ZURICH INSURANCE GROUP AG (1ZURN.MI) Stock Fundamental Analysis

Europe • Euronext Milan • BIT:1ZURN • CH0011075394

625 EUR
-35 (-5.3%)
Last: Jan 20, 2026, 07:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership
Fundamental Rating

5

Overall 1ZURN gets a fundamental rating of 5 out of 10. We evaluated 1ZURN against 43 industry peers in the Insurance industry. 1ZURN has an average financial health and profitability rating. While showing a medium growth rate, 1ZURN is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

6

1. Profitability

1.1 Basic Checks

  • 1ZURN had positive earnings in the past year.
  • In the past year 1ZURN had a positive cash flow from operations.
  • Each year in the past 5 years 1ZURN has been profitable.
  • Each year in the past 5 years 1ZURN had a positive operating cash flow.
1ZURN.MI Yearly Net Income VS EBIT VS OCF VS FCF1ZURN.MI Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.49%, 1ZURN is in line with its industry, outperforming 56.25% of the companies in the same industry.
  • The Return On Equity of 1ZURN (23.67%) is better than 85.42% of its industry peers.
  • The Return On Invested Capital of 1ZURN (1.65%) is better than 62.50% of its industry peers.
  • The Average Return On Invested Capital over the past 3 years for 1ZURN is in line with the industry average of 2.92%.
  • The 3 year average ROIC (1.52%) for 1ZURN is below the current ROIC(1.65%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 1.49%
ROE 23.67%
ROIC 1.65%
ROA(3y)1.34%
ROA(5y)1.22%
ROE(3y)18.59%
ROE(5y)15.9%
ROIC(3y)1.52%
ROIC(5y)1.39%
1ZURN.MI Yearly ROA, ROE, ROIC1ZURN.MI Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15 20

1.3 Margins

  • 1ZURN has a Profit Margin (8.36%) which is in line with its industry peers.
  • In the last couple of years the Profit Margin of 1ZURN has grown nicely.
  • The Operating Margin of 1ZURN (12.64%) is comparable to the rest of the industry.
  • In the last couple of years the Operating Margin of 1ZURN has grown nicely.
Industry RankSector Rank
OM 12.64%
PM (TTM) 8.36%
GM N/A
OM growth 3Y-1.28%
OM growth 5Y3.19%
PM growth 3Y-0.12%
PM growth 5Y5.35%
GM growth 3YN/A
GM growth 5YN/A
1ZURN.MI Yearly Profit, Operating, Gross Margins1ZURN.MI Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2 4 6 8 10

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ROAROEROICOperating and Profit MarginShow most profitable peers

4

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so 1ZURN is destroying value.
  • The number of shares outstanding for 1ZURN has been reduced compared to 1 year ago.
  • Compared to 5 years ago, 1ZURN has less shares outstanding
  • Compared to 1 year ago, 1ZURN has an improved debt to assets ratio.
1ZURN.MI Yearly Shares Outstanding1ZURN.MI Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M
1ZURN.MI Yearly Total Debt VS Total Assets1ZURN.MI Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 100B 200B 300B 400B

2.2 Solvency

  • 1ZURN has a debt to FCF ratio of 2.26. This is a good value and a sign of high solvency as 1ZURN would need 2.26 years to pay back of all of its debts.
  • 1ZURN has a Debt to FCF ratio (2.26) which is comparable to the rest of the industry.
  • 1ZURN has a Debt/Equity ratio of 0.59. This is a neutral value indicating 1ZURN is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.59, 1ZURN is in the better half of the industry, outperforming 60.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 2.26
Altman-Z N/A
ROIC/WACC0.36
WACC4.61%
1ZURN.MI Yearly LT Debt VS Equity VS FCF1ZURN.MI Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 10B 20B 30B

