(ZURN) Zurich Insurance - Ratings and Ratios
Insurance, Life, Property, Casualty, Investment, Pension
ZURN EPS (Earnings per Share)
ZURN Revenue
Description: ZURN Zurich Insurance
Zurich Insurance Group AG is a global insurance provider operating across multiple regions, offering a diverse range of insurance products and related services to individuals, small businesses, and large corporations. The companys business segments include Property & Casualty Regions, Life Regions, Farmers, Group Functions and Operations, and Non-Core Businesses, allowing it to cater to various customer needs.
The companys product portfolio includes car and motor, home, travel, general liability, life and critical illness, and other insurance products, as well as saving and investment, and pension and retirement planning products. Additionally, Zurich Insurance Group AG provides specialized insurance products, such as property, casualty, energy and engineering lines, and marine, as well as cyber, accident and health, and credit lines and surety insurance products. Its services also include climate resilience, risk engineering, captive, and cyber resilience, as well as climate risk assessment and reinsurance services.
From a financial perspective, Zurich Insurance Group AG has a market capitalization of approximately CHF 78.7 billion, with a price-to-earnings ratio of 17.42 and a forward price-to-earnings ratio of 16.75. The companys return on equity (RoE) stands at 19.82%, indicating a relatively strong profitability. Other key performance indicators (KPIs) worth noting include the companys combined ratio, which is a measure of its underwriting profitability, and its solvency ratio, which indicates its ability to meet its long-term financial obligations.
Some additional KPIs that could be relevant for evaluating Zurich Insurance Group AGs performance include its gross written premium (GWP) growth rate, its net investment income, and its operating return on equity. The companys ability to maintain a strong capital position, as measured by its Swiss Solvency Test (SST) ratio, is also important. Furthermore, Zurich Insurance Group AGs dividend yield and payout ratio could be of interest to income-seeking investors.
ZURN Stock Overview
| Market Cap in USD | 104,354m |
| Sub-Industry | Multi-line Insurance |
| IPO / Inception |
ZURN Stock Ratings
| Growth Rating | 89.5% |
| Fundamental | 80.1% |
| Dividend Rating | 76.5% |
| Return 12m vs S&P 500 | 4.83% |
| Analyst Rating | - |
ZURN Dividends
| Dividend Yield 12m | 4.99% |
| Yield on Cost 5y | 10.90% |
| Annual Growth 5y | 5.39% |
| Payout Consistency | 92.1% |
| Payout Ratio | 68.9% |
ZURN Growth Ratios
| Growth Correlation 3m | 38.1% |
| Growth Correlation 12m | 84.5% |
| Growth Correlation 5y | 97.3% |
| CAGR 5y | 17.71% |
| CAGR/Max DD 5y | 1.16 |
| Sharpe Ratio 12m | 1.30 |
| Alpha | 14.45 |
| Beta | 0.475 |
| Volatility | 17.54% |
| Current Volume | 198.1k |
| Average Volume 20d | 193.3k |
| Stop Loss | 562.2 (-3%) |
| Signal | -0.73 |
Piotroski VR‑10 (Strict, 0-10) 3.5
| Net Income (5.81b TTM) > 0 and > 6% of Revenue (6% = 4.12b TTM) |
| FCFTA 0.02 (>2.0%) and ΔFCFTA 0.10pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| error: NWC/Revenue cannot be calculated (needs Current Assets/Liabilities and Revenue current+prev) |
| CFO/TA 0.02 (>3.0%) and CFO 7.60b > Net Income 5.81b (YES >=105%, WARN >=100%) |
| Net Debt (7.66b) to EBITDA (31.52b) ratio: 0.24 <= 3.0 (WARN <= 3.5) |
| error: Current Ratio cannot be calculated (needs Total Current Assets and Liabilities) |
| Outstanding Shares last Quarter (144.3m) change vs 12m ago -1.04% (target <= -2.0% for YES) |
| Gross Margin -0.82% (prev 96.01%; Δ -96.83pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 19.10% (prev 20.67%; Δ -1.56pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 71.85 (EBITDA TTM 31.52b / Interest Expense TTM 440.0m) >= 6 (WARN >= 3) |
ValueRay F-Score (Strict, 0-100) 80.10
| 1. Piotroski 3.50pt = -1.50 |
| 2. FCF Yield 6.54% = 3.27 |
| 3. FCF Margin 10.53% = 2.63 |
| 4. Debt/Equity 0.51 = 2.37 |
| 5. Debt/Ebitda 0.42 = 2.37 |
| 6. ROIC - WACC 53.84% = 12.50 |
| 7. RoE 23.45% = 1.95 |
| 8. Rev. Trend 60.54% = 3.03 |
| 9. Rev. CAGR 8.69% = 1.09 |
| 10. EPS Trend -4.20% = -0.10 |
| 11. EPS CAGR 64.69% = 2.50 |
What is the price of ZURN shares?
