PWZYF (Powszechny Zaklad Ubezpieczen) E10: $5.04 (As of Mar. 2026)

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PWZYF Powszechny Zaklad Ubezpieczen SA PWZYF
85 GF Score
Price $16.25
GF Value $14.31
! 9 Warning Signs
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What is Powszechny Zaklad Ubezpieczen E10?

Powszechny Zaklad Ubezpieczen PWZYF 85 E10 is $5.04 as of Mar. 2026. GuruFocus rates PWZYF with a GF Score™ of 85/100 and a GF Value™ of $14.31. The stock has 9 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years.

Powszechny Zaklad Ubezpieczen's adjusted earnings per share data for the three months ended in Mar. 2026 was $0.418. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is $5.04 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Powszechny Zaklad Ubezpieczen's average E10 Growth Rate was 284.30% per year. During the past 3 years, the average E10 Growth Rate was 64.00% per year. During the past 5 years, the average E10 Growth Rate was 31.50% 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 E10 growth rate using E10 data.

During the past 13 years, the highest 3-Year average E10 Growth Rate of Powszechny Zaklad Ubezpieczen was 64.00% per year. The lowest was -3.40% per year. And the median was 7.20% per year.

As of today (2026-07-15), Powszechny Zaklad Ubezpieczen's current stock price is $16.246. Powszechny Zaklad Ubezpieczen's E10 for the quarter that ended in Mar. 2026 was $5.04. Powszechny Zaklad Ubezpieczen's Shiller PE Ratio of today is 3.22.

During the past 13 years, the highest Shiller PE Ratio of Powszechny Zaklad Ubezpieczen was 12.47. The lowest was 2.85. And the median was 9.67.


Powszechny Zaklad Ubezpieczen  (OTCPK:PWZYF) E10 Explanation

If a company grows much fast than inflation, E10 may underestimate the company's earnings power. Shiller PE Ratio can seem to be too high even the actual P/E is low.

For the Shiller P/E, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller P/E is also called PE10.

The Shiller P/E was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

Powszechny Zaklad Ubezpieczen's Shiller P/E Ratio of today is calculated as

Shiller PE Ratio=Share Price/E10
=16.246/5.04
=3.22

* 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 Shiller P/E Ratio of Powszechny Zaklad Ubezpieczen was 12.47. The lowest was 2.85. And the median was 9.67.


Be Aware

Shiller PE Ratio works better for cyclical companies. It gives you a better idea on the company's real earnings power.


Powszechny Zaklad Ubezpieczen E10 Related Terms


Powszechny Zaklad Ubezpieczen E10 Historical Data

* Premium members only.

The historical data trend for Powszechny Zaklad Ubezpieczen's E10 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 E10 Chart

Powszechny Zaklad Ubezpieczen Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
E10
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.11 0.61 1.20 1.31 4.68

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
E10 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 1.10 3.57 5.91 4.68 5.04

PWZYF vs CB, PGR, TRV: E10 Comparison

For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's Shiller PE Ratio, along with its competitors' market caps and Shiller PE 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 Shiller PE Ratio vs Insurance Industry

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

* The bar in red indicates where Powszechny Zaklad Ubezpieczen's Shiller PE Ratio falls into.


PWZYF
85GF Score
Powszechny Zaklad Ubezpieczen SA PWZYF
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
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Powszechny Zaklad Ubezpieczen E10 Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller P/E calculation. When we calculate the today's Shiller P/E ratio of a stock, we use today's price divided by E10.

What is E10? How do we calculate E10?

E10 is the average of the inflation adjusted earnings of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the E10 of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the earnings from 2001 through 2010.

We adjusted the earnings of 2001 earnings data with the total inflation from 2001 through 2010 to the equivalent earnings in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart earned $1 a share in 2001, then the 2001's equivalent earnings in 2010 is $1.4 a share. If Wal-Mart earns $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 earnings in 2010 is $1.35. So on and so forth, you get the equivalent earnings of past 10 years. Then you add them together and divided the sum by 10 to get E10.

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 earnings per share data for the three months ended in Mar. 2026 was:

Adj_EPS= Earnings per Share (Diluted) /CPI of Mar. 2026 (Change)*Current CPI (Mar. 2026)
=0.418/163.0700*163.0700
=0.418

Current CPI (Mar. 2026) = 163.0700.

Powszechny Zaklad Ubezpieczen Quarterly Data

per share eps CPI Adj_EPS
201606 0.050 99.552 0.082
201609 0.198 99.064 0.326
201612 0.190 100.366 0.309
201703 0.288 101.018 0.465
201706 0.153 101.180 0.247
201709 0.209 101.343 0.336
201712 0.235 102.564 0.374
201803 0.193 102.564 0.307
201806 0.241 103.378 0.380
201809 0.312 103.378 0.492
201812 0.241 103.785 0.379
201903 0.229 104.274 0.358
201906 0.225 105.983 0.346
201909 0.270 105.983 0.415
201912 0.288 107.123 0.438
202003 0.034 109.076 0.051
202006 0.056 109.402 0.083
202009 0.272 109.320 0.406
202012 0.219 109.565 0.326
202103 0.270 112.658 0.391
202106 0.230 113.960 0.329
202109 0.227 115.588 0.320
202112 0.293 119.088 0.401
202203 0.270 125.031 0.352
202206 0.291 131.705 0.360
202209 0.222 135.531 0.267
202212 0.373 139.113 0.437
202303 0.352 145.950 0.393
202306 0.468 147.009 0.519
202309 0.452 146.113 0.504
202312 0.492 147.741 0.543
202403 0.383 149.044 0.419
202406 0.365 150.997 0.394
202409 0.373 153.439 0.396
202412 0.516 154.660 0.544
202503 0.539 157.021 0.560
202506 36.485 157.509 37.773
202509 0.611 158.000 0.631
202512 0.452 158.320 0.466
202603 0.418 163.070 0.418

Add all the adjusted EPS together and divide 10 will get our e10.

Frequently Asked Questions Learn more about E10 →
What does a E10 of $5.04 mean?
Powszechny Zaklad Ubezpieczen (PWZYF) has a E10 of $5.04 as of Mar. 2026. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors.
Is Powszechny Zaklad Ubezpieczen's E10 too high?
Powszechny Zaklad Ubezpieczen's current E10 is $5.04. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 85/100, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's E10 compare to CB and PGR?
Powszechny Zaklad Ubezpieczen's E10 of $5.04 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 E10 for an Insurance company?
A good E10 depends on the Insurance industry context. However, E10 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 E10 mean?
A high E10 can signal that a stock is expensive relative to its fundamentals. E10 represents the company's inflation-adjusted earnings per share over a 10-year period. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. Powszechny Zaklad Ubezpieczen's current E10 is $5.04. 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 (PWZYF) has a current E10 of $5.04. The stock's GF Value™ is $14.31, compared to a current price of $16.25 — trading 13.5% above its estimated fair value. The current E10 is $5.04. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 85/100 with 9 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is E10 calculated?
E10 is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (PWZYF), the current E10 is $5.04 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 (PWZYF) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of $16.25 is trading 13.5% above its estimated GF Value™ of $14.31.

Key valuation signals for PWZYF:

  • E10: $5.04
  • GF Value™: $14.31 vs. price of $16.25 (13.5% above fair value)
  • GF Score™: 85/100 with 9 warning signs

No single metric tells the full story. See the PWZYF 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.
85GF Score

Get the complete analysis for PWZYF

E10 is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$16.25
Price
$14.31
GF Value