Powszechny Zaklad Ubezpieczen (WAR:PZU) Scaled Net Operating Assets: 0.07 (As of Mar. 2026)

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WAR:PZU Powszechny Zaklad Ubezpieczen SA WAR:PZU
85 GF Score
Price zł69.14
GF Value zł61.25
Valuation Modestly Overvalued
! 9 Warning Signs
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What is Powszechny Zaklad Ubezpieczen Scaled Net Operating Assets?

Powszechny Zaklad Ubezpieczen WAR:PZU +0.46% 85 Scaled Net Operating Assets is 0.07 as of Mar. 2026. GuruFocus rates WAR:PZU with a GF Score™ of 85/100 and a GF Value™ of zł61.25 (Modestly Overvalued). The stock has 9 warning signs investors should review.

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Powszechny Zaklad Ubezpieczen's operating assets for the quarter that ended in Mar. 2026 was zł469,493 Mil. Powszechny Zaklad Ubezpieczen's operating liabilities for the quarter that ended in Mar. 2026 was zł432,387 Mil. Powszechny Zaklad Ubezpieczen's Total Assets for the quarter that ended in Dec. 2025 was zł535,483 Mil. Therefore, Powszechny Zaklad Ubezpieczen's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2026 was 0.07.

WAR:PZU
85GF Score
Powszechny Zaklad Ubezpieczen SA WAR:PZU
Scaled Net Operating Assets is just one metric. See GF Score™, valuation, warning signs, and more.
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Powszechny Zaklad Ubezpieczen Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

Powszechny Zaklad Ubezpieczen's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2025 is calculated as

Scaled Net Operating Assets (SNOA)(A: Dec. 2025 )
=(Operating Assets (A: Dec. 2025 )-Operating Liabilities (A: Dec. 2025 ))/Total Assets (A: Dec. 2024 )
=(528630-425891)/503257
=0.20

where

Operating Assets(A: Dec. 2025 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=535483 - 6853
=528630

Operating Liabilities(A: Dec. 2025 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=462830 - 36939 - 0
=425891

Powszechny Zaklad Ubezpieczen's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2026 is calculated as

Scaled Net Operating Assets (SNOA)(Q: Mar. 2026 )
=(Operating Assets (Q: Mar. 2026 )-Operating Liabilities (Q: Mar. 2026 ))/Total Assets (Q: Dec. 2025 )
=(469493-432387)/535483
=0.07

where

Operating Assets(Q: Mar. 2026 )
=Total Assets - Balance Sheet Cash And Cash Equivalents
=543426 - 73933
=469493

Operating Liabilities(Q: Mar. 2026 )
=Total Liabilities - Long-Term Debt & Capital Lease Obligation - Short-Term Debt & Capital Lease Obligation
=468731 - 36344 - 0
=432387

* 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.

What does a Scaled Net Operating Assets of 0.07 mean?
Powszechny Zaklad Ubezpieczen (WAR:PZU) has a Scaled Net Operating Assets of 0.07 as of Mar. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Powszechny Zaklad Ubezpieczen and its competitors.
Is Powszechny Zaklad Ubezpieczen's Scaled Net Operating Assets too high?
Powszechny Zaklad Ubezpieczen's current Scaled Net Operating Assets is 0.07. Overall, Powszechny Zaklad Ubezpieczen has a GF Score™ of 85/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Powszechny Zaklad Ubezpieczen's Scaled Net Operating Assets compare to CB and PGR?
Powszechny Zaklad Ubezpieczen's Scaled Net Operating Assets of 0.07 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 Scaled Net Operating Assets for an Insurance company?
A good Scaled Net Operating Assets depends on the Insurance industry context. However, Scaled Net Operating Assets 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on Powszechny Zaklad Ubezpieczen and its competitors. Powszechny Zaklad Ubezpieczen's current Scaled Net Operating Assets is 0.07. 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 (WAR:PZU) is currently considered Modestly Overvalued. The stock's GF Value™ is zł61.25, compared to a current price of zł69.14 — trading 12.9% above its estimated fair value. The current Scaled Net Operating Assets is 0.07. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For Powszechny Zaklad Ubezpieczen (WAR:PZU), the current Scaled Net Operating Assets is 0.07 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 (WAR:PZU) Overvalued in 2026?

Based on GuruFocus' analysis, Powszechny Zaklad Ubezpieczen stock appears to be overvalued. The current stock price of zł69.14 is trading 12.9% above its estimated GF Value™ of zł61.25. GuruFocus considers Powszechny Zaklad Ubezpieczen to be Modestly Overvalued.

Key valuation signals for WAR:PZU:

  • Scaled Net Operating Assets: 0.07
  • GF Value™: zł61.25 vs. price of zł69.14 (12.9% above fair value)
  • GF Score™: 85/100 with 9 warning signs

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

Powszechny Zaklad Ubezpieczen Business Description

Other Exchanges PZAKY:USA7PZ:Germany
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 WAR:PZU

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

zł69.14
Price
zł61.25
GF Value