* 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 FCF Margin %, along with its competitors' market caps and FCF Margin % 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 FCF Margin % vs Insurance Industry
For the Insurance industry and Financial Services sector, Powszechny Zaklad Ubezpieczen's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Powszechny Zaklad Ubezpieczen's FCF Margin % falls into.
* 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 (PZAKY) has a FCF Margin % of 12.44% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. This is 57% below median its historical median of 29.10. According to the industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #265 out of 505 companies in the Insurance industry, placing it in the top 52.5%.
Is Powszechny Zaklad Ubezpieczen's FCF Margin % too high?
Powszechny Zaklad Ubezpieczen's current FCF Margin % of 12.44% is 57% below median its 10-year median of 29.10. The Insurance industry median FCF Margin % is 9.66. Powszechny Zaklad Ubezpieczen's value of 12.44% is 28.8% above this industry median. Based on the distribution chart, Powszechny Zaklad Ubezpieczen ranks #265 out of 505 companies in the Insurance industry, which is below the industry midpoint. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's FCF Margin % compare to CB and PGR?
According to the Insurance industry distribution chart, Powszechny Zaklad Ubezpieczen ranks #265 out of 505 companies for FCF Margin %. This places Powszechny Zaklad Ubezpieczen in the lower half of its industry. The industry median FCF Margin % is 9.66. Powszechny Zaklad Ubezpieczen's value of 12.44% is 28.8% above this benchmark. While the company's 10-year median is 29.10 vs. the industry median of 9.66, 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 FCF Margin % for an Insurance company?
The median FCF Margin % among Insurance companies is 9.66, based on 505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Powszechny Zaklad Ubezpieczen's current FCF Margin % of 12.44% is 28.8% 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 FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. For the Insurance industry, the median FCF Margin % is 9.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Powszechny Zaklad Ubezpieczen's current FCF Margin % is 12.44%, which is 57% below median its own 10-year median of 29.10. 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 Fairly Valued. The stock's GF Value™ is $16.65, compared to a current price of $17.93 — trading 7.7% above its estimated fair value. The current FCF Margin % is 12.44%, which is 57% below median its 10-year median of 29.10 and 28.8% above the Insurance industry median of 9.66. Powszechny Zaklad Ubezpieczen's overall GF Score™ is 88/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (PZAKY), the current FCF Margin % is 12.44% 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 (PZAKY) Overvalued in 2026?
Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued.
The current stock price of $17.93 is trading 7.7% above its estimated GF Value™ of $16.65.
GuruFocus considers Powszechny Zaklad Ubezpieczen to be Fairly Valued.
Key valuation signals for PZAKY:
FCF Margin %: 12.44% (57% below median its 10-year median of 29.10)
GF Value™: $16.65 vs. price of $17.93 (7.7% above fair value)
Industry Position: 28.8% above the Insurance median (#265 of 505)
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
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.
88GF Score
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