Sector pending / Insurance CarriersUpdated 2026-05-10 22:07 UTC

FRA/7PZ stock hub

FRA/7PZ has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

12.9B

Frankfurt Stock Exchange

Market data

Live price

Current market quote for this ticker.

Current price

FRA/7PZ

In the news

Latest news · FRA/7PZ

Recent company headlines from major financial publishers.

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Fetching the latest headlines.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

DateLoading

Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/E8.8

P25 n/aP50 n/aP75 n/a

Trailing P/E8.1

P25 n/aP50 n/aP75 n/a

ROE20.3

P25 n/aP50 n/aP75 n/a

ROIC18.1

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/7PZ market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

210

Groups with data

Currency

PLN

Showing 210 of 210 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	Poland
Country code	DE
Employees	37,633
Employees Change	-450%
Employees Change Percent	-1.02
Enterprise value	EUR 28.6B
Exchange	Frankfurt Stock Exchange
Financial currency	PLN
First seen	2026-05-10
Industry	Insurance Carriers
Last refreshed	2026-05-10
Market cap	EUR 12.9B
Price	EUR 15.08
Price currency	EUR
Rev Per Employee	398,788.56x
Sic	6300
Symbol	fra/7PZ
Website	https://www.pzu.pl

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	12.31%
EV Earnings	18x
EV/EBIT	4.61x
EV/EBITDA	4.44x
EV/FCF	13.38x
EV/Sales	1.91x
FCF yield	16.56%
Forward P/E	8.81x
P/B ratio	0.75x
P/E ratio	8.13x
P/S ratio	0.86x
PE Ratio10 Y	10.23x
PE Ratio3 Y	7.55x
PE Ratio5 Y	8.02x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	41.47%
EBITDA Margin	42.47%
FCF margin	14.23%
Gross margin	60.07%
Gross Profit	EUR 9B
Net Income	EUR 1.6B
Net Income Growth	25.4%
Net Income Growth Q	-12.31%
Net Income Growth3 Y	21%
Net Income Growth5 Y	28.5%
Pretax Margin	28.18%
Profit Margin	10.58%
Profit Per Employee	EUR 42,189
ROA	3.16
Roa5y	2.63
ROCE	15.92
ROE	20.28
Roe5y	17.71
ROIC	18.07
Roic5y	16.1

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	14.51%
Cagr1y	18.31%
Cagr3y	31.97%
Cagr5y	25.95%
Div CAGR10	4.03%
Div CAGR3	37.24%
Div CAGR5	6.4%
EPS Growth	25.41
EPS Growth Q	-12.31
EPS Growth3 Y	21.01
EPS Growth5 Y	28.5
FCF Growth	-66.57%
FCF Growth Q	-2.06%
FCF Growth3 Y	-24.17%
FCF Growth5 Y	-19.89%
OCF Growth	-62.88%
OCF Growth Q	-0.14%
OCF Growth10 Y	23.52%
OCF Growth3 Y	-21.43%
OCF Growth5 Y	-18.12%
Revenue Growth	3.82x
Revenue Growth Q	0.01x
Revenue Growth3 Y	12.93x
Revenue Growth5 Y	11.72x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.12
Assets	EUR 126.9B
Cash	EUR 11.5B
Debt	EUR 10.8B
Debt EBITDA	EUR 1.67
Debt Equity	EUR 0.63
Debt FCF	EUR 5.04
Equity	EUR 17.2B
Interest Coverage	3.54
Liabilities	EUR 109.7B
Net Cash	EUR -6.9B
Net Cash By Market Cap	EUR -53.64
Net Debt EBITDA	EUR 1.09
Net Debt Equity	EUR 0.4
Net Debt FCF	EUR 3.24
Tangible Book Value	EUR 6.8B
Tangible Book Value Per Share	EUR 7.91

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	0.16
Inventory Turnover	477.1
Net Working Capital	EUR -73.9B
Quick ratio	0.14
Working Capital	EUR -73.9B

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	0%
Dividend Growth	3.44%
Dividend Growth Years	3%
Dividend per share	EUR 1.05
Dividend Years	5
Dividend Yield	6.96%
Ex Div Date	2025-09-24
Last Dividend	EUR 1.05
Payout Frequency	Annual
Payout Ratio	57.61%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	287.67%
1Y total return	18.3%
200-day SMA	15.11
3Y total return	129.87%
50-day SMA	15.35
50-day SMA vs 200-day SMA	50over200
5Y total return	216.87%
All Time High	88.46
All Time High Change	-82.96%
All Time High Date	2015-11-30
All Time Low	4.26
All Time Low Change	253.54%
All Time Low Date	2020-10-29
ATR	0.35
Ch YTD	-5.66
High	15.12
High52	17.31
High52 Date	2026-02-04
High52ch	-12.91%
Low	15
Low52	11.71
Low52 Date	2025-09-25
Low52ch	28.79%
Ma50ch	-1.76%
Price vs 200-day SMA	-0.23%
RSI	44.51
RSI Monthly	59.21
RSI Weekly	47.75
Sharpe ratio	0.47x
Sortino ratio	0.84
Total Return	6.96%
Tr YTD	-5.66
Tr1m	-2.17%
Tr1w	0.6%
Tr3m	-11.53%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 6.2B
Operating margin	41.47

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	568,162,140%
Net Borrowing	1,246,430,674.9
Shares Institutions	31.46%
Shares Qo Q	-0%
Shares Yo Y	-0%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR 2.1B
Average Volume	662.35x
Bv Per Share	9.74
CAPEX	EUR -357.4M
Ch10y	104.5
Ch1m	-2.17
Ch1w	0.6
Ch1y	10.16
Ch3m	-11.53
Ch3y	82.99
Ch5y	114.4
Ch6m	6.16
Change	-0.89%
Change From Open	0.53
Close	15.21
Days Gap	-1.41
Dollar Volume	2,261.3
Earnings Date	2026-05-14
EBIT	EUR 6.2B
EBITDA	EUR 6.4B
EPS	EUR 1.84
F Score	5
FCF	EUR 2.1B
FCF EV Yield	7.47x
Financing CF	-833,308,437
Fiscal Year End	December
Founded	1,803
Goodwill	664,134,111.7
Graham Number	28.98288
Graham Upside	92.26
Income Tax	EUR 913.7M
Investing CF	-1,368,227,989
Is Primary Listing	0
Last Earnings Date	2026-02-26
Last Report Date	2025-12-31
Last Split Date	2015-11-30
Last Split Type	Forward
Lynch Fair Value	EUR 46.38
Lynch Upside	207.7
Ma150	15.24
Ma150ch	-1.09%
Ma20	15.59
Ma20ch	-3.3%
Net CF	262,127,171
Next Earnings Date	2026-05-14
Open	15
P FCF Ratio	6.04
P OCF Ratio	5.17
Payment Date	2025-10-16
Position In Range	66.67
Ppne	1,082,048,048.5
Price Date	2026-05-08
Price EBITDA	EUR 2.02
Ptbv Ratio	1.89
Relative Volume	0.23x
Revenue	15,007,610,030x
Tax By Revenue	6.09x
Tax Rate	21.61%
Tr6m	6.16%
Volume	150

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/7PZ dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+7.0%

$1.05 annual per share

Payout ratio

+57.6%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+6.4%

3 consecutive years of growth

Total shareholder yield

+7.0%

Next ex-dividend date: 2025-09-24

Performance

FRA/7PZ stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/7PZ?

Insider, institutional, and short-interest positioning.

Institutional ownership

+31.5%

Share of float held by funds and institutions

Insider ownership

n/a

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-0.0%

Negative means the company is buying back shares.

Technical

FRA/7PZ momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

44.5

Neutral momentum band

Price vs 200-day MA

-0.2%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

0.47

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/7PZ

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/7PZ stock rating?

fra/7PZ is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/7PZ analysis?

The full report lives at /stocks/fra/7PZ/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/7PZ?

The latest report frames fra/7PZ around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/7PZ page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.