(ZURN) Zurich Insurance - SW
Sector: Financial Services | Industry: Insurance - Diversified | Exchange: SW (Switzerland) | Market Cap: 86.037m CHF | Total Return: 9.1% in 12m
Avg Turnover: 142M
Rev. Trend: 77.7%
Qual. Beats: 11
Warnings
Choppy
Tailwinds
No distinct edge detected
Zurich Insurance Group AG is a multi-line insurer headquartered in Switzerland, providing property and casualty (P&C), life, and farmers insurance services across global markets. The firm operates a diversified distribution model utilizing agents, brokers, and banking partnerships to reach individual, commercial, and multinational clients.
As a global multi-line insurer, Zurich mitigates risk through geographic diversification and a wide range of product lines, including specialized climate resilience and cyber insurance services. The Farmers segment is a distinct component of its business model, where Zurich provides non-claims administrative services to the Farmers Exchanges in exchange for fee-based income.
Analyze the long-term dividend sustainability and valuation metrics for Zurich Insurance Group on ValueRay.
Founded in 1872, the company maintains a significant presence in North America and Europe, focusing on risk engineering and captive management for large corporate entities. Its portfolio spans traditional indemnity products to complex financial lines, positioning it as a primary carrier in the global commercial insurance sector.
- Commercial P&C pricing momentum sustains underwriting margins and revenue growth
- Farmers Exchanges fee income stabilizes capital-light earnings and dividend capacity
- Life insurance operating profit benefits from favorable protection and unit-linked mix
- Solvency II and SST ratios dictate capital returns and share buybacks
| Net Income: 8.22b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA 2.24 > 1.0 |
| NWC/Revenue: 10.95% < 20% (prev -22.23%; Δ 33.18% < -1%) |
| CFO/TA 0.04 > 3% & CFO 20.1b > Net Income 8.22b |
| Net Debt (13.2b) to EBITDA (11.3b): 1.17 < 3 |
| Current Ratio: 1.54 > 1.5 & < 3 |
| Outstanding Shares: last quarter (144.3m) vs 12m ago 0.05% < -2% |
| Gross Margin: error (current vs previous; cannot be calculated due to missing/invalid data or negative margin) |
| Asset Turnover: 25.39% > 50% (prev 18.81%; Δ 6.57% > 0%) |
| Interest Coverage Ratio: 18.15 > 6 (EBIT TTM 10.3b / Interest Expense TTM 569.7m) |
| A: 0.02 (Total Current Assets 32.2b - Total Current Liabilities 20.9b) / Total Assets 455b |
| B: 0.08 (Retained Earnings 35.8b / Total Assets 455b) |
| C: 0.03 (EBIT TTM 10.3b / Avg Total Assets 406b) |
| D: 0.07 (Book Value of Equity 28.5b / Total Liabilities 425b) |
| Altman-Z'' = 0.66 = B |
| DSRI: 3.0 (Receivables 25.1b/3.77b, Revenue 103b/67.4b) |
| GMI: 0.96 (GM 96.46% / 100.0%) |
| AQI: 0.94 (AQ_t 0.92 / AQ_t-1 0.98) |
| SGI: 1.53 (Revenue 103b / 67.4b) |
| TATA: -0.03 (NI 8.22b - CFO 20.1b) / TA 455b) |
| Beneish M = -1.07 (Cap -4..+1) = D |
As of June 20, 2026, the stock is trading at CHF 576.20 with a total of 951,711 shares traded.
Over the past week, the price has changed by +2.32%,
over one month by +0.00%,
over three months by +9.80% and
over the past year by +9.13%.
Zurich Insurance has no consensus analysts rating.
Market Cap USD = 108b (86.0b CHF * 1.2511 CHF.USD)
P/E Trailing = 15.3641
P/E Forward = 16.4745
P/S = 1.1772
P/B = 3.8053
P/EG = 3.3648
Revenue TTM = 103b USD
EBIT TTM = 10.3b USD
EBITDA TTM = 11.3b USD
Long Term Debt = 14.0b USD (from longTermDebt, last quarter)
Short Term Debt = 3.81b USD (from shortTermDebt, last quarter)
Debt = 20.3b USD (from shortLongTermDebtTotal, last quarter) + Leases 1.66b
Net Debt = 13.2b USD (calculated: Debt 20.3b - CCE 7.09b)
Enterprise Value = 121b USD (108b + Debt 20.3b - CCE 7.09b)
Interest Coverage Ratio = 18.15 (Ebit TTM 10.3b / Interest Expense TTM 569.7m)
EV/FCF = 6.18x (Enterprise Value 121b / FCF TTM 19.6b)
FCF Yield = 16.18% (FCF TTM 19.6b / Enterprise Value 121b)
FCF Margin = 18.95% (FCF TTM 19.6b / Revenue TTM 103b)
Net Margin = 7.97% (Net Income TTM 8.22b / Revenue TTM 103b)
Gross Margin = unknown ((Revenue TTM 103b - Cost of Revenue TTM 0.0) / Revenue TTM)
Tobins Q-Ratio = 0.27 (Enterprise Value 121b / Total Assets 455b)
Interest Expense / Debt = 2.81% (Interest Expense 569.7m / Debt 20.3b)
Taxrate = 27.75% (3.35b / 12.1b)
NOPAT = 7.47b (EBIT 10.3b * (1 - 27.75%))
Current Ratio = 1.54 (Total Current Assets 32.2b / Total Current Liabilities 20.9b)
Debt / Equity = 0.71 (Debt 20.3b / totalStockholderEquity, last quarter 28.5b)
Debt / EBITDA = 1.17 (Net Debt 13.2b / EBITDA 11.3b)
Debt / FCF = 0.68 (Net Debt 13.2b / FCF TTM 19.6b)
Total Stockholder Equity = 25.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.02% (Net Income 8.22b / Total Assets 455b)
RoE = 31.81% (Net Income TTM 8.22b / Total Stockholder Equity 25.9b)
RoCE = 25.93% (EBIT 10.3b / Capital Employed (Equity 25.9b + L.T.Debt 14.0b))
RoIC = 1.73% (NOPAT 7.47b / Invested Capital 433b)
WACC = 5.65% (E(108b)/V(128b) * Re(6.33%) + D(20.3b)/V(128b) * Rd(2.81%) * (1-Tc(0.28)))
Discount Rate = 6.33% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -76.83 | Cagr: -0.79%
[DCF] Terminal Value 77.97% ; FCFF base≈14.7b ; Y1≈16.8b ; Y5≈24.8b
[DCF] Fair Price = 2.41k (EV 373b - Net Debt 13.2b = Equity 359b / Shares 149.4m; r=8.35% [WACC [floored]]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: N/A | # QB: 0
Revenue Correlation: 77.75 | Revenue CAGR: 13.41% | SUE: 4.0 | # QB: 11
EPS current Quarter (2026-06-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-12-31): EPS=37.48 | Chg30d=+0.04% | Revisions=+11% | GrowthEPS=+2.4% | GrowthRev=+8.6%
EPS next Year (2027-12-31): EPS=42.99 | Chg30d=+0.05% | Revisions=+14% | GrowthEPS=+14.7% | GrowthRev=+9.7%
[Analyst] Revisions Ratio: +14%