2.3 Liquidity

  • A Current Ratio of 0.78 indicates that 1ZURN may have some problems paying its short term obligations.
  • 1ZURN has a better Current ratio (0.78) than 81.25% of its industry peers.
  • 1ZURN has a Quick Ratio of 0.78. This is a bad value and indicates that 1ZURN is not financially healthy enough and could expect problems in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 0.78, 1ZURN belongs to the top of the industry, outperforming 81.25% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.78
Quick Ratio 0.78
1ZURN.MI Yearly Current Assets VS Current Liabilites1ZURN.MI Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • 1ZURN shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 21.13%, which is quite impressive.
  • The Earnings Per Share has been growing slightly by 7.72% on average over the past years.
  • Looking at the last year, 1ZURN shows a decrease in Revenue. The Revenue has decreased by -1.11% in the last year.
  • The Revenue has been growing slightly by 1.56% on average over the past years.
EPS 1Y (TTM)21.13%
EPS 3Y5.02%
EPS 5Y7.72%
EPS Q2Q%2.5%
Revenue 1Y (TTM)-1.11%
Revenue growth 3Y3.9%
Revenue growth 5Y1.56%
Sales Q2Q%-10.39%

3.2 Future

  • 1ZURN is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.32% yearly.
  • 1ZURN is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.82% yearly.
EPS Next Y18.64%
EPS Next 2Y12.51%
EPS Next 3Y11.58%
EPS Next 5Y7.32%
Revenue Next Year5.76%
Revenue Next 2Y6.62%
Revenue Next 3Y4.92%
Revenue Next 5Y3.82%

3.3 Evolution

  • The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
1ZURN.MI Yearly Revenue VS Estimates1ZURN.MI Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20B 40B 60B
1ZURN.MI Yearly EPS VS Estimates1ZURN.MI Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 20 40 60

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 18.32 indicates a rather expensive valuation of 1ZURN.
  • Compared to the rest of the industry, the Price/Earnings ratio of 1ZURN indicates a slightly more expensive valuation: 1ZURN is more expensive than 70.83% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.93. 1ZURN is valued slightly cheaper when compared to this.
  • A Price/Forward Earnings ratio of 15.29 indicates a correct valuation of 1ZURN.
  • 1ZURN's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. 1ZURN is more expensive than 72.92% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.77. 1ZURN is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 18.32
Fwd PE 15.29
1ZURN.MI Price Earnings VS Forward Price Earnings1ZURN.MI Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Enterprise Value to EBITDA ratio, 1ZURN is valued a bit cheaper than 60.42% of the companies in the same industry.
  • 64.58% of the companies in the same industry are cheaper than 1ZURN, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.98
EV/EBITDA 12.02
1ZURN.MI Per share data1ZURN.MI EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 100 200 300 400

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • 1ZURN has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)0.98
PEG (5Y)2.37
EPS Next 2Y12.51%
EPS Next 3Y11.58%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

6

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 4.67%, 1ZURN is a good candidate for dividend investing.
  • Compared to an average industry Dividend Yield of 4.23, 1ZURN pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.81, 1ZURN pays a better dividend.
Industry RankSector Rank
Dividend Yield 4.67%

5.2 History

  • On average, the dividend of 1ZURN grows each year by 8.76%, which is quite nice.
Dividend Growth(5Y)8.76%
Div Incr YearsN/A
Div Non Decr YearsN/A

5.3 Sustainability

  • 79.70% of the earnings are spent on dividend by 1ZURN. This is not a sustainable payout ratio.
  • The dividend of 1ZURN is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP79.7%
EPS Next 2Y12.51%
EPS Next 3Y11.58%
1ZURN.MI Yearly Income VS Free CF VS Dividend1ZURN.MI Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B
1ZURN.MI Dividend Payout.1ZURN.MI Dividend Payout, showing the Payout Ratio.1ZURN.MI Dividend Payout.PayoutRetained Earnings

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ZURICH INSURANCE GROUP AG

BIT:1ZURN (1/20/2026, 7:00:00 PM)

