ZURN Stock Analysis: Zurich Insurance | SW
Insurance - Diversified | SW, Switzerland | Market Cap: 85.499m CHF | 12M Return: 4.3% | CH0011075394 | Charts, Fundamentals & Technical Analysis
Avg Turnover: 167M
Rev. Trend: 83.7%
Qual. Beats: 1
Warnings
No concerns identified
Tailwinds
No distinct edge detected
Seasonality 11.7 years of data
How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.
Zurich Insurance Group AG is a global insurer headquartered in Zurich, Switzerland, operating across Europe, the Middle East, Africa, North America, Latin America, and Asia Pacific. Founded in 1872, the company runs three main segments-Property & Casualty Regions, Life Regions, and Farmers-offering a broad portfolio that includes motor, home, travel, life, liability, marine, energy, cyber, and credit and surety insurance, as well as savings, investment, and pension products.
The group serves a wide customer base spanning individuals, small businesses, mid-sized firms, and multinational corporations, distributing its products through agents, brokers, and bank channels. In addition to underwriting, it provides specialized services such as risk engineering, climate and cyber resilience consulting, captive insurance, and reinsurance. As a multi-line insurer, Zurich combines both P&C and life operations under one roof, and its Farmers segment is distinctive in that it delivers management and administrative services to the Farmers Exchanges rather than retaining the insurance risk directly.
- Farmers Exchanges management fees drive stable capital-light earnings
- Commercial P&C pricing strengthens on hard market discipline
- Life savings margins pressured by elevated interest rate volatility
| Net Income: 10.8b TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.08 > 0.02 and ΔFCF/TA 5.95 > 1.0 |
| NWC/Revenue: 8.49% < 20% (prev 17.26%; Δ -8.77% < -1%) |
| CFO/TA 0.08 > 3% & CFO 32.7b > Net Income 10.8b |
| Net Debt (10.3b) to EBITDA (48.0b): 0.22 < 3 |
| Current Ratio: 1.57 > 1.5 & < 3 |
| Outstanding Shares: last quarter (148.3m) vs 12m ago 3.28% < -2% |
| Gross Margin: 80.70% > 18% (prev 96.58%; Δ -15.88% > 0.5%) |
| Asset Turnover: 34.66% > 50% (prev 17.76%; Δ 16.90% > 0%) |
| Interest Coverage Ratio: 97.82 > 6 (EBIT TTM 47.1b / Interest Expense TTM 481.9m) |
| A: 0.03 (Total Current Assets 32.9b - Total Current Liabilities 20.9b) / Total Assets 421b |
| B: 0.08 (Retained Earnings 34.3b / Total Assets 421b) |
| C: 0.12 (EBIT TTM 47.1b / Avg Total Assets 407b) |
| D: 0.08 (Book Value of Equity 31.4b / Total Liabilities 388b) |
| Altman-Z'' = 1.31 = BB |
| DSRI: 0.54 (Receivables 26.2b/24.0b, Revenue 141b/69.7b) |
| GMI: 1.20 (GM 96.58% / 80.70%) |
| AQI: 1.00 (AQ_t 0.92 / AQ_t-1 0.92) |
| SGI: 2.02 (Revenue 141b / 69.7b) |
| TATA: -0.05 (NI 10.8b - CFO 32.7b) / TA 421b) |
| Beneish M = -2.50 (Cap -4..+1) = BBB |
As of October 09, 2026, the stock is trading at CHF 572.80 with a total of 206,589 shares traded. Over the past week, the price has changed by +1.63%, over one month by -3.05%, over three months by -6.22% and over the past year by +4.28%.
Current recommended Stop Loss: 561.10 (which is 2% or 1.5 ATR below the current price).
Zurich Insurance has no consensus analysts rating.
Market Cap USD = 103b (85.5b CHF * 1.2005 CHF.USD)
P/E Trailing = 13.8696
P/E Forward = 14.9477
P/S = 1.1108
P/B = 3.3909
P/EG = 9.9655
Revenue TTM = 141b USD
EBIT TTM = 47.1b USD
EBITDA TTM = 48.0b USD
Long Term Debt = 14.1b USD (from longTermDebt, last quarter)
Short Term Debt = 1.28b USD (from shortTermDebt, last quarter)
Debt = 17.1b USD (from shortLongTermDebtTotal, last quarter) + Leases 1.66b
Net Debt = 10.3b USD (calculated: Debt 17.1b - CCE 6.73b)
Enterprise Value = 113b USD (103b + Debt 17.1b - CCE 6.73b)
Interest Coverage Ratio = 97.82 (Ebit TTM 47.1b / Interest Expense TTM 481.9m)
EV/FCF = 3.53x (Enterprise Value 113b / FCF TTM 32.0b)
FCF Yield = 28.29% (FCF TTM 32.0b / Enterprise Value 113b)
FCF Margin = 22.66% (FCF TTM 32.0b / Revenue TTM 141b)
Net Margin = 7.65% (Net Income TTM 10.8b / Revenue TTM 141b)
Gross Margin = 80.70% ((Revenue TTM 141b - Cost of Revenue TTM 27.2b) / Revenue TTM)
Gross Margin QoQ = 47.05% (prev none%)
Tobins Q-Ratio = 0.27 (Enterprise Value 113b / Total Assets 421b)
Interest Expense / Debt = 2.82% (Interest Expense 481.9m / Debt 17.1b)
Taxrate = 28.94% (4.65b / 16.1b)
NOPAT = 33.5b (EBIT 47.1b * (1 - 28.94%))
Current Ratio = 1.57 (Total Current Assets 32.9b / Total Current Liabilities 20.9b)
Debt / Equity = 0.54 (Debt 17.1b / totalStockholderEquity, last quarter 31.4b)
Debt / EBITDA = 0.22 (Net Debt 10.3b / EBITDA 48.0b)
Debt / FCF = 0.32 (Net Debt 10.3b / FCF TTM 32.0b)
Total Stockholder Equity = 29.9b (last 4 quarters mean from totalStockholderEquity)
RoA = 2.65% (Net Income 10.8b / Total Assets 421b)
RoE = 36.04% (Net Income TTM 10.8b / Total Stockholder Equity 29.9b)
RoCE = 107.1% (EBIT 47.1b / Capital Employed (Equity 29.9b + L.T.Debt 14.1b))
RoIC = 8.48% (NOPAT 33.5b / Invested Capital 395b)
WACC = 5.17% (E(103b)/V(120b) * Re(5.69%) + D(17.1b)/V(120b) * Rd(2.82%) * (1-Tc(0.29)))
Discount Rate = 5.69% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: 50.94 | Cagr: 0.91%
[DCF] Terminal Value 77.97% ; FCFF base≈21.7b ; Y1≈24.9b ; Y5≈36.7b
[DCF] Fair Price = 3.63k (EV 552b - Net Debt 10.3b = Equity 542b / 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: 83.73 | Revenue CAGR: 27.61% | SUE: 4.0 | # QB: 1
EPS current Quarter (2026-06-30): EPS=0.00 | Chg30d=N/A | Revisions=N/A | Analysts=0
EPS current Year (2026-12-31): EPS=37.51 | Chg30d=+1.30% | Revisions=+17% | GrowthEPS=+2.5% | GrowthRev=+12.9%
EPS next Year (2027-12-31): EPS=42.57 | Chg30d=+0.01% | Revisions=+29% | GrowthEPS=+13.5% | GrowthRev=+8.5%
[Analyst] Revisions Ratio: +30% (up=5, down=2)