Powszechny Zaklad Ubezpieczen (STU:7PZ) E10: €4.43 (As of Mar. 2026)


STU:7PZ Powszechny Zaklad Ubezpieczen SA STU:7PZ
84 GF Score
Price €15.25
GF Value €13.99
Valuation Fairly Valued
! 8 Warning Signs
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What is Powszechny Zaklad Ubezpieczen E10?

Powszechny Zaklad Ubezpieczen STU:7PZ +0.76% 84 E10 is €4.43 as of Mar. 2026. GuruFocus rates STU:7PZ with a GF Score™ of 84/100 and a GF Value™ of €13.99 (Fairly Valued). The stock has 8 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 €0.359. Add all the adjusted EPS for the past 10 years together and divide 10 will get our e10, which is €4.43 for the trailing ten years ended in Mar. 2026.

During the past 12 months, Powszechny Zaklad Ubezpieczen's average E10 Growth Rate was 273.30% 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 (2026-07-01), Powszechny Zaklad Ubezpieczen's current stock price is €15.25. Powszechny Zaklad Ubezpieczen's E10 for the quarter that ended in Mar. 2026 was €4.43. Powszechny Zaklad Ubezpieczen's Shiller PE Ratio of today is 3.44.

During the past 13 years, the highest Shiller PE Ratio of Powszechny Zaklad Ubezpieczen was 12.47. The lowest was 2.86. And the median was 9.68.


Powszechny Zaklad Ubezpieczen  (STU:7PZ) 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
=15.25/4.43
=3.44

* 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 2.86. And the median was 9.68.


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 0.77 0.87 1.01 1.16 4.25

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 1.19 4.05 4.36 4.25 4.43

STU:7PZ 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.


STU:7PZ
84GF Score
Powszechny Zaklad Ubezpieczen SA STU:7PZ
E10 is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

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)
=0.359/158.3232*158.3232
=0.359

Current CPI (Mar. 2026) = 158.3232.

Powszechny Zaklad Ubezpieczen Quarterly Data

per share eps CPI Adj_EPS
201606 0.043 99.552 0.068
201609 0.170 99.064 0.272
201612 0.163 100.366 0.257
201703 0.247 101.018 0.387
201706 0.132 101.180 0.207
201709 0.179 101.343 0.280
201712 0.202 102.564 0.312
201803 0.166 102.564 0.256
201806 0.207 103.378 0.317
201809 0.268 103.378 0.410
201812 0.207 103.785 0.316
201903 0.196 104.274 0.298
201906 0.193 105.983 0.288
201909 0.232 105.983 0.347
201912 0.247 107.123 0.365
202003 0.030 109.076 0.044
202006 0.048 109.402 0.069
202009 0.234 109.320 0.339
202012 0.188 109.565 0.272
202103 0.232 112.658 0.326
202106 0.198 113.960 0.275
202109 0.195 115.588 0.267
202112 0.252 119.088 0.335
202203 0.232 125.031 0.294
202206 0.250 131.705 0.301
202209 0.191 135.531 0.223
202212 0.320 139.113 0.364
202303 0.302 145.950 0.328
202306 0.402 147.009 0.433
202309 0.388 146.113 0.420
202312 0.422 147.741 0.452
202403 0.329 149.044 0.349
202406 0.313 150.997 0.328
202409 0.320 153.439 0.330
202412 0.443 154.660 0.453
202503 0.463 157.021 0.467
202506 31.328 157.509 31.490
202509 0.524 157.998 0.525
202512 0.388 158.323 0.388
202603 0.359 158.323 0.359

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 €4.43 mean?
Powszechny Zaklad Ubezpieczen (STU:7PZ) has a E10 of €4.43 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 €4.43. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 84/100 and is considered Fairly Valued, 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 €4.43 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 €4.43. 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 (STU:7PZ) is currently considered Fairly Valued. The stock's GF Value™ is €13.99, compared to a current price of €15.25 — trading 9% above its estimated fair value. The current E10 is €4.43. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 84/100 with 8 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 (STU:7PZ), the current E10 is €4.43 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 (STU:7PZ) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of €15.25 is trading 9% above its estimated GF Value™ of €13.99. GuruFocus considers Powszechny Zaklad Ubezpieczen to be Fairly Valued.

Key valuation signals for STU:7PZ:

  • E10: €4.43
  • GF Value™: €13.99 vs. price of €15.25 (9% above fair value)
  • GF Score™: 84/100 with 8 warning signs

No single metric tells the full story. See the STU:7PZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Powszechny Zaklad Ubezpieczen Business Description

Other Exchanges PZAKY:USAPZU:Poland
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.
84GF Score

Get the complete analysis for STU:7PZ

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

€15.25
Price
€13.99
GF Value