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Zurich Insurance Group AG ZFSVF

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Price alert · ZFSVF

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760.00 USD +24.36 +3.31%

At close · Oct 30

735.64 Day range 756.00
656.60 52-week range 791.41
YTD
-0.26%
1 year
+8.62%
Open
756.00
Prev close
735.64
Mkt cap
113.52B
Vol
448
Avg vol
250
EPS
49.38
P/E
15.39
More statistics
Low
735.64
High
756.00
Earnings
Feb 11, 2027

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Financial health

Altman Z-Score

0.81 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 5
  • Return on Equity 5
  • Return on Assets 5
  • Debt / Equity 3
  • P/E 3
  • P/B 1

Valuation

P/E 16.0×
FY 2016: 12.9×FY 2017: 15.3×FY 2018: 11.8×FY 2019: 14.2×FY 2020: 16.3×FY 2021: 12.8×FY 2022: 17.8×FY 2023: 17.1×FY 2024: 14.6×FY 2025: 16.0×
FY 2016 5y median 16.0× FY 2025
P/S 1.5×
FY 2016: 0.6×FY 2017: 0.7×FY 2018: 0.9×FY 2019: 0.9×FY 2020: 1.2×FY 2021: 1.1×FY 2022: 1.7×FY 2023: 1.0×FY 2024: 1.0×FY 2025: 1.5×
FY 2016 5y median 1.1× FY 2025
P/B 4.8×
FY 2016: 1.3×FY 2017: 1.4×FY 2018: 1.5×FY 2019: 1.8×FY 2020: 1.8×FY 2021: 1.9×FY 2022: 3.0×FY 2023: 3.0×FY 2024: 3.3×FY 2025: 4.8×
FY 2016 5y median 3.0× FY 2025
P/FCF 5.9×
FY 2016: 54.5×FY 2017: 9.8×FY 2018: 13.6×FY 2019: 15.1×FY 2020: 13.7×FY 2021: 28.3×FY 2022: 16.9×FY 2023: 10.7×FY 2024: 11.7×FY 2025: 5.9×
FY 2016 5y median 11.7× FY 2025
EV/EBITDA 12.5×
FY 2016: 8.0×FY 2017: 7.5×FY 2018: 7.4×FY 2019: 9.2×FY 2020: 11.4×FY 2021: 9.7×FY 2022: 12.8×FY 2023: 10.6×FY 2024: 9.4×FY 2025: 12.5×
FY 2016 5y median 10.6× FY 2025
EV/Sales 1.6×
FY 2016: 0.8×FY 2017: 0.8×FY 2018: 1.0×FY 2019: 1.0×FY 2020: 1.3×FY 2021: 1.2×FY 2022: 1.9×FY 2023: 1.1×FY 2024: 1.1×FY 2025: 1.6×
FY 2016 5y median 1.2× FY 2025
FCF Yield 17.0%
FY 2016: 1.8%FY 2017: 10.2%FY 2018: 7.4%FY 2019: 6.6%FY 2020: 7.3%FY 2021: 3.5%FY 2022: 5.9%FY 2023: 9.3%FY 2024: 8.5%FY 2025: 17.0%
FY 2016 5y median 8.5% FY 2025

Profitability

Gross Margin 100.0%
FY 2016: 87.3%FY 2017: 85.9%FY 2018: 81.9%FY 2019: 87.7%FY 2020: 85.1%FY 2021: 86.8%FY 2022: 75.5%FY 2023: 96.9%FY 2024: 97.2%FY 2025: 100.0%
FY 2016 5y median 96.9% FY 2025
Operating Margin 11.4%
FY 2016: 7.9%FY 2017: 8.0%FY 2018: 10.8%FY 2019: 8.5%FY 2020: 9.2%FY 2021: 10.1%FY 2022: 12.0%FY 2023: 8.3%FY 2024: 9.8%FY 2025: 11.4%
FY 2016 5y median 10.1% FY 2025
Net Margin 7.7%
FY 2016: 4.8%FY 2017: 4.7%FY 2018: 7.9%FY 2019: 5.8%FY 2020: 6.5%FY 2021: 7.5%FY 2022: 8.9%FY 2023: 5.6%FY 2024: 6.8%FY 2025: 7.7%
FY 2016 5y median 7.5% FY 2025
ROE 25.0%
FY 2016: 10.5%FY 2017: 9.1%FY 2018: 12.3%FY 2019: 11.8%FY 2020: 10.0%FY 2021: 13.7%FY 2022: 15.4%FY 2023: 17.5%FY 2024: 22.8%FY 2025: 25.0%
FY 2016 5y median 17.5% FY 2025
ROIC 1.6%
FY 2016: 2.1%FY 2017: 1.8%FY 2018: 2.3%FY 2019: 2.2%FY 2020: 1.8%FY 2021: 1.6%FY 2022: 1.8%FY 2023: 1.7%FY 2024: 1.9%FY 2025: 1.6%
FY 2016 5y median 1.7% FY 2025
ROA 1.6%
FY 2016: 0.8%FY 2017: 0.7%FY 2018: 0.9%FY 2019: 1.0%FY 2020: 0.9%FY 2021: 1.2%FY 2022: 1.0%FY 2023: 1.2%FY 2024: 1.6%FY 2025: 1.6%
FY 2016 5y median 1.2% FY 2025