Over the past week, the price has changed by -2.78%, over one month by +4.85%, over three months by +0.52% and over the past year by +23.37%.
Is Zurich Insurance a good stock to buy?
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of ZURN is around 647.62 CHF . This means that ZURN is currently undervalued and has a potential upside of +11.74% (Margin of Safety).
Is ZURN a buy, sell or hold?
What are the forecasts/targets for the ZURN price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 540.6 | -6.7% |
| Analysts Target Price | - | - |
| ValueRay Target Price | 713.6 | 23.1% |
ZURN Fundamental Data Overview
Market Cap USD = 104.35b (83.66b CHF * 1.2473 CHF.USD)
CCE Cash And Equivalents = 6.77b USD (last quarter)
P/E Trailing = 17.9597
P/E Forward = 17.5131
P/S = 1.2002
P/B = 4.1927
P/EG = 2.5008
Beta = 0.571
Revenue TTM = 68.72b USD
EBIT TTM = 31.61b USD
EBITDA TTM = 31.52b USD
Long Term Debt = 12.72b USD (from longTermDebt, last quarter)
Short Term Debt = 364.0m USD (from shortTermDebt, last quarter)
Debt = 13.09b USD (Calculated: Short Term 364.0m + Long Term 12.72b)
Net Debt = 7.66b USD (from netDebt column, last quarter)
Enterprise Value = 110.67b USD (104.35b + Debt 13.09b - CCE 6.77b)
Interest Coverage Ratio = 71.85 (Ebit TTM 31.61b / Interest Expense TTM 440.0m)
FCF Yield = 6.54% (FCF TTM 7.23b / Enterprise Value 110.67b)
FCF Margin = 10.53% (FCF TTM 7.23b / Revenue TTM 68.72b)
Net Margin = 8.46% (Net Income TTM 5.81b / Revenue TTM 68.72b)
Gross Margin = -0.82% ((Revenue TTM 68.72b - Cost of Revenue TTM 69.28b) / Revenue TTM)
Tobins Q-Ratio = 3.27 (Enterprise Value 110.67b / Book Value Of Equity 33.83b)
Interest Expense / Debt = 3.36% (Interest Expense 440.0m / Debt 13.09b)
Taxrate = 26.71% (from yearly Income Tax Expense: 2.26b / 8.46b)
NOPAT = 23.17b (EBIT 31.61b * (1 - 26.71%))
Current Ratio = unknown (Total Current Assets 3.77b / Total Current Liabilities none)
Debt / Equity = 0.51 (Debt 13.09b / last Quarter total Stockholder Equity 25.47b)
Debt / EBITDA = 0.42 (Net Debt 7.66b / EBITDA 31.52b)
Debt / FCF = 1.81 (Debt 13.09b / FCF TTM 7.23b)
Total Stockholder Equity = 24.80b (last 4 quarters mean)
RoA = 1.62% (Net Income 5.81b, Total Assets 358.00b )
RoE = 23.45% (Net Income TTM 5.81b / Total Stockholder Equity 24.80b)
RoCE = 84.26% (Ebit 31.61b / (Equity 24.80b + L.T.Debt 12.72b))
RoIC = 61.02% (NOPAT 23.17b / Invested Capital 37.97b)
WACC = 7.18% (E(104.35b)/V(117.44b) * Re(7.77%)) + (D(13.09b)/V(117.44b) * Rd(3.36%) * (1-Tc(0.27)))
Shares Correlation 5-Years: -100.0 | Cagr: -1.04%
Discount Rate = 7.77% (= CAPM, Blume Beta Adj.) -> floored to rf + ERP 8.05%
[DCF Debug] Terminal Value 81.43% ; FCFE base≈7.11b ; Y1≈8.77b ; Y5≈14.97b
Fair Price DCF = 1789 (DCF Value 254.55b / Shares Outstanding 142.3m; 5y FCF grow 25.0% → 3.0% )
Revenue Correlation: 60.54 | Revenue CAGR: 8.69%
Rev Growth-of-Growth: -23.11
EPS Correlation: -4.20 | EPS CAGR: 64.69%
EPS Growth-of-Growth: -30.10