The historical rank and industry rank for Powszechny Zaklad Ubezpieczen's EV-to-FCF or its related term are showing as below:
STU:7PZ'
s EV-to-FCF Range Over the Past 10 Years
Min: -163.24 Med: 8.48 Max: 509.41
Current: 20.88
During the past 13 years, the highest EV-to-FCF of Powszechny Zaklad Ubezpieczen was 509.41. The lowest was -163.24. And the median was 8.48.
STU:7PZ's EV-to-FCF is ranked worse than 80.3% of 396
companies
in the Insurance industry
Industry Median: 9.285
vs STU:7PZ: 20.88
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
EV-to-FCF is a valuation multiple that allows analysts and investors to compare stocks, preferably in the same sector or industry. This important multiple is often used in conjunction with, or as an alternative to, the PE Ratio (TTM) to determine the fair market value of a company.
Powszechny Zaklad Ubezpieczen's PE Ratio (TTM) for today is calculated as:
Powszechny Zaklad Ubezpieczen's share price for today is €15.25.
Powszechny Zaklad Ubezpieczen's Earnings per Share (Diluted) for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €33.451.
* 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.
Enterprise Value is used because it is a more complete measure in reflecting how much an investor pays when buying a company. Free Cash Flow is an important financial metric because it represents the actual amount of cash at a company's disposal. Companies with a low EV-to-FCF ratio, combined with a strong balance sheet are generally considered as undervalued.
Powszechny Zaklad Ubezpieczen EV-to-FCF Related Terms
Powszechny Zaklad Ubezpieczen EV-to-FCF Historical Data
* 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.
For the Insurance - Property & Casualty subindustry, Powszechny Zaklad Ubezpieczen's EV-to-FCF, along with its competitors' market caps and EV-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 EV-to-FCF vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's EV-to-FCF distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen's EV-to-FCF falls into.
Powszechny Zaklad Ubezpieczen's current Enterprise Value is €26,994 Mil.
Powszechny Zaklad Ubezpieczen's Free Cash Flow for the trailing twelve months (TTM) ended in Mar. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was €1,254 Mil.
* 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 (STU:7PZ) has a EV-to-FCF of 21.53 as of Jul. 01, 2026. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. This is 154% above median its historical median of 8.48. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #318 out of 396 companies in the Insurance industry, placing it in the top 80.3%.
Is Powszechny Zaklad Ubezpieczen's EV-to-FCF too high?
Powszechny Zaklad Ubezpieczen's current EV-to-FCF of 21.53 is 154% above median its 10-year median of 8.48. The Insurance industry median EV-to-FCF is 9.29. Powszechny Zaklad Ubezpieczen's value of 21.53 is 131.9% above this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #318 out of 396 companies in the Insurance industry, which is in the bottom quartile relative to peers. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 87/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's EV-to-FCF compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #318 out of 396 companies for EV-to-FCF. This places Powszechny Zaklad Ubezpieczen in the lower half of its industry. The industry median EV-to-FCF is 9.29. Powszechny Zaklad Ubezpieczen's value of 21.53 is 131.9% above this benchmark. While the company's 10-year median is 8.48 vs. the industry median of 9.29, Powszechny Zaklad Ubezpieczen has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-FCF for an Insurance company?
The median EV-to-FCF among Insurance companies is 9.29, based on 396 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-FCF significantly above this median, while those in the bottom quartile fall well below. However, EV-to-FCF should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Powszechny Zaklad Ubezpieczen's current EV-to-FCF of 21.53 is 131.9% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high EV-to-FCF mean?
A high EV-to-FCF can signal that a stock is expensive relative to its fundamentals. EV to FCF ratio is the company's enterprise value divided by free cash flow. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. For the Insurance industry, the median EV-to-FCF is 9.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current EV-to-FCF is 21.53, which is 154% above median its own 10-year median of 8.48. 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 EV-to-FCF is 21.53, which is 154% above median its 10-year median of 8.48 and 131.9% above the Insurance industry median of 9.29. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 87/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is EV-to-FCF calculated?
EV-to-FCF is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (STU:7PZ), the current EV-to-FCF is 21.53 as of Jul. 01, 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:
EV-to-FCF: 21.53 (154% above median its 10-year median of 8.48)
GF Value™: €13.99 vs. price of €15.25 (9% above fair value)
Industry Position: 131.9% above the Insurance median (#318 of 396)
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
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.
87GF Score
Get the complete analysis for STU:7PZ
EV-to-FCF is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
STU:7PZ has been successfully added to your 
