835 115.588 1.178
202112 1.245 119.088 1.705
202203 6.479 125.031 8.450
202206 -3.293 131.705 -4.077
202209 1.872 135.531 2.252
202212 18.876 139.113 22.127
202303 20.325 145.950 22.709
202306 0.400 147.009 0.444
202309 20.980 146.113 23.415
202312 -10.486 147.741 -11.574
202403 5.986 149.044 6.549
202406 6.974 150.997 7.532
202409 7.986 153.439 8.487
202412 10.271 154.660 10.829
202503 6.213 157.021 6.452
202506 6.123 157.509 6.339
202509 -11.957 158.000 -12.341
202512 10.059 158.320 10.361
202603 2.172 163.070 2.172

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of zł13.24 mean?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a Cyclically Adjusted FCF per Share of zł13.24 as of Mar. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors.
Is Powszechny Zaklad Ubezpieczen's Cyclically Adjusted FCF per Share too high?
Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted FCF per Share is zł13.24. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 79/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Cyclically Adjusted FCF per Share compare to CB and PGR?
Powszechny Zaklad Ubezpieczen's Cyclically Adjusted FCF per Share of zł13.24 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 FCF per Share for an Insurance company?
A good Cyclically Adjusted FCF per Share depends on the Insurance industry context. However, Cyclically Adjusted FCF 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 FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. Powszechny Zaklad Ubezpieczen's current Cyclically Adjusted FCF per Share is zł13.24. 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?
Powszechny Zaklad Ubezpieczen (LTS:0MYY) has a current Cyclically Adjusted FCF per Share of zł13.24. The stock's GF Value™ is zł37.08, compared to a current price of zł42.09 — trading 13.5% above its estimated fair value. The current Cyclically Adjusted FCF per Share is zł13.24. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 79/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (LTS:0MYY), the current Cyclically Adjusted FCF per Share is zł13.24 as of Mar. 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 (LTS:0MYY) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of zł42.09 is trading 13.5% above its estimated GF Value™ of zł37.08.

Key valuation signals for LTS:0MYY:

  • Cyclically Adjusted FCF per Share: zł13.24
  • GF Value™: zł37.08 vs. price of zł42.09 (13.5% above fair value)
  • GF Score™: 79/100 with 9 warning signs

No single metric tells the full story. See the LTS:0MYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Powszechny Zaklad Ubezpieczen Business Description

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.
79GF Score

Get the complete analysis for LTS:0MYY

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

zł42.09
Price
zł37.08
GF Value