625

-35 (-5.3%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)08-07
Earnings (Next)02-19
Inst Owners42.62%
Inst Owner ChangeN/A
Ins Owners0.17%
Ins Owner ChangeN/A
Market Cap91.47B
Revenue(TTM)70.01B
Net Income(TTM)5.85B
Analysts46.67
Price Target612.61 (-1.98%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield 4.67%
Yearly Dividend24.36
Dividend Growth(5Y)8.76%
DP79.7%
Div Incr YearsN/A
Div Non Decr YearsN/A
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)2.63%
PT rev (3m)2.63%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)0.31%
EPS NY rev (3m)0.31%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)-0.06%
Revenue NY rev (3m)-0.06%
Valuation
Industry RankSector Rank
PE 18.32
Fwd PE 15.29
P/S 1.56
P/FCF 16.98
P/OCF 15.96
P/B 4.41
P/tB 8.87
EV/EBITDA 12.02
EPS(TTM)34.12
EY5.46%
EPS(NY)40.87
Fwd EY6.54%
FCF(TTM)36.8
FCFY5.89%
OCF(TTM)39.16
OCFY6.27%
SpS401.34
BVpS141.73
TBVpS70.45
PEG (NY)0.98
PEG (5Y)2.37
Graham Number329.86
Profitability
Industry RankSector Rank
ROA 1.49%
ROE 23.67%
ROCE 2.26%
ROIC 1.65%
ROICexc 1.68%
ROICexgc 3.73%
OM 12.64%
PM (TTM) 8.36%
GM N/A
FCFM 9.17%
ROA(3y)1.34%
ROA(5y)1.22%
ROE(3y)18.59%
ROE(5y)15.9%
ROIC(3y)1.52%
ROIC(5y)1.39%
ROICexc(3y)1.55%
ROICexc(5y)1.42%
ROICexgc(3y)3.17%
ROICexgc(5y)2.77%
ROCE(3y)2.07%
ROCE(5y)1.9%
ROICexgc growth 3Y16.1%
ROICexgc growth 5Y11.69%
ROICexc growth 3Y9.12%
ROICexc growth 5Y7.13%
OM growth 3Y-1.28%
OM growth 5Y3.19%
PM growth 3Y-0.12%
PM growth 5Y5.35%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.18
Health
Industry RankSector Rank
Debt/Equity 0.59
Debt/FCF 2.26
Debt/EBITDA 1.5
Cap/Depr 48.82%
Cap/Sales 0.59%
Interest Coverage 17.25
Cash Conversion 70.48%
Profit Quality 109.69%
Current Ratio 0.78
Quick Ratio 0.78
Altman-Z N/A
F-Score7
WACC4.61%
ROIC/WACC0.36
Cap/Depr(3y)53.48%
Cap/Depr(5y)57.78%
Cap/Sales(3y)0.73%
Cap/Sales(5y)0.82%
Profit Quality(3y)132.45%
Profit Quality(5y)116.3%
High Growth Momentum
Growth
EPS 1Y (TTM)21.13%
EPS 3Y5.02%
EPS 5Y7.72%
EPS Q2Q%2.5%
EPS Next Y18.64%
EPS Next 2Y12.51%
EPS Next 3Y11.58%
EPS Next 5Y7.32%
Revenue 1Y (TTM)-1.11%
Revenue growth 3Y3.9%
Revenue growth 5Y1.56%
Sales Q2Q%-10.39%
Revenue Next Year5.76%
Revenue Next 2Y6.62%
Revenue Next 3Y4.92%
Revenue Next 5Y3.82%
EBIT growth 1Y12.88%
EBIT growth 3Y2.57%
EBIT growth 5Y4.8%
EBIT Next Year16.3%
EBIT Next 3Y9.28%
EBIT Next 5YN/A
FCF growth 1Y7.66%
FCF growth 3Y40.79%
FCF growth 5Y11.85%
OCF growth 1Y6.4%
OCF growth 3Y33.89%
OCF growth 5Y9.26%

ZURICH INSURANCE GROUP AG / 1ZURN.MI FAQ

What is the ChartMill fundamental rating of ZURICH INSURANCE GROUP AG (1ZURN.MI) stock?

ChartMill assigns a fundamental rating of 5 / 10 to 1ZURN.MI.


Can you provide the valuation status for ZURICH INSURANCE GROUP AG?

ChartMill assigns a valuation rating of 3 / 10 to ZURICH INSURANCE GROUP AG (1ZURN.MI). This can be considered as Overvalued.


What is the profitability of 1ZURN stock?

ZURICH INSURANCE GROUP AG (1ZURN.MI) has a profitability rating of 6 / 10.


Can you provide the PE and PB ratios for 1ZURN stock?

The Price/Earnings (PE) ratio for ZURICH INSURANCE GROUP AG (1ZURN.MI) is 18.32 and the Price/Book (PB) ratio is 4.41.


Is the dividend of ZURICH INSURANCE GROUP AG sustainable?

The dividend rating of ZURICH INSURANCE GROUP AG (1ZURN.MI) is 6 / 10 and the dividend payout ratio is 79.7%.