Growth (YoY)

Revenue 6.8%
FY 2016: 11.2%FY 2017: -4.9%FY 2018: -26.3%FY 2019: 52.2%FY 2020: -18.0%FY 2021: 18.0%FY 2022: -35.6%FY 2023: 74.5%FY 2024: 10.2%FY 2025: 6.8%
FY 2016 FY 2025
Operating Income 24.2%
FY 2016: 59.3%FY 2017: -3.7%FY 2018: -0.3%FY 2019: 19.4%FY 2020: -11.6%FY 2021: 30.7%FY 2022: -23.7%FY 2023: 20.2%FY 2024: 31.1%FY 2025: 24.2%
FY 2016 FY 2025
EPS (diluted) 17.6%
FY 2016: 73.2%FY 2017: -6.8%FY 2018: 24.8%FY 2019: 14.5%FY 2020: -10.1%FY 2021: 35.9%FY 2022: -23.7%FY 2023: 12.2%FY 2024: 35.0%FY 2025: 17.6%
FY 2016 FY 2025
Free Cash Flow 221.2%
FY 2016: -83.3%FY 2017: 517.0%FY 2018: -30.8%FY 2019: 27.7%FY 2020: 24.6%FY 2021: -49.7%FY 2022: 73.9%FY 2023: 53.7%FY 2024: 4.4%FY 2025: 221.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.0×
FY 2016: 0.2×FY 2017: 3.7×FY 2018: 9.9×FY 2019: 25.8×FY 2020: 25.8×FY 2021: 714×FY 2022: 581×FY 2023: 0.3×FY 2024: 3.6×FY 2025: 0.0×
FY 2016 5y median 3.6× FY 2025
Quick Ratio 0.0×
FY 2016: 0.2×FY 2017: 3.7×FY 2018: 9.9×FY 2019: 25.8×FY 2020: 25.8×FY 2021: 714×FY 2022: 581×FY 2023: 0.3×FY 2024: 3.6×FY 2025: 0.0×
FY 2016 5y median 3.6× FY 2025
Debt / Equity 0.7×
FY 2016: 0.4×FY 2017: 0.3×FY 2018: 0.4×FY 2019: 0.4×FY 2020: 0.4×FY 2021: 0.4×FY 2022: 0.6×FY 2023: 0.6×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.6× FY 2025
Net Debt / EBITDA 1.0×
FY 2016: 1.7×FY 2017: 0.4×FY 2018: 0.5×FY 2019: 0.8×FY 2020: 0.8×FY 2021: 1.0×FY 2022: 1.2×FY 2023: 1.1×FY 2024: 0.8×FY 2025: 1.0×
FY 2016 5y median 1.0× FY 2025
Interest Coverage 21.8×
FY 2016: 12.6×FY 2017: 12.5×FY 2018: 12.7×FY 2019: 15.2×FY 2020: 13.5×FY 2021: 15.0×FY 2022: 12.1×FY 2023: 14.2×FY 2024: 19.2×FY 2025: 21.8×
FY 2016 5y median 15.0× FY 2025

Dividends

Dividend Yield 3.6%
FY 2016: 6.7%FY 2017: 6.3%FY 2018: 6.9%FY 2019: 4.6%FY 2020: 4.6%FY 2021: 4.4%FY 2022: 4.8%FY 2023: 5.2%FY 2024: 5.3%FY 2025: 3.6%
FY 2016 5y median 4.8% FY 2025
Payout Ratio 68.6%
FY 2016: 86.2%FY 2017: 96.2%FY 2018: 81.1%FY 2019: 69.7%FY 2020: 85.3%FY 2021: 61.6%FY 2022: 91.7%FY 2023: 89.1%FY 2024: 76.8%FY 2025: 68.6%
FY 2016 5y median 76.8% FY 2025

Annual · latest fiscal year ends 2025-